1284 Independence Dr, Elgin, SC 29045 Property Records

Richland County property record for 1284 Independence Dr, Elgin, SC 29045

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,908 sqft · built 2020
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on File
Last Sale	$219,500 (Dec 2020)
Tax Bill	$1,889 (2023)
Deeds & Mortgages	Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28803-12-22`

Property Details

APN / Parcel Number

Primary APN	`28803-12-22`
Alternative APNs	`R28803-12-22` `02178388`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,908 sqft Heated Area
Gross Area	2,514 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Architectural Style	Conventional
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,841 sqft (0.18 acres)
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	02178388
Street Address	1284 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 48 29.2X24.2X103.8X38.8X47.4X 118.4 #SU PARK @ LIBERTY RIDGE PH 2
Legal Subdivision	LIBERTY RIDGE
Legal Lot Number	29,48
Jurisdiction	RICHLAND SC
Township / Civil Division	PONTIAC
Census Block Group	2
Census Block	2079
Census Tract	11407

Owner

Source: Richland County records, as of November 24, 2025

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	1284 INDEPENDENCE DR, ELGIN, SC 29045-7915
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 2020 · Amount on File
Deed Sale	Dec 31, 2020 · Amount on File
Deed Document Number	0R25712715
Deed Book / Page	R2571 / 2715
Record Updated	Jun 8, 2026

December 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	RICHLAND SC
Recording Date	Dec 31, 2020
Property Address	1284 INDEPENDENCE DR, ELGIN, SC 29045-7915
Document Number	2571/2715
Book / Page	002571 / 002715
Instrument Date	Dec 30, 2020
Instrument	75095
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 10, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$812.00
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	1284 INDEPENDENCE DR ELGIN SC 29045, ELGIN, SC 29045

Mortgage

Document Number	2571/2719
Date	Dec 31, 2020
Book Page	002571/002719
Instrument	75096

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 30, 2050

Tax Assessment & Valuation

Source: Richland County assessment roll, as of September 13, 2023

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
2023	$1,889.00 (-75.73%)	$8,780 (-33.33%)	$219,500 (-)
2021	$7,783.00	$13,170	$219,500 Land $30,000 Building $189,500

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	Moderate above 42% of the US · lower than 70% of South Carolina
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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 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