Richland County property record for 1208 Independence Dr, Elgin, SC 29045
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,450 sqft · built 2021 |
| Lot Size | 0.12 acres (5,227 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $305,000 (Sep 2023) |
| Tax Bill | $2,681 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Sep 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 28803-12-03 |
| Primary APN | 28803-12-03 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,450 sqft Heated Area |
| Gross Area | 3,040 sqft |
| 1st Floor Area | 1,050 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,227 sqft (0.12 acres) |
| Garage Area | 420 sqft |
| Porch | Slab |
| Porch Area | 120 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 02177940 |
|---|---|
| Street Address | 1208 INDEPENDENCE DR |
| City | ELGIN |
| State | SC |
| Zip | 29045-7915 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD |
| Legal Description | LOT 67 45X120X45X120 #SU PARK @ LIBERTY RIDGE PH 3 #PR RB2478-3403 |
| Legal Subdivision | LIBERTY RIDGE |
| Legal Phase | 3 |
| Legal Lot Number | 45,67 |
| Jurisdiction | RICHLAND SC |
| Township / Civil Division | PONTIAC |
| Census Block Group | 2 |
| Census Block | 2079 |
| Census Tract | 11407 |
Source: Richland County records, as of July 14, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1208 INDEPENDENCE DR, ELGIN, SC 29045-7915 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
| Date | Document |
|---|---|
| Feb 17, 2026 | Deed of Trust, Mortgage · VA Mortgage ZOOM HOME LENDING LLC |
| Sep 6, 2023 | Warranty Deed, Transfer · VA Mortgage AMERICAN FINANCIAL NETWORK INC |
| Jul 27, 2021 | Deed, Subdivision Related Transfer · VA Mortgage VANDERBILT MORTGAGE & FINANCE INC |
| Feb 13, 2021 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 6, 2023 · Amount on Record |
| Deed Sale | Sep 6, 2023 · Amount on Record |
| Prior Sale | Jul 27, 2021 · Amount on Record |
| Deed Document Number | 202338620 |
| Deed Book / Page | 2863 / 2876 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Property Address | 1208 INDEPENDENCE DR, ELGIN, SC 29045-7915 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2026 |
| Title Company | SUMMIT SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 1208 INDEPENDENCE DR, ELGIN, SC 29045-7915 |
| Document Number | 0030993209 |
|---|---|
| Date | Feb 17, 2026 |
| Book Page | 3099/3209 |
| Instrument | 2026007223 |
| Name | ZOOM HOME LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | LIVONIA, MI 48152 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Sep 6, 2023 |
| Property Address | 1208 INDEPENDENCE DR, ELGIN, SC 29045-7915 |
| Document Number | 0028632876 |
| Book / Page | 2863 / 2876 |
| Map Reference | MB 2478 PG 3403 |
| Instrument Date | Sep 1, 2023 |
| Instrument | 2023038620 |
| Transaction Type | Transfer |
| Record Updated | Apr 11, 2024 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $793.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1208 INDEPENDENCE DR, ELGIN, SC 29045-7915 |
| Document Number | 2023038621 |
|---|---|
| Date | Sep 6, 2023 |
| Instrument | 2023038621 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|---|
| Type | Funding / Finance Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2053 |
| Document Type | Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Jul 27, 2021 |
| Property Address | 1208 INDEPENDENCE DR, ELGIN, SC 29045-7915 |
| Document Number | 0026472716 |
| Book / Page | 2647 / 2716 |
| Map Reference | MB 2478 PG 3403 |
| Instrument Date | Jul 27, 2021 |
| Instrument | 2021049941 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Apr 11, 2024 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $925.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1208 INDEPENDENCE DR, ELGIN, SC 29045-7915 |
| Document Number | 2021049942 |
|---|---|
| Date | Jul 27, 2021 |
| Instrument | 2021049942 |
| Name | VANDERBILT MORTGAGE & FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Feb 13, 2021 |
| Property Address | 1208 INDEPENDENCE DR, ELGIN, SC 29045-7915 |
| Document Number | 0025861592 |
| Book / Page | 2586 / 1592 |
| Map Reference | MB 2478 PG 3402 |
| Instrument Date | Feb 10, 2021 |
| Instrument | 2021009514 |
| Transaction Type | Transfer |
| Record Updated | Apr 11, 2024 |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,174.75 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 441 WESTERN LN, IRMO, SC 29063-9071 |
| Investor | Possibly a Property Investor |
Source: Richland County assessment roll, as of July 14, 2026
| Type | Name |
|---|---|
| State | South Carolina |
| County | Richland County |
| Municipality | Columbia City |
| Unified School District | Richland School District 2 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,681.00 (-69.35%) | $9,992 (-) | $305,000 (+22.1%) Land $50,400 Building $254,600 |
| 2023 | $8,747.00 (+722.86%) | $9,992 (+455.11%) | $249,800 (+732.67%) |
| 2021 | $1,063.00 | $1,800 | $30,000 Land $30,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective September 13, 2026 · 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 |
| Flood Insurance Cost | Premium on Record median of 31 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 31 in force |
| Nearby Flood Claims | 1 (2015) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Oct 2015 · Severe Storms And Flooding |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · lower than 89% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF COLUMBIA serves 354,068 people · EPA ID SC4010001 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2025 |
| Lead | 5 ppb (2021–2023) action level 15 ppb |
| Water Quality | Chlorite resolved · Dec 2024 E. coli resolved · Apr 2021 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 269 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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