13 Jacobs Mill Ct, Elgin, SC 29045 Property Records

Richland County property record for 13 Jacobs Mill Ct, Elgin, SC 29045

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 4,286 sqft · built 1999
Lot Size	0.924 acres (40,262 sqft)
Owner	2 Individual Names on Record
Last Sale	$782,200 (Dec 2021)
Tax Bill	$6,484 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Dec 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28902-01-03`

Property Details

APN / Parcel Number

Primary APN	`28902-01-03`
Alternative APNs	`R28902-01-03` `01499694`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,286 sqft Heated Area
Gross Area	5,665 sqft
1st Floor Area	2,938 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	40,262 sqft (0.924 acres)
Garage Area	663 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Pool with Hot Tub/Spa
Porch	Slab
Porch Area	931 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	01499694
Street Address	13 JACOBS MILL CT
City	ELGIN
State	SC
Zip	29045-8646
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	LOT 30 BLK D4 103X58.6X222.9X131.9X214.5 #SU WOODCREEK FARMS #PR 56-4116
Legal Subdivision	WOODCREEK
Legal Block	D4
Legal Lot Number	30
Jurisdiction	RICHLAND SC
Township / Civil Division	PONTIAC
Census Block Group	2
Census Block	2045
Census Tract	11407

Owner

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	13 JACOBS MILL CT, ELGIN, SC 29045-8646
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Dec 21, 2021	Deed, Transfer · Conventional Mortgage PNC BANK NA
Jun 8, 2017	Deed of Trust, Mortgage · Conventional Mortgage BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 21, 2021 · Amount on Record
Deed Sale	Dec 21, 2021 · Amount on Record
Prior Sale	Jan 6, 1999 · Amount on Record
Deed Document Number	202184534
Deed Book / Page	2699 / 3975
Record Updated	Sep 20, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	13 JACOBS MILL CT, ELGIN, SC 29045-8646
Transaction Type	Mortgage
Record Updated	Jan 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 JACOBS MILL CT, ELGIN, SC 29045-8646

Mortgage

Document Number	0028831437
Date	Dec 1, 2023
Book Page	2883/1437
Instrument	2023051885

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	478 Months
Due	Oct 23, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	RICHLAND SC
Recording Date	Dec 21, 2021
Property Address	13 JACOBS MILL CT, ELGIN, SC 29045-8646
Document Number	0026993975
Book / Page	2699 / 3975
Map Reference	MB 56 PG 4116
Instrument Date	Dec 20, 2021
Instrument	2021084534
Transaction Type	Transfer
Record Updated	Jan 16, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,034.50
Amount Accuracy	Verified / From Affidavit
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	13 JACOBS MILL CT, ELGIN, SC 29045-8646

Mortgage

Document Number	2021084535
Date	Dec 21, 2021
Instrument	2021084535

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	13 JACOBS MILL CT, ELGIN, SC 29045-8646
Document Number	2219/0818
Book / Page	002219 / 000818
Instrument Date	Jun 8, 2017
Transaction Type	Mortgage
Record Updated	Jul 18, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 JACOBS MILL CT ELGIN SC 290458646, ELGIN, SC 29045-8646

Mortgage

Document Number	2219/0818
Date	Jun 14, 2017
Book Page	002219/000818
Instrument	44252

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jun 13, 2042

Tax Assessment & Valuation

Source: Richland County assessment roll, as of July 14, 2026

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
2025	$6,484.00 (-3.71%)	$19,228 (-)	$737,500 (+53.42%) Land $82,500 Building $655,000
2023	$6,734.00 (-60.49%)	$19,228 (-33.33%)	$480,700 (-)
2021	$17,045.00	$28,840	$480,700 Land $75,000 Building $405,700

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 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 91% of South Carolina
Wildfire Likelihood	0.03% 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 124 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

May also be available: AT&T.

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