20 Sweetspire Dr, Elgin, SC 29045 Property Records

Richland County property record for 20 Sweetspire Dr, Elgin, SC 29045

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 5,318 sqft · built 2008
Lot Size	0.49 acres (21,344 sqft)
Owner	Individual Name on Record
Last Sale	$855,000 (Aug 2018)
Tax Bill	$7,822 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Aug 2019 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`28905-06-08`

Property Details

APN / Parcel Number

Primary APN	`28905-06-08`
Alternative APNs	`R28905-06-08` `01888942`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	5,318 sqft Heated Area
Gross Area	7,027 sqft
1st Floor Area	3,428 sqft
Attic	Attic
Attic Area	108 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Contemporary
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	21,344 sqft (0.49 acres)
Garage Area	1,001 sqft
Parking Spaces	4 Parking Spaces
Pool Type	Pool with Hot Tub/Spa
Porch	Slab
Porch Area	384 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	01888942
Street Address	20 SWEETSPIRE DR
City	ELGIN
State	SC
Zip	29045-8114
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	LOT 30 146.4X174.6X109.7X164.5 #SU WOODCREEK FARMS AREA D14 PH 2B
Legal Subdivision	WOODCREEK
Legal Tract	D14
Legal Lot Number	30,146
Jurisdiction	RICHLAND SC
Township / Civil Division	PONTIAC
Census Block Group	2
Census Block	2069
Census Tract	11407

Owner

Source: Richland County records, as of July 14, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	20 SWEETSPIRE DR, ELGIN, SC 29045-8114
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Aug 26, 2019	Deed of Trust, Mortgage · Line of Credit GUARANTEED RATE AFFINITY LLC
Aug 26, 2019	Deed of Trust, Mortgage · Line of Credit BRANCH BANKING & TR CO
Dec 5, 2018	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR
Aug 24, 2018	Grant Deed, Transfer GUARANTEED RATE AFFINITY LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 24, 2018 · Amount on Record
Deed Sale	Aug 24, 2018 · Amount on Record
Deed Document Number	201862183
Deed Book / Page	2330 / 2334
Prior Transfer Date	Oct 7, 2014
Prior Transfer Doc	1978/1085
Record Updated	Sep 20, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	20 SWEETSPIRE DR, ELGIN, SC 29045-8114
Document Number	2554/0308
Instrument Date	Nov 4, 2020
Transaction Type	Mortgage
Record Updated	Jan 21, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20 SWEETSPIRE DR ELGIN SC 290458114, ELGIN, SC 29045-8114

Mortgage

Document Number	2554/0308
Date	Nov 23, 2020
Book Page	002554/000308
Instrument	64132

Lender

Name	GUARANTEED RATE AFFINITY LLC
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 22, 2035

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	20 SWEETSPIRE DR, ELGIN, SC 29045-8114
Document Number	2426/0436
Instrument Date	Aug 26, 2019
Transaction Type	Mortgage
Record Updated	Oct 1, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20 SWEETSPIRE DR ELGIN SC 290458114, ELGIN, SC 29045-8114

Mortgage

Document Number	2426/0436
Date	Sep 5, 2019
Book Page	002426/000436
Instrument	65749

Lender

Name	GUARANTEED RATE AFFINITY LLC
Address	CHICAGO, IL 60613

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Sep 4, 2034

Interest

Rate Type	Adjustable Rate

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	20 SWEETSPIRE DR, ELGIN, SC 29045-8114
Document Number	2426/0454
Instrument Date	Aug 26, 2019
Transaction Type	Mortgage
Record Updated	Oct 1, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20 SWEETSPIRE DR ELGIN SC 290458114, ELGIN, SC 29045-8114

Mortgage

Document Number	2426/0454
Date	Sep 5, 2019
Book Page	002426/000454
Instrument	65750

Lender

Name	BRANCH BANKING & TR CO
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 4, 2044

Interest

Rate Type	Adjustable Rate

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	20 SWEETSPIRE DR, ELGIN, SC 29045-8114
Document Number	2356/1475
Instrument Date	Dec 5, 2018
Transaction Type	Mortgage
Record Updated	Jan 15, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20 SWEETSPIRE DR ELGIN SC 290458114, ELGIN, SC 29045-8114

Mortgage

Document Number	2356/1475
Date	Dec 11, 2018
Book Page	002356/001475
Instrument	89295

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Dec 10, 2043

Interest

Rate Type	Adjustable Rate

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RICHLAND SC
Recording Date	Aug 24, 2018
Property Address	20 SWEETSPIRE DR, ELGIN, SC 29045-8114
Document Number	2330/2334
Book / Page	002330 / 002334
Instrument Date	Aug 23, 2018
Instrument	62183
Transaction Type	Transfer
Record Updated	Sep 19, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,163.50
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	20 SWEETSPIRE DR ELGIN SC 290458114, ELGIN, SC 29045-8114

Mortgage

Document Number	2330/2337
Date	Aug 24, 2018
Book Page	002330/002337
Instrument	62184

Lender

Name	GUARANTEED RATE AFFINITY LLC
Address	CHICAGO, IL 60613

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 23, 2048

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	$7,822.00 (+5.69%)	$889,800 (-) Land $71,500 Building $818,300	$889,800 (-) Land $71,500 Building $818,300
2024		$889,800 (+2,487.53%) Land $71,500 Building $818,300	$889,800 (+3.5%) Land $71,500 Building $818,300
2023	$7,401.00 (-5.3%)	$34,388 (-0.01%)	$859,700 (-)
2021	$7,815.00	$34,390	$859,700 Land $65,000 Building $794,700

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
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.

Wildfire

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

Wildfire Risk	Low lower than 80% of the US · lower than 96% of South Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within 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 94 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Sweetspire Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures