Richland County property record for 174 Backspin Dr, Elgin, SC 29045
| Property Type | Planned Unit Development |
|---|---|
| Details | 4 bd · 3 ba · 2,952 sqft |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $465,000 (Jul 2026) |
| Tax Bill | $14,347 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Mar 2024 Sale & Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | R28912-10-09 |
| Primary APN | R28912-10-09 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,952 sqft Living Area |
| Flooring | Wood |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Lot Area | 6,970 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 174 BACKSPIN DR |
|---|---|
| City | ELGIN |
| State | SC |
| Zip | 29045-9825 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Planned Unit Development |
| Local Zoning Code | PD |
| Legal Description | LOT 48 55X125X55X125 #SU NORTHWOODS VILLAS @ WOODCREEK FARMS PH B #PR RB2714-1231 |
| Legal Lot Number | 48,55 |
| Jurisdiction | RICHLAND SC |
| Township / Civil Division | PONTIAC |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 11407 |
Source: Richland County records, as of October 20, 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 | 174 BACKSPIN DR, ELGIN, SC 29045-9825 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 10, 2026 | Warranty Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC |
| Mar 28, 2024 | Limited Warranty Deed, Transfer · Line of Credit SOUTH STATE BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 10, 2026 · Amount on Record |
| Deed Sale | Jul 10, 2026 · Amount on Record |
| Prior Sale | Mar 28, 2024 · Amount on Record |
| Deed Document Number | 202633917 |
| Deed Book / Page | 3145 / 3516 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Jul 10, 2026 |
| Property Address | 174 BACKSPIN DR, ELGIN, SC 29045-9825 |
| Document Number | 0000033917 |
| Book / Page | 3145 / 3516 |
| Instrument Date | Jul 8, 2026 |
| Instrument | 202633917 |
| Transaction Type | Transfer |
| Record Updated | Sep 22, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLUTI |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $122,109.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 174 BACKSPIN DR, ELGIN, SC 29045-9825 |
| Document Number | 0000033918, |
|---|---|
| Date | Jul 10, 2026 |
| Instrument | 202633918 |
| Name | CMG MORTGAGE INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Mar 28, 2024 |
| Property Address | 174 BACKSPIN DR, ELGIN, SC 29045-9825 |
| Document Number | 0029102868 |
| Book / Page | 2910 / 2868 |
| Instrument Date | Feb 1, 2024 |
| Transaction Type | Transfer |
| Record Updated | Apr 25, 2024 |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,092.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 174 BACKSPIN DR, ELGIN, SC 29045-9825 |
| Document Number | 2024013268 |
|---|---|
| Date | Mar 28, 2024 |
| Instrument | 2024013268 |
| Name | SOUTH STATE BANK NA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.37% |
| Adjustable | Adjustable Rate Rider |
| Change Frequency | Annually |
| Min Rate At Change | 5.37% |
| Max Rate At Change | 9.37% |
| Index | 1-Year CMT |
| Max Rate | 13.3% |
| Document Number | 0029102877 |
|---|---|
| Date | Mar 28, 2024 |
| Book Page | 2910/2877 |
| Instrument | 2024013268 |
| Name | SOUTH STATE BANK NA |
|---|---|
| Type | Bank |
| Address | 2440 MALL DR, NORTH CHARLESTON, SC 29406 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.37% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Apr 1, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 5.37% |
| Max Rate At Change | 9.37% |
| Index | 1-Year CMT |
| Max Rate | 13.3% |
Source: Richland County assessment roll, as of July 14, 2026
| Type | Name |
|---|---|
| State | South Carolina |
| County | Richland County |
| Municipality | Columbia City |
| Unified School District | Richland School District 2 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $14,347.00 (+5,253.36%) | $420,000 (+546.15%) Land $65,000 Building $355,000 | |
| 2024 | $8,700 | $65,000 Land $65,000 | |
| 2023 | $268.00 Additional exemption filed |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 106 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 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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