188 Peach Grove Cir, Elgin, SC 29045 Property Records

Richland County property record for 188 Peach Grove Cir, Elgin, SC 29045

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,728 sqft · built 2010
Lot Size	0.048 acres (2,094 sqft)
Owner	2 Trust Names on Record
Last Sale	$232,000 (Sep 2018)
Tax Bill	$1,905 (2025)
Deeds & Mortgages	Sep 2018 Sale & Line of Credit Jan 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`25782-01-57`

Property Details

APN / Parcel Number

Primary APN	`25782-01-57`
Alternative APNs	`R25782-01-57` `02043906`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,728 sqft Heated Area
Gross Area	2,381 sqft
1st Floor Area	1,728 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	2,094 sqft (0.048 acres)
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	233 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	02043906
Street Address	188 PEACH GROVE CIR
City	ELGIN
State	SC
Zip	29045-7116
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RS-1
Legal Description	UNIT 7-1 #SU PEACH GROVE VILLAS PH 5 #PR RB1625-940 1628-402
Legal Range	10
Legal Township	31
Legal Section	27
Legal Subdivision	PEACH GROVE VILLAS
Legal Unit	7
Jurisdiction	RICHLAND SC
Township / Civil Division	PONTIAC
Census Block Group	1
Census Block	1026
Census Tract	11414

Owner

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 Trust Names on Record
Mailing Address	188 PEACH GROVE CIR, ELGIN, SC 29045-7116
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2018	Grant Deed, Construction Loan · Line of Credit RICHARD F KERNAN
Jan 23, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 13, 2018 · Amount on Record
Deed Sale	Sep 13, 2018 · Amount on Record
Prior Sale	Oct 6, 2010 · Amount on Record
Deed Document Number	201866601
Deed Book / Page	2335 / 627
Prior Transfer Date	Aug 30, 2018
Prior Transfer Doc	0023663600
Record Updated	Oct 29, 2026

September 2018: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	RICHLAND SC
Recording Date	Sep 13, 2018
Property Address	188 PEACH GROVE CIR, ELGIN, SC 29045-7116
Document Number	2335/0627
Book / Page	002335 / 000627
Instrument Date	Aug 30, 2018
Instrument	66601
Transaction Type	Construction Loan
Record Updated	Oct 2, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$858.40
Amount Accuracy	Confirmed
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	188 PEACH GROVE CIR ELGIN SC 290457116, ELGIN, SC 29045-7116

Mortgage

Document Number	2335/0630
Date	Sep 13, 2018
Book Page	002335/000630
Instrument	66602

Lender

Name	RICHARD F KERNAN
Address	116 ASHLEY RIDGE RD, BLYTHEWOOD, SC 29016-8679

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Sep 12, 2019

Interest

Rate Type	Adjustable Rate

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	RICHLAND SC
Recording Date	Jan 23, 2019
Property Address	188 PEACH GROVE CIR, ELGIN, SC 29045-7116
Document Number	2366/3600
Book / Page	002366 / 003600
Instrument Date	Aug 30, 2018
Instrument	4958
Transaction Type	Transfer
Record Updated	Feb 12, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	188 PEACH GROVE CIR ELGIN SC 290457116, ELGIN, SC 29045-7116

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	$1,905.00 Homeowner's exemption	$9,280 (-96.52%)	$290,900 (-) Land $40,000 Building $250,900
2024		$266,800 (+2,775%)	$290,900 (+25.39%) Land $40,000 Building $250,900
2023		$9,280	$232,000
2022	$3,222.00

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	9 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

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

Wildfire Risk	Low lower than 67% of the US · lower than 94% of South Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 87 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, T-Mobile.

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