Richland County property record for 1280 Independence Dr, Elgin, SC 29045
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,808 sqft · built 2021 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $227,630 (Mar 2021) |
| Tax Bill | $1,760 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Dec 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 28803-12-21 |
| Primary APN | 28803-12-21 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,808 sqft Heated Area |
| Gross Area | 2,376 sqft |
| 1st Floor Area | 998 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 | 7,405 sqft (0.17 acres) |
| Garage Area | 378 sqft |
| Porch | Slab |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 02178379 |
|---|---|
| Street Address | 1280 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 49 45.9X118.4X20.5X56.6X118.9 #SU PARK @ LIBERTY RIDGE PH 2 #PR RB2478-3402 |
| Legal Subdivision | LIBERTY RIDGE |
| Legal Lot Number | 45,49 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 1280 INDEPENDENCE DR, ELGIN, SC 29045-7915 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 28, 2026 | Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT |
| Dec 8, 2023 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| May 15, 2023 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Mar 9, 2021 | Deed, Subdivision Related Transfer · FHA Mortgage LENDUS LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 9, 2021 · Amount on Record |
| Deed Sale | Mar 9, 2021 · Amount on Record |
| Deed Document Number | 202114425 |
| Deed Book / Page | 2594 / 314 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Apr 28, 2026 |
| Property Address | 1280 INDEPENDENCE DR, ELGIN, SC 29045-7915 |
| Document Number | 0000020017 |
| Book / Page | 3121 / 3487 |
| Instrument Date | Mar 31, 2026 |
| Instrument | 202620017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1280 INDEPENDENCE DR, ELGIN, SC 29045-7915 |
| Document Number | 0000020017, |
|---|---|
| Date | Apr 28, 2026 |
| Book Page | 3121/3487 |
| Instrument | 202620017 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Apr 1, 2051 |
| Rate | 6% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Property Address | 1280 INDEPENDENCE DR, ELGIN, SC 29045-7915 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2024 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 1280 INDEPENDENCE DR, ELGIN, SC 29045-7915 |
| Document Number | 0028850063 |
|---|---|
| Date | Dec 8, 2023 |
| Book Page | 2885/63 |
| Instrument | 2023052944 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 328 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Property Address | 1280 INDEPENDENCE DR, ELGIN, SC 29045-7915 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2024 |
| Name | Verified Name |
|---|---|
| Address | 1280 INDEPENDENCE DR, ELGIN, SC 29045-7915 |
| Document Number | 0028352969 |
|---|---|
| Date | May 15, 2023 |
| Book Page | 2835/2969 |
| Instrument | 2023020044 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 335 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Mar 9, 2021 |
| Property Address | 1280 INDEPENDENCE DR, ELGIN, SC 29045-7915 |
| Document Number | 0025940314 |
| Book / Page | 2594 / 314 |
| Map Reference | MB 2478 PG 3402 |
| Instrument Date | Mar 3, 2021 |
| Instrument | 2021014425 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Apr 11, 2024 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $843.60 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1280 INDEPENDENCE DR, ELGIN, SC 29045-7915 |
| Document Number | 2021014426 |
|---|---|
| Date | Mar 9, 2021 |
| Instrument | 2021014426 |
| Name | LENDUS LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 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 | $1,760.00 (-10.11%) Homeowner's exemption | $250,300 (-) Land $50,400 Building $199,900 | $250,300 (-) Land $50,400 Building $199,900 |
| 2024 | $250,300 (+2,649.34%) Land $50,400 Building $199,900 | $250,300 (+9.97%) Land $50,400 Building $199,900 | |
| 2023 | $1,958.00 (+84.2%) | $9,104 (+405.78%) | $227,600 (+658.67%) |
| 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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