Richland County property record for 205 Sapphire Gem Ln, Elgin, SC 29045
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 2,941 sqft · built 2021 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $500,000 (Jun 2023) |
| Tax Bill | $17,080 (2025) |
| Deeds & Mortgages | Jun 2023 Sale & Mortgage Aug 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 25716-04-11 |
| Primary APN | 25716-04-11 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,941 sqft Heated Area |
| Gross Area | 3,920 sqft |
| 1st Floor Area | 1,327 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,019 sqft (0.23 acres) |
| Garage Area | 660 sqft |
| Porch | Slab |
| Porch Area | 119 sqft |
| Patio Area | 200 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 02179617 |
|---|---|
| Street Address | 205 SAPPHIRE GEM LN |
| City | ELGIN |
| State | SC |
| Zip | 29045-8464 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD-R |
| Legal Description | LOT 10 77.8X127.2X69.4X153.8 #SU THE COTTAGES @ WOODCREEK #PR RB2502-3415 |
| Legal Subdivision | WOODCREEK |
| Legal Lot Number | 10,77 |
| Jurisdiction | RICHLAND SC |
| Township / Civil Division | PONTIAC |
| Census Block Group | 2 |
| Census Block | 2079 |
| Census Tract | 11407 |
Source: Richland County records, as of July 14, 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 Record |
|---|---|
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 8, 2023 | Deed, Transfer · Loan Assumption FLAGSTAR BANK FSB |
| Aug 18, 2021 | Limited Warranty Deed, Subdivision Related Transfer · VA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 8, 2023 · Amount on Record |
| Deed Sale | Jun 8, 2023 · Amount on Record |
| Prior Sale | Aug 18, 2021 · Amount on Record |
| Deed Document Number | 202323961 |
| Deed Book / Page | 2841 / 3299 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Jun 8, 2023 |
| Property Address | 205 SAPPHIRE GEM LN, ELGIN, SC 29045-8464 |
| Document Number | 0028413299 |
| Book / Page | 2841 / 3299 |
| Map Reference | MB 2502 PG 3415 |
| Instrument Date | Jun 2, 2023 |
| Instrument | 2023023961 |
| Transaction Type | Transfer |
| Record Updated | Apr 11, 2024 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,300.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 205 SAPPHIRE GEM LN, ELGIN, SC 29045-8464 |
| Document Number | 0028413303 |
|---|---|
| Date | Jun 8, 2023 |
| Book Page | 2841/3303 |
| Instrument | 2023023962 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Loan Assumption |
|---|---|
| Amount | Amount Recorded |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Aug 18, 2021 |
| Property Address | 205 SAPPHIRE GEM LN, ELGIN, SC 29045-8464 |
| Document Number | 0026551678 |
| Book / Page | 2655 / 1678 |
| Map Reference | MB 2502 PG 3415 |
| Instrument Date | Aug 12, 2021 |
| Instrument | 2021055240 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Apr 11, 2024 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,572.50 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 205 SAPPHIRE GEM LN, ELGIN, SC 29045-8464 |
| Document Number | 2021055241 |
|---|---|
| Date | Aug 18, 2021 |
| Instrument | 2021055241 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
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 | $17,080.00 (+366.79%) | $500,000 (+2,841.87%) Land $71,500 Building $428,500 | $500,000 (+17.67%) Land $71,500 Building $428,500 |
| 2023 | $3,659.00 (+58.74%) | $16,996 (+335.79%) | $424,900 (+553.69%) |
| 2021 | $2,305.00 | $3,900 | $65,000 Land $65,000 |
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 | Moderate above 40% of the US · lower than 78% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
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 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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