Kershaw County property record for 12 Cumberland Ct, Elgin, SC 29045
| Property Type | Single Family Home |
|---|---|
| Details | 3,873 sqft · built 2019 |
| Lot Size | 1.4 acres (60,984 sqft) |
| Owner | Individual Name on File |
| Deeds & Mortgages | Sep 2023 Mortgage Sep 2020 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 348-04-00-047-SGA |
| Primary APN | 348-04-00-047-SGA |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 3,873 sqft Gross Area |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Brick |
| Lot Area | 60,984 sqft (1.4 acres) |
| Account Number | 38770 |
|---|---|
| Street Address | 12 CUMBERLAND CT |
| City | ELGIN |
| State | SC |
| Zip | 29045-9499 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R15 |
| Legal Description | STRATFORD PLANTATION SUBDIV LOT 47 |
| Legal Subdivision | STRATFORD PLANTATION SUBDIV |
| Legal Lot Number | 47 |
| Jurisdiction | KERSHAW SC |
| Township / Civil Division | ELGIN |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 970908 |
12 Cumberland Ct is owned and occupied by an individual who acquired it in September 2023.
Source: Kershaw County records, as of November 7, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 12 CUMBERLAND CT, ELGIN, SC 29045-9499 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 20, 2023 | Intrafamily Transfer, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Sep 21, 2020 | Deed of Trust, Mortgage VETERANS UNITED HM LNS |
| Mar 19, 2019 | Deed of Trust, Mortgage · VA Mortgage MVB MTG |
| Aug 8, 2018 | Deed of Trust, Construction Loan · Construction Mortgage MVB MTG |
| Feb 1, 2018 | Grant Deed, Transfer NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 20, 2023 |
| Deed Sale | Sep 20, 2023 |
| Prior Sale | Aug 8, 2018 · Amount on File |
| Deed Document Number | 20238111 |
| Deed Book / Page | 5017 / 137 |
| Prior Transfer Date | Sep 11, 2023 |
| Prior Transfer Doc | 0020238111 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KERSHAW SC |
| Recording Date | Sep 20, 2023 |
| Property Address | 12 CUMBERLAND CT, ELGIN, SC 29045-9499 |
| Document Number | 0020238111 |
| Book / Page | 5017 / 137 |
| Map Reference | MB 3831 PG 71 |
| Instrument Date | Sep 11, 2023 |
| Instrument | 2023-8111 |
| Transaction Type | Transfer |
| Record Updated | Oct 12, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12 CUMBERLAND CT, ELGIN, SC 29045-9499 |
| Name | Verified Name |
|---|---|
| Address | 12 CUMBERLAND CT, ELGIN, SC 29045-9499 |
| Document Number | 0020238112 |
|---|---|
| Date | Sep 20, 2023 |
| Instrument | 2023-8112 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KERSHAW SC |
| Property Address | 12 CUMBERLAND CT, ELGIN, SC 29045-9499 |
| Document Number | 0000008973 |
| Instrument Date | Sep 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2020 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY TITLE |
| Name | Verified Name |
|---|---|
| Address | 12 CUMBERLAND CT ELGIN SC 290459499, ELGIN, SC 29045-9499 |
| Document Number | 0000008973 |
|---|---|
| Date | Sep 29, 2020 |
| Book Page | 004311/000252 |
| Instrument | 8973 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | 1400 VETERANS UNITED DR, COLUMBIA, MO 65203-3001 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Sep 28, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KERSHAW SC |
| Property Address | 12 CUMBERLAND CT, ELGIN, SC 29045-9499 |
| Document Number | 0000002243 |
| Instrument Date | Mar 19, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 22, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 12 CUMBERLAND CT ELGIN SC 29045, ELGIN, SC 29045 |
| Document Number | 0000002243 |
|---|---|
| Date | Mar 26, 2019 |
| Book Page | 004003/000183 |
| Instrument | 2243 |
| Name | MVB MTG |
|---|---|
| Type | Mortgage Company |
| Address | FAIRFAX, VA 22030 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 25, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KERSHAW SC |
| Recording Date | Aug 8, 2018 |
| Property Address | 12 CUMBERLAND CT, ELGIN, SC 29045-9499 |
| Document Number | 0000006147 |
| Book / Page | 003900 / 000045 |
| Instrument Date | Jul 11, 2018 |
| Instrument | 6147 |
| Transaction Type | Construction Loan |
| Record Updated | Apr 22, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 12 CUMBERLAND CT ELGIN SC 29045, ELGIN, SC 29045 |
| Document Number | 0000006147 |
|---|---|
| Date | Aug 8, 2018 |
| Book Page | 003900/000045 |
| Instrument | 6147 |
| Name | MVB MTG |
|---|---|
| Type | Mortgage Company |
| Address | FAIRFAX, VA 22030 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Aug 7, 2019 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KERSHAW SC |
| Recording Date | Feb 1, 2018 |
| Property Address | 12 CUMBERLAND CT, ELGIN, SC 29045-9499 |
| Document Number | 0000000812 |
| Book / Page | 003812 / 000150 |
| Instrument Date | Feb 1, 2018 |
| Instrument | 812 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Tax | $185.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1129 WHITE POND RD ELGIN SC 290459429, ELGIN, SC 29045-9429 |
Source: Kershaw County assessment roll, as of November 7, 2025
| Type | Name |
|---|---|
| State | South Carolina |
| County | Kershaw County |
| Unified School District | Kershaw County School District (PK - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2025 | $350,200 Land $50,000 Building $300,200 | $350,200 |
| 2023 | $350,200 (-) Land $50,000 Building $300,200 | $350,200 (-) |
| 2022 | $350,200 Land $50,000 Building $300,200 | $350,200 Land $50,000 Building $300,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12 Cumberland Ct in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 28, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 3 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 12 Cumberland Ct is moderate, ranking above 40% of the US, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · lower than 78% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 68 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures