Richland County property record for 1272 Independence Dr, Elgin, SC 29045
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,440 sqft · built 2021 |
| Lot Size | 0.12 acres (5,227 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $317,000 (Jun 2022) |
| Tax Bill | $10,271 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage Jun 2022 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 28803-12-19 |
| Primary APN | 28803-12-19 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,440 sqft Heated Area |
| Gross Area | 3,030 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 | 02178351 |
|---|---|
| Street Address | 1272 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 51 45X120X45X120 #SU PARK @ LIBERTY RIDGE PH 2 #PR RB2478-3402 |
| Legal Subdivision | LIBERTY RIDGE |
| Legal Lot Number | 45,51 |
| 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 | 1272 INDEPENDENCE DR, ELGIN, SC 29045-7915 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 9, 2026 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Jun 14, 2022 | Deed, Transfer · FHA Mortgage WYNDHAM CAPITAL MORTGAGE INC |
| Jan 27, 2021 | Grant Deed, Subdivision Related Transfer · VA Mortgage GUILD MTG |
| Jan 27, 2021 | Deed, Subdivision Related Transfer · VA Mortgage GUILD MORTGAGE CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 14, 2022 · Amount on Record |
| Deed Sale | Jun 14, 2022 · Amount on Record |
| Prior Sale | Jan 27, 2021 · Amount on Record |
| Deed Document Number | 202234099 |
| Deed Book / Page | 2753 / 3408 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Property Address | 1272 INDEPENDENCE DR, ELGIN, SC 29045-7915 |
| Transaction Type | Mortgage |
| Record Updated | Jan 22, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1272 INDEPENDENCE DR, ELGIN, SC 29045-7915 |
| Document Number | 0030901120 |
|---|---|
| Date | Jan 9, 2026 |
| Book Page | 3090/1120 |
| Instrument | 2026001255 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | MADISON HEIGHTS, MI 48071 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Jun 14, 2022 |
| Property Address | 1272 INDEPENDENCE DR, ELGIN, SC 29045-7915 |
| Document Number | 0027533408 |
| Book / Page | 2753 / 3408 |
| Map Reference | MB 2478 PG 3402 |
| Instrument Date | Jun 6, 2022 |
| Instrument | 2022034099 |
| Transaction Type | Transfer |
| Record Updated | Apr 11, 2024 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $824.20 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1272 INDEPENDENCE DR, ELGIN, SC 29045-7915 |
| Document Number | 2022034100 |
|---|---|
| Date | Jun 14, 2022 |
| Instrument | 2022034100 |
| Name | WYNDHAM CAPITAL MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Jan 27, 2021 |
| Property Address | 1272 INDEPENDENCE DR, ELGIN, SC 29045-7915 |
| Document Number | 2579/3268 |
| Book / Page | 002579 / 003268 |
| Instrument Date | Jan 25, 2021 |
| Instrument | 5083 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Mar 23, 2021 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $885.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1272 INDEPENDENCE DR ELGIN SC 29045, ELGIN, SC 29045 |
| Document Number | 2582/0495 |
|---|---|
| Date | Jan 27, 2021 |
| Book Page | 002582/000495 |
| Instrument | 6595 |
| Name | GUILD MTG |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92111 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 26, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Jan 27, 2021 |
| Property Address | 1272 INDEPENDENCE DR, ELGIN, SC 29045-7915 |
| Document Number | 0025793268 |
| Book / Page | 2579 / 3268 |
| Map Reference | MB 2478 PG 3402 |
| Instrument Date | Jan 25, 2021 |
| Instrument | 2021005083 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Apr 11, 2024 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $886.15 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1272 INDEPENDENCE DRIVE, ELGIN, SC 29045-7915 |
| Document Number | 0025820495 |
|---|---|
| Date | Feb 2, 2021 |
| Book Page | 2582/495 |
| Instrument | 2021006595 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92111 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2051 |
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 | $10,271.00 (-7.45%) | $300,600 (+3,044.35%) Land $50,400 Building $250,200 | $300,600 (+25.77%) Land $50,400 Building $250,200 |
| 2023 | $11,098.00 (+3,980.15%) | $9,560 (+696.67%) | $239,000 (+696.67%) |
| 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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