1301 Montford Dr, Elgin, SC 29045 Property Records

Richland County property record for 1301 Montford Dr, Elgin, SC 29045

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,974 sqft · built 2021
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$239,900 (Apr 2021)
Tax Bill	$2,066 (2023)
Deeds & Mortgages	Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28803-09-19`

Property Details

APN / Parcel Number

Primary APN	`28803-09-19`
Alternative APNs	`R28803-09-19` `02177851`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,974 sqft Heated Area
Gross Area	2,450 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.139 acres)
Porch	Porch

Utilities, Heating & Cooling

Heating System	Forced Air
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	02177851
Street Address	1301 MONTFORD DR
City	ELGIN
State	SC
Zip	29045-7909
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	LOT 81 32.5X27.5X102.5X50X120 #SU PARK @ LIBERTY RIDGE PH 3 #PR RB2478-3403
Legal Subdivision	LIBERTY RIDGE
Legal Lot Number	32,81
Jurisdiction	RICHLAND SC
Township / Civil Division	PONTIAC
Census Block Group	2
Census Block	2079
Census Tract	11407

Owner

1301 Montford Dr is owned and occupied by an individual who bought it in April 2021.

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

Owner of Record	Individual Name on File
Mailing Address	1301 MONTFORD DR, ELGIN, SC 29045-7909
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 22, 2021 · Amount on File
Deed Sale	Apr 22, 2021 · Amount on File
Deed Document Number	0R26083417
Deed Book / Page	R2608 / 3417
Record Updated	Jun 8, 2026

April 2021: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	RICHLAND SC
Recording Date	Apr 22, 2021
Property Address	1301 MONTFORD DR, ELGIN, SC 29045-7909
Document Number	0026083417
Book / Page	2608 / 3417
Map Reference	MB 2478 PG 3403
Instrument Date	Apr 7, 2021
Instrument	2021024028
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 11, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$888.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1301 MONTFORD DR, ELGIN, SC 29045-7909

Mortgage

Document Number	2021024029
Date	Apr 22, 2021
Instrument	2021024029

Lender

Name	VANDERBILT MORTGAGE & FINANCE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

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	$2,066.00	$9,596	$239,900
2021	$77.00	$340	$8,400 Land $8,400

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1301 Montford Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2015.

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

Wildfire risk around 1301 Montford Dr is low, with a 0.05% annual chance of wildfire.

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.

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