Richland County property record for 1260 Independence Dr, Elgin, SC 29045
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,615 sqft · built 2021 |
| Lot Size | 0.119 acres (5,227 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $320,000 (Jun 2024) |
| Tax Bill | $2,122 (2023) |
| Deeds & Mortgages | May 2022 Mortgage Feb 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 28803-12-16 |
| Primary APN | 28803-12-16 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,615 sqft Heated Area |
| Gross Area | 3,215 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2021 |
|---|---|
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Composition Shingle |
| Lot Area | 5,227 sqft (0.119 acres) |
| Porch | Porch |
| Heating System | Forced Air |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 02178324 |
|---|---|
| Street Address | 1260 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 54 45X120X45X120 #SU PARK @ LIBERTY RIDGE PH 2 #PR RB2478-3402 |
| Legal Subdivision | LIBERTY RIDGE |
| Legal Lot Number | 45,54 |
| Jurisdiction | RICHLAND SC |
| Township / Civil Division | PONTIAC |
| Census Block Group | 2 |
| Census Block | 2079 |
| Census Tract | 11407 |
Source: Richland County records, as of November 24, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 1260 INDEPENDENCE DR, ELGIN, SC 29045-7915 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 4, 2022 | Deed of Trust, Mortgage · VA Mortgage MORTGAGEPROS LLC |
| Feb 19, 2021 | Deed, Subdivision Related Transfer · VA Mortgage VANDERBILT MORTGAGE & FINANCE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 14, 2024 · Amount on Record |
| Deed Sale | Jun 14, 2024 · Amount on Record |
| Prior Sale | Feb 19, 2021 · Amount on Record |
| Deed Document Number | 2024026283 |
| Deed Book / Page | 2931 / 3278 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Property Address | 1260 INDEPENDENCE DR, ELGIN, SC 29045-7915 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0027411012 |
|---|---|
| Date | May 4, 2022 |
| Book Page | 2741/1012 |
| Instrument | 2022025760 |
| Name | MORTGAGEPROS LLC |
|---|---|
| Type | Mortgage Company |
| Address | TROY, MI 48084 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Feb 19, 2021 |
| Property Address | 1260 INDEPENDENCE DR, ELGIN, SC 29045-7915 |
| Document Number | 0025880309 |
| Book / Page | 2588 / 309 |
| Map Reference | MB 2478 PG 3402 |
| Instrument Date | Feb 16, 2021 |
| Instrument | 2021010532 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Apr 11, 2024 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $912.05 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1260 INDEPENDENCE DRIVE, ELGIN, SC 29045-7915 |
| Document Number | 0025880313 |
|---|---|
| Date | Feb 19, 2021 |
| Book Page | 2588/313 |
| Instrument | 2021010533 |
| Name | VANDERBILT MORTGAGE & FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2051 |
Source: Richland County assessment roll, as of September 13, 2023
| 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 |
|---|---|---|---|
| 2023 | $2,122.00 (+680.15%) | $9,856 (+721.33%) | $246,400 (+721.33%) |
| 2021 | $272.00 | $1,200 | $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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