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13 Spears Ct, Elgin, SC 29045 Property Records

Richland County property record for 13 Spears Ct, Elgin, SC 29045 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2005
Square Footage1,807 sqft Heated Area
Lot Size4,101 sqft (0.094 acres)
OccupancyOwner Occupied
Last Sale$150,000 (2019)
Tax Bill$1,818.00 (2025)

Owner

Source: Richland County records · APN 25810-02-18

Assessment roll updated July 14, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address13 SPEARS CT, ELGIN, SC 29045-8261
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Nov 27, 2019Grant Deed, Transfer · Federal Housing Administration (FHA) Mortgage
NEW AMERICAN FNDG
Nov 26, 2019Deed of Trust, Mortgage · Conventional Mortgage
NEW AMERICAN FNDG

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleNov 27, 2019 · Amount on Record
Deed SaleNov 27, 2019 · Amount on Record
Prior SaleOct 15, 2015 · Amount on Record
Deed Doc Number201989188
Deed Book / Page2449 / 3346
Record RefreshedSep 20, 2026

November 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionRICHLAND SC
Recording DateNov 27, 2019
Property Address13 SPEARS CT, ELGIN, SC 29045-8261
Document Number2449/3346
Book / Page002449 / 003346
Instrument DateNov 26, 2019
Instrument89188
Transaction TypeTransfer
Record UpdatedDec 23, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$555.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipSole Owner
Address13 SPEARS CT ELGIN SC 290458261, ELGIN, SC 29045-8261

Mortgage

Document Number2449/3350
DateNov 27, 2019
Book Page002449/003350
Instrument89189
Lender
NameNEW AMERICAN FNDG
TypeFunding / Finance Company
AddressTUSTIN, CA 92780
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueNov 26, 2049

Mortgage

Document Number2449/3363,
DateNov 27, 2019
Book Page002449/003363
Instrument89190
Lender
NameNEW AMERICAN FNDG
TypeFunding / Finance Company
AddressTUSTIN, CA 92780
Agreement
AmountAmount Recorded
Term120 Months
DueNov 26, 2029

November 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionRICHLAND SC
Property Address13 SPEARS CT, ELGIN, SC 29045-8261
Document Number2469/0475
Instrument DateNov 26, 2019
Transaction TypeMortgage
Record UpdatedMar 06, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address13 SPEARS CT ELGIN SC 290458261, ELGIN, SC 29045-8261

Mortgage

Document Number2469/0475
DateFeb 13, 2020
Book Page002469/000475
Instrument8102
Lender
NameNEW AMERICAN FNDG
TypeFunding / Finance Company
AddressTUSTIN, CA 92780
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term120 Months
DueFeb 12, 2030

Tax Assessment & Valuation

Source: Richland County records · Assessment roll updated July 14, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateSouth Carolina
CountyRichland County
Unified School DistrictRichland School District 2 (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$1,818.00 (+13.98%)$172,500 (+2,775%)$219,400 (+46.27%) Land $34,000 Building $185,400
2023$1,595.00 (+1.01%)$6,000 (-)$150,000 (-)
2021$1,579.00$6,000$150,000 Land $24,000 Building $126,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Richland County (45079C), updated September 13, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskLow
above 5% of the US · above 2% of South Carolina
Wildfire LikelihoodAbout 1 in 10,000 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN25810-02-18
Alternative APNs
  • R25810-02-18
  • 01805684

Interior

Bedrooms3 Beds
Full Baths2 Baths
Partial Baths1 Partial Baths
Building Area1,807 sqft Heated Area
Gross Area2,210 sqft Gross Area
1st Floor777 sqft 1st Floor
Stories2 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2005
Architectural StyleContemporary Style
Exterior MaterialVinyl Exterior
Construction TypeFrame Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area4,101 sqft (0.094 acres)
Parking Spaces1 Parking Spaces
Garage Area253 sqft Garage
Porch Area150 sqft Porch

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemForced Air with Air Conditioning Heating
Heating FuelElectric Heating Fuel
SewageMunicipal Sewage
Water SourceCommercial Water Source

Location & Zoning

Account Number01805684
Street Address13 SPEARS CT
CityELGIN
StateSC
Zip29045-8261
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionLOT 84 44.9X80.4X44.8X80.1 #SU SPEARS CREEK VILLAGE PH I #PR RB970-3129 1128-46
Legal SubdivisionSPEARS CREEK VILLAGE
Legal Lot Number44,84
JurisdictionRICHLAND SC
Minor Civil DivisionPONTIAC
Census Blockgroup1
Census Block1003
Census Tract11414

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