201 Sapphire Gem Ln, Elgin, SC 29045 Property Records

Richland County property record for 201 Sapphire Gem Ln, Elgin, SC 29045 · Last verified July 2026

Property Summary

Property Type	Planned Unit Development
Details	5 bd · 3 ba · 2,704 sqft
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on File
Last Sale	$469,900 (Mar 2024)
Tax Bill	$4,132 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Jul 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`25716-04-12`

Property Details

APN / Parcel Number

Primary APN	`25716-04-12`
Alternative APNs	`R25716-04-12` `02179626`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Building Area	2,704 sqft Living Area
Flooring	Wood

Exterior

Lot Area	10,890 sqft (0.25 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	02179626
Street Address	201 SAPPHIRE GEM LN
City	ELGIN
State	SC
Zip	29045-8464
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Planned Unit Development
Legal Description	LOT 11 25X75.2X125.9X15.2X12.7X33.9X20.7X127.2 #SU THE COTTAGES @ WOODCREEK
Legal Subdivision	WOODCREEK
Legal Lot Number	11,25
Jurisdiction	RICHLAND SC
Township / Civil Division	PONTIAC
Census Block Group	2
Census Block	2079
Census Tract	11407

Owner

Source: Richland County records · APN 25716-04-12

Assessment roll updated July 14, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	201 SAPPHIRE GEM LN, ELGIN, SC 29045-8464
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2021	Deed of Trust, Mortgage TK SHORE ROAD HOLDINGS LLC
Jul 20, 2023	Deed of Trust, Mortgage · Line of Credit FIRST PALMETTO BANK
Mar 22, 2024	Deed, Subdivision Related Transfer · FHA Mortgage FIRST PALMETTO BANK
Jul 17, 2023	Warranty Deed, Transfer · Line of Credit FIRST PALMETTO BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 22, 2024 · Amount on Record
Deed Sale	Mar 22, 2024 · Amount on Record
Prior Sale	Jul 17, 2023 · Amount on Record
Deed Document Number	202412528
Deed Book / Page	2909 / 2502
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	201 SAPPHIRE GEM LN, ELGIN, SC 29045-8464
Transaction Type	Mortgage
Record Updated	Apr 11, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0025990527
Date	Mar 19, 2021
Book Page	2599/527
Instrument	2021017518

Lender

Name	TK SHORE ROAD HOLDINGS LLC
Type	Non-Lending Institution
Address	LEXINGTON, SC 29072

Agreement

Amount	Amount Recorded
Term	7 Months
Due	Oct 29, 2021

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	201 SAPPHIRE GEM LN, ELGIN, SC 29045-8464
Transaction Type	Mortgage
Record Updated	Apr 11, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1712 WOODCREEK FARMS RD, ELGIN, SC 29045-8755

Mortgage

Document Number	0028520257
Date	Jul 20, 2023
Book Page	2852/257
Instrument	2023030726

Lender

Name	FIRST PALMETTO BANK
Type	Bank
Address	CAMDEN, SC 29020

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Jul 14, 2024

March 2024: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	RICHLAND SC
Recording Date	Mar 22, 2024
Property Address	201 SAPPHIRE GEM LN, ELGIN, SC 29045-8464
Document Number	0029092502
Book / Page	2909 / 2502
Instrument Date	Mar 22, 2024
Instrument	2024012528
Transaction Type	Subdivision Related Transfer
Record Updated	May 06, 2024

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	201 SAPPHIRE GEM LN, ELGIN, SC 29045-8464

Mortgage

Document Number	2024012529
Date	Mar 22, 2024
Instrument	2024012529

Lender

Name	FIRST PALMETTO BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2054

Mortgage

Document Number	0029092505
Date	Mar 22, 2024
Book Page	2909/2505
Instrument	2024012529

Lender

Name	FIRST PALMETTO BANK
Type	Bank
Address	2530 DEVINE ST, COLUMBIA, SC 29205

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2054

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RICHLAND SC
Recording Date	Jul 17, 2023
Property Address	201 SAPPHIRE GEM LN, ELGIN, SC 29045-8464
Document Number	0028510251
Book / Page	2851 / 251
Map Reference	MB 2502 PG 3415
Instrument Date	Jul 14, 2023
Instrument	2023030010
Transaction Type	Transfer
Record Updated	Apr 11, 2024

Transaction

Amount	Amount Recorded
Tax	$156.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1712 WOODCREEK FARMS RD, ELGIN, SC 29045-8755

Mortgage

Document Number	0028510254
Date	Jul 17, 2023
Book Page	2851/254
Instrument	2023030011

Lender

Name	FIRST PALMETTO BANK
Type	Bank
Address	CAMDEN, SC 29020

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Jul 14, 2024

Tax Assessment & Valuation

Source: Richland County records · Assessment roll updated July 14, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,132.00 (+623.64%)		$469,900 (+2,782.82%) Land $71,500 Building $398,400
2023	$571.00 (-1.38%)		$16,300 (-)
2021	$579.00	$980	$16,300 Land $16,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Richland County (45079C), updated September 13, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 450790114072, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 31 individual NFIP policies nearby
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, rainfall accumulation, Severe Storms And Flooding

Wildfire

Wildfire Risk	Moderate above 40% of the US · above 21% of South Carolina
Wildfire Likelihood	About 1 in 2,500 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 87 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: T-Mobile USA, AT&T, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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