208 Gibbs Rd, Elgin, SC 29045 Property Records

Richland County property record for 208 Gibbs Rd, Elgin, SC 29045

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,626 sqft · built 1977
Lot Size	13.8 acres (603,306 sqft)
Owner	2 Individual Names on Record
Last Sale	$725,000 (Sep 2025)
Tax Bill	$2,038 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Aug 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`26105-03-05`

Property Details

APN / Parcel Number

Primary APN	`26105-03-05`
Alternative APNs	`R26105-03-05` `00876877`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,626 sqft Heated Area
Gross Area	3,275 sqft
1st Floor Area	1,456 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	603,306 sqft (13.8 acres)
Garage Type	Detached
Parking Spaces	10 Parking Spaces

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Porch	Slab
Porch Area	69 sqft
Patio Area	571 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	00876877
Street Address	208 GIBBS RD
City	ELGIN
State	SC
Zip	29045-9668
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU
Legal Description	#SU #PR Z-699
Jurisdiction	RICHLAND SC
Township / Civil Division	PONTIAC
Census Block Group	1
Census Block	1000
Census Tract	11425

Owner

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	2 Individual Names on Record
Mailing Address	208 GIBBS RD, ELGIN, SC 29045-9668
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2025	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Aug 16, 2018	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2025 · Amount on Record
Deed Sale	Sep 25, 2025 · Amount on Record
Prior Sale	Jan 23, 2008 · Amount on Record
Deed Document Number	202545728
Deed Book / Page	3059 / 1050
Record Updated	Oct 29, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RICHLAND SC
Recording Date	Sep 25, 2025
Property Address	208 GIBBS RD, ELGIN, SC 29045-9668
Document Number	0030591050
Book / Page	3059 / 1050
Map Reference	MB 1394 PG 1620
Instrument Date	Sep 24, 2025
Instrument	2025045728
Transaction Type	Transfer
Record Updated	Oct 8, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,885.00
Amount Accuracy	Verified / From Affidavit
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	208 GIBBS RD, ELGIN, SC 29045-9668

Mortgage

Document Number	2025045729
Date	Sep 25, 2025
Instrument	2025045729

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	208 GIBBS RD, ELGIN, SC 29045-9668
Document Number	2329/3076
Instrument Date	Aug 16, 2018
Transaction Type	Mortgage
Record Updated	Sep 19, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	208 GIBBS RD SC, SC

Mortgage

Document Number	2329/3076
Date	Aug 22, 2018
Book Page	002329/003076
Instrument	60966

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 21, 2043

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Richland County assessment roll, as of July 14, 2026

Property Jurisdictions

Type	Name
State	South Carolina
County	Richland County
Unified School District	Richland School District 2 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,038.00 (+13.85%)	$196,400 (+2,771.35%)	$251,400 (+47.02%) Land $16,100 Building $235,300
2023	$1,790.00 (+0.67%)	$6,840 (-0.58%)	$171,000 (-47.14%)
2021	$1,778.00	$6,880	$323,500 Land $133,700 Building $189,800

Assessed value is set for property tax purposes, not a market price estimate; it is 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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 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	Moderate above 42% of the US · lower than 70% of South Carolina
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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 104 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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