208 Sapphire Gem Ln, Elgin, SC 29045 Property Records

Richland County property record for 208 Sapphire Gem Ln, Elgin, SC 29045 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,048 sqft · built 2023
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on File
Last Sale	$685,000 (Jun 2023)
Tax Bill	$6,022 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Aug 2022 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`25716-04-15`

Property Details

APN / Parcel Number

Primary APN	`25716-04-15`
Alternative APNs	`R25716-04-15` `02179653`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	2,048 sqft Heated Area
Flooring	Wood

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Lot Area	11,761 sqft (0.27 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	02179653
Street Address	208 SAPPHIRE GEM LN
City	ELGIN
State	SC
Zip	29045-8463
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 14 70X172.1X60.2X9.4X170.8 #SU THE COTTAGES @ WOODCREEK #PR RB2502-3415
Legal Subdivision	WOODCREEK
Legal Lot Number	14,70
Jurisdiction	RICHLAND SC
Township / Civil Division	PONTIAC
Census Block Group	2
Census Block	2079
Census Tract	11407

Owner

Source: Richland County records · APN 25716-04-15

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	2 Individual Names on File
Mailing Address	208 SAPPHIRE GEM LN, ELGIN, SC 29045-8463
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2021	Deed of Trust, Mortgage TK SHORE ROAD HOLDINGS LLC
Aug 10, 2022	Deed of Trust, Mortgage · Construction Mortgage SECURITY FEDERAL BANK
Jun 23, 2023	Deed, Subdivision Related Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 04, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage SECURITY FEDERAL BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 23, 2023 · Amount on Record
Deed Sale	Jun 23, 2023 · Amount on Record
Prior Sale	Oct 04, 2021 · Amount on Record
Deed Document Number	202326433
Deed Book / Page	2845 / 2108
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	208 SAPPHIRE GEM LN, ELGIN, SC 29045-8463
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

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	208 SAPPHIRE GEM LN, ELGIN, SC 29045-8463
Transaction Type	Mortgage
Record Updated	Apr 11, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	51 SHORELINE DR, COLUMBIA, SC 29229-7300

Mortgage

Document Number	0027692903
Date	Aug 10, 2022
Book Page	2769/2903
Instrument	2022045252

Lender

Name	SECURITY FEDERAL BANK
Type	Bank
Address	AIKEN, SC 29802

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Aug 05, 2023

Interest

Rate Type	Adjustable Rate

June 2023: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	RICHLAND SC
Recording Date	Jun 23, 2023
Property Address	208 SAPPHIRE GEM LN, ELGIN, SC 29045-8463
Document Number	0028452108
Book / Page	2845 / 2108
Map Reference	MB 2502 PG 3415
Instrument Date	Jun 21, 2023
Instrument	2023026433
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 11, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,781.00
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 SAPPHIRE GEM LN, ELGIN, SC 29045-8463
Investor	Possibly a Property Investor

Mortgage

Document Number	2023026434
Date	Jun 23, 2023
Instrument	2023026434

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2053

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RICHLAND SC
Recording Date	Oct 04, 2021
Property Address	208 SAPPHIRE GEM LN, ELGIN, SC 29045-8463
Document Number	0026723209
Book / Page	2672 / 3209
Map Reference	MB 2502 PG 3415
Instrument Date	Sep 29, 2021
Instrument	2021066412
Transaction Type	Transfer
Record Updated	Apr 11, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$481.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	51 SHORELINE DR, COLUMBIA, SC 29229-7300

Mortgage

Document Number	2021066413
Date	Oct 04, 2021
Instrument	2021066413

Lender

Name	SECURITY FEDERAL BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Sep 30, 2022

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	$6,022.00 (+4,232.37%)		$685,000 (+4,102.45%) Land $77,000 Building $608,000
2023	$139.00 (-75.83%)		$16,300 (-)
2022	$575.00 (-0.69%)
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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