123 Sweetspire Ln, Elgin, SC 29045 Property Records

Richland County property record for 123 Sweetspire Ln, Elgin, SC 29045

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 4,240 sqft · built 2019
Lot Size	0.47 acres (20,473 sqft)
Owner	2 Individual Names on File
Last Sale	$557,500 (Aug 2019)
Tax Bill	$5,635 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Jul 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`28905-06-06`

Property Details

APN / Parcel Number

Primary APN	`28905-06-06`
Alternative APNs	`R28905-06-06` `01812006`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,240 sqft Heated Area
Gross Area	5,257 sqft
1st Floor Area	2,612 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	20,473 sqft (0.47 acres)
Garage Area	720 sqft
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	01812006
Street Address	123 SWEETSPIRE LN
City	ELGIN
State	SC
Zip	29045-8116
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	LOT 9 160.9X128.7X164.9X117.3 #SU WOODCREEK FARMS AREA D14 PH IIA
Legal Subdivision	WOODCREEK
Legal Tract	D14
Legal Lot Number	9,160
Jurisdiction	RICHLAND SC
Township / Civil Division	PONTIAC
Census Block Group	2
Census Block	2069
Census Tract	11407

Owner

Source: Richland County records, as of July 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	123 SWEETSPIRE LN, ELGIN, SC 29045-8116
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jul 1, 2021	Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NA
Oct 20, 2021	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Aug 30, 2019	Grant Deed, Subdivision Related Transfer · Line of Credit GUILD MTG
Dec 12, 2018	Warranty Deed, Construction Loan · Line of Credit FIRST SOUTH BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2019 · Amount on File
Deed Sale	Aug 30, 2019 · Amount on File
Prior Sale	Dec 12, 2018 · Amount on File
Deed Document Number	201964105
Deed Book / Page	2424 / 673
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	123 SWEETSPIRE LN, ELGIN, SC 29045-8116
Transaction Type	Mortgage
Record Updated	Apr 11, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0025910339
Date	Mar 1, 2021
Book Page	2591/339
Instrument	2021012479

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	123 SWEETSPIRE LN, ELGIN, SC 29045-8116
Transaction Type	Mortgage
Record Updated	Apr 11, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 SWEETSPIRE LN, ELGIN, SC 29045-8116

Mortgage

Document Number	0026371210
Date	Jul 1, 2021
Book Page	2637/1210
Instrument	2021043051

Lender

Name	SOUTH STATE BANK NA
Type	Bank
Address	COLUMBIA, SC 29201

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Jun 20, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	123 SWEETSPIRE LN, ELGIN, SC 29045-8116
Transaction Type	Mortgage
Record Updated	Apr 11, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 SWEETSPIRE LN, ELGIN, SC 29045-8116

Mortgage

Document Number	0026782150
Date	Oct 20, 2021
Book Page	2678/2150
Instrument	2021070274

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	294 Months
Due	Apr 8, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	RICHLAND SC
Recording Date	Aug 30, 2019
Property Address	123 SWEETSPIRE LN, ELGIN, SC 29045-8116
Document Number	2424/0673
Book / Page	002424 / 000673
Instrument Date	Aug 29, 2019
Instrument	64105
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 25, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,062.75
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	123 SWEETSPIRE LN ELGIN SC 29045, ELGIN, SC 29045

Mortgage

Document Number	2424/0677
Date	Aug 30, 2019
Book Page	002424/000677
Instrument	64106

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 29, 2049

Interest

Rate Type	Adjustable Rate

December 2018: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	RICHLAND SC
Recording Date	Dec 12, 2018
Property Address	123 SWEETSPIRE LN, ELGIN, SC 29045-8116
Document Number	2356/2937
Book / Page	002356 / 002937
Instrument Date	Dec 6, 2018
Instrument	90074
Transaction Type	Construction Loan
Record Updated	Jan 16, 2019
Title Company	OTHER

Transaction

Amount	Amount on Record
Tax	$185.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	161 PONTIAC BUSINESS CENTER DR ELGIN SC 290457123, ELGIN, SC 29045-7123
Investor	Possibly a Property Investor

Mortgage

Document Number	2356/2941
Date	Dec 12, 2018
Book Page	002356/002941
Instrument	90075

Lender

Name	FIRST SOUTH BK
Type	Bank
Address	SPARTANBURG, SC 29304

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Dec 11, 2019

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Richland County assessment roll, as of July 14, 2026

Property Jurisdictions

Type	Name
State	South Carolina
County	Richland County
Municipality	Columbia City
Unified School District	Richland School District 2 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,635.00 (+17.42%)	$641,100 (+2,774.89%)	$723,900 (+29.85%) Land $77,000 Building $646,900
2023	$4,799.00 (-5.29%)	$22,300 (-)	$557,500 (-)
2021	$5,067.00	$22,300	$557,500 Land $70,000 Building $487,500

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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 File 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 96% of South Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 94 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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