Kershaw County property record for 15 Fir Tree Ln, Elgin, SC 29045
| Property Type | Single Family Home |
|---|---|
| Details | 2,501 sqft · built 2002 |
| Lot Size | 0.69 acres (30,056 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $275,750 (May 2022) |
| Tax Bill | $1,925 (2025) |
| Deeds & Mortgages | Jan 2026 Line of Credit Jan 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 358-02-00-018-SHB |
| Primary APN | 358-02-00-018-SHB |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,501 sqft Gross Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Vinyl |
| Lot Area | 30,056 sqft (0.69 acres) |
| Garage Type | Attached |
| Garage Area | 504 sqft |
| Porch | Porch |
| Porch Area | 40 sqft |
| Deck Area | 132 sqft |
| Account Number | 43705 |
|---|---|
| Street Address | 15 FIR TREE LN |
| City | ELGIN |
| State | SC |
| Zip | 29045-8531 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R15 |
| Legal Description | WINDMILL RIDGE SUBDIV LOT 18 |
| Legal Subdivision | WINDMILL RIDGE SUBDIV |
| Legal Lot Number | 18 |
| Jurisdiction | KERSHAW SC |
| Township / Civil Division | ELGIN |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 970908 |
15 Fir Tree Ln is owned and occupied by two individuals who bought it in May 2022.
Source: Kershaw County records, as of May 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 15 FIR TREE LN, ELGIN, SC 29045-8531 |
| 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.
| Date | Document |
|---|---|
| Jan 7, 2026 | Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE |
| Jan 11, 2017 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 5, 2022 · Amount on File |
| Deed Sale | May 5, 2022 · Amount on File |
| Prior Sale | Sep 5, 2002 · Amount on File |
| Deed Document Number | 20224751 |
| Deed Book / Page | 4734 / 1 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KERSHAW SC |
| Property Address | 15 FIR TREE LN, ELGIN, SC 29045-8531 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0002026179 |
|---|---|
| Date | Jan 7, 2026 |
| Book Page | 5503/102 |
| Instrument | 2026-179 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 354 Months |
| Due | Jul 3, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KERSHAW SC |
| Property Address | 15 FIR TREE LN, ELGIN, SC 29045-8531 |
| Document Number | 0000000419 |
| Instrument Date | Jan 11, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Apr 22, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 15 FIR TREE LN ELGIN SC 290458531, ELGIN, SC 29045-8531 |
| Document Number | 0000000419 |
|---|---|
| Date | Jan 18, 2017 |
| Book Page | 003639/000137 |
| Instrument | 419 |
| Name | FIRST CITIZENS BK |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611-6592 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Jan 17, 2042 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 15 Fir Tree Ln was $1,925.
Source: Kershaw County assessment roll, as of November 7, 2025
| Type | Name |
|---|---|
| State | South Carolina |
| County | Kershaw County |
| Unified School District | Kershaw County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,925.00 | $322,700 Land $30,000 Building $292,700 | $322,700 |
| 2023 | $1,315.00 | $322,800 Land $30,000 Building $292,800 | $322,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 15 Fir Tree Ln in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 28, 2018 · 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 |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 1 in force |
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 risk around 15 Fir Tree Ln is moderate, ranking above 42% of the US, with a 0.07% annual chance of 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 | 0.07% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 94 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: AT&T.
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