Kershaw County property record for 1278 Sessions Rd, Elgin, SC 29045
| Property Type | Single Family Home |
|---|---|
| Details | 2,221 sqft · built 2024 |
| Lot Size | 0.7 acres (30,492 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $279,990 (Apr 2025) |
| Tax Bill | $816 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Mar 2025 Construction Loan + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | E335-13-00-001D |
| Primary APN | E335-13-00-001D |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,221 sqft Gross Area |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Vinyl |
| Roof Material | Composition Shingle |
| Lot Area | 30,492 sqft (0.7 acres) |
| Account Number | 3536 |
|---|---|
| Street Address | 1278 SESSIONS RD |
| City | ELGIN |
| State | SC |
| Zip | 29045-8980 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MUNICIPAL |
| Legal Description | LOT 2 |
| Legal Subdivision | KEYSTONE CUSTOM BUILDERS LLC |
| Legal Lot Number | 2 |
| Jurisdiction | KERSHAW SC |
| Township / Civil Division | ELGIN |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 970907 |
Source: Kershaw County records, as of April 9, 2026
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 |
|---|---|
| Mailing Address | 1278 SESSIONS RD, ELGIN, SC 29045-8980 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 31, 2026 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Mar 21, 2025 | Deed of Trust, Mortgage · Construction Mortgage ARTHUR STATE BANK |
| Apr 17, 2025 | Warranty Deed, Subdivision Related Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Jan 12, 2023 | Warranty Deed, Construction Loan |
| Jan 13, 2023 | Warranty Deed, Construction Loan · Construction Mortgage QUEENSBOROUGH NATIONAL BANK & TRUST |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 17, 2025 · Amount on Record |
| Deed Sale | Apr 17, 2025 · Amount on Record |
| Prior Sale | Jan 12, 2023 · Amount on Record |
| Deed Document Number | 20253093 |
| Deed Book / Page | 5338 / 190 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KERSHAW SC |
| Property Address | 1278 SESSIONS RD, ELGIN, SC 29045-8980 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2026 |
| Title Company | BOSTON NATIONAL TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 1278 SESSIONS RD, ELGIN, SC 29045-8980 |
| Document Number | 0020262973 |
|---|---|
| Date | Mar 31, 2026 |
| Book Page | 5557/231 |
| Instrument | 2026-2973 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KERSHAW SC |
| Property Address | 1278 SESSIONS RD, ELGIN, SC 29045-8980 |
| Transaction Type | Mortgage |
| Record Updated | Nov 7, 2025 |
| Name | Verified Name |
|---|---|
| Address | 100 CORPORATE BLVD, WEST COLUMBIA, SC 29169-4610 |
| Investor | Possibly a Property Investor |
| Document Number | 0020252275 |
|---|---|
| Date | Mar 21, 2025 |
| Book Page | 5322/144 |
| Instrument | 2025-2275 |
| Name | ARTHUR STATE BANK |
|---|---|
| Type | Bank |
| Address | UNION, SC 29379 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 9 Months |
| Due | Dec 10, 2025 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KERSHAW SC |
| Recording Date | Apr 17, 2025 |
| Property Address | 1278 SESSIONS RD, ELGIN, SC 29045-8980 |
| Document Number | 0020253093 |
| Book / Page | 5338 / 190 |
| Instrument Date | Apr 11, 2025 |
| Instrument | 2025-3093 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Nov 7, 2025 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $728.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1278 SESSIONS RD, ELGIN, SC 29045-8980 |
| Document Number | 0020253094 |
|---|---|
| Date | Apr 17, 2025 |
| Instrument | 2025-3094 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KERSHAW SC |
| Recording Date | Jan 12, 2023 |
| Property Address | 1278 SESSIONS RD, ELGIN, SC 29045-8980 |
| Document Number | 202300000338 |
| Book / Page | 4879 / 305 |
| Map Reference | MB D-132 PG 3-B |
| Instrument Date | Jan 5, 2023 |
| Instrument | 202300000338 |
| Transaction Type | Construction Loan |
| Record Updated | Nov 7, 2025 |
| Amount | Amount Recorded |
|---|---|
| Tax | $208.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 100 CORPORATE BLVD, WEST COLUMBIA, SC 29169-4610 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KERSHAW SC |
| Recording Date | Jan 13, 2023 |
| Property Address | 1278 SESSIONS RD, ELGIN, SC 29045-8980 |
| Document Number | 202300000391 |
| Book / Page | 4880 / 214 |
| Map Reference | MB D-132 PG 3-B |
| Instrument Date | Jan 5, 2023 |
| Instrument | 202300000391 |
| Transaction Type | Construction Loan |
| Record Updated | Nov 7, 2025 |
| Amount | Amount Recorded |
|---|---|
| Tax | $104.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 100 CORPORATE BLVD, WEST COLUMBIA, SC 29169-4610 |
| Investor | Possibly a Property Investor |
| Document Number | 202300000392 |
|---|---|
| Date | Jan 13, 2023 |
| Instrument | 202300000392 |
| Name | QUEENSBOROUGH NATIONAL BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jan 6, 2024 |
Source: Kershaw County assessment roll, as of November 7, 2025
| Type | Name |
|---|---|
| State | South Carolina |
| County | Kershaw County |
| Municipality | Elgin Town |
| Unified School District | Kershaw County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $816.00 (-43.92%) | $272,100 (+1,776.55%) Land $40,000 Building $232,100 | $272,100 (+1,776.55%) |
| 2023 | $1,455.00 (+298.63%) | $14,500 (-27.5%) Land $14,500 | $14,500 (-27.5%) |
| 2022 | $365.00 | $20,000 Land $20,000 | $20,000 Land $20,000 |
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 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 8 (10% premium discount) |
| Nearby Flood Policies | 1 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.
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 | 0.02% annual chance |
| Exposure | None beyond ember reach |
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 | LUGOFF ELGIN WATER AUTH serves 25,783 people · EPA ID SC2820001 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2026 |
| Lead | 2 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 110 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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