209 Upper Lake Dr, Elgin, SC 29045 Property Records

Richland County property record for 209 Upper Lake Dr, Elgin, SC 29045

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,903 sqft · built 2021
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on Record
Last Sale	$700,000 (Jul 2026)
Tax Bill	$20,194 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jan 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`25813-02-18`

Property Details

APN / Parcel Number

Primary APN	`25813-02-18`
Alternative APNs	`R25813-02-18` `01910454`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,903 sqft Heated Area
Gross Area	4,752 sqft
1st Floor Area	2,695 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,148 sqft (0.21 acres)
Garage Area	612 sqft
Porch	Slab

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	01910454
Street Address	209 UPPER LAKE DR
City	ELGIN
State	SC
Zip	29045-2101
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PDD
Legal Description	LOT 20 59.7X141.3X73.1X135.2 #SU BEAVER PARK PH 2 AREA D 3 #PR RB2578-1515 RB1171-178
Legal Subdivision	BEAVER PARK @ WOOD CREEK
Legal Lot Number	20,59
Jurisdiction	RICHLAND SC
Township / Civil Division	PONTIAC
Census Block Group	2
Census Block	2047
Census Tract	11407

Owner

Source: Richland County records, as of August 10, 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	209 UPPER LAKE DR, ELGIN, SC 29045-2101
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2026	Deed, Transfer · Conventional Mortgage SOUTH STATE BANK
Jan 22, 2021	Warranty Deed, Subdivision Related Transfer · VA Mortgage CARDINAL FIN'L
Nov 4, 2019	Trustee's Deed, Construction Loan · Line of Credit FIRST PALMETTO BK
Jul 13, 2018	Warranty Deed, Transfer · Line of Credit FIRST PALMETTO BK
Nov 9, 2017	Grant Deed, Mortgage · Line of Credit ENTERPRISE BK/SC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2026 · Amount on Record
Deed Sale	Jul 30, 2026 · Amount on Record
Prior Sale	Jan 22, 2021 · Amount on Record
Deed Document Number	202637874
Deed Book / Page	3152 / 2877
Record Updated	Sep 20, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	RICHLAND SC
Recording Date	Jul 30, 2026
Property Address	209 UPPER LAKE DR, ELGIN, SC 29045-2101
Document Number	0000037874
Book / Page	3152 / 2877
Instrument Date	Jul 25, 2026
Instrument	202637874
Transaction Type	Transfer
Record Updated	Aug 10, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$183,820.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	209 UPPER LAKE DR, ELGIN, SC 29045-2101

Mortgage

Document Number	0000037875,
Date	Jul 30, 2026
Instrument	202637875

Lender

Name	SOUTH STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.47%
Initial Type	Fixed Rate
Max Rate	-1%

January 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	RICHLAND SC
Recording Date	Jan 22, 2021
Property Address	209 UPPER LAKE DR, ELGIN, SC 29045-2101
Document Number	2578/1516
Book / Page	002578 / 001516
Instrument Date	Jan 15, 2021
Instrument	3995
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 19, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,902.00
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	209 UPPER LAKE DR ELGIN SC 290452101, ELGIN, SC 29045-2101

Mortgage

Document Number	2578/1520
Date	Jan 22, 2021
Book Page	002578/001520
Instrument	3996

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 21, 2051

November 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	RICHLAND SC
Recording Date	Nov 4, 2019
Property Address	209 UPPER LAKE DR, ELGIN, SC 29045-2101
Book / Page	002442 / 003644
Instrument Date	Oct 30, 2019
Instrument	83010
Transaction Type	Construction Loan
Record Updated	Dec 5, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	161 PONTIAC BUSINESS CENTER DR #1020 ELGIN SC 290457123, 1020, ELGIN, SC 29045-7123

Mortgage

Document Number	2442/3644
Date	Nov 4, 2019
Book Page	002442/003644
Instrument	83010

Lender

Name	FIRST PALMETTO BK
Type	Bank
Address	CAMDEN, SC 29020

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Nov 3, 2020

Interest

Rate Type	Adjustable Rate

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RICHLAND SC
Recording Date	Jul 13, 2018
Property Address	209 UPPER LAKE DR, ELGIN, SC 29045-2101
Document Number	2319/1006
Book / Page	002319 / 001006
Instrument Date	Jun 18, 2018
Instrument	49395
Transaction Type	Transfer
Record Updated	Aug 21, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$185.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	161 PONTIAC BUSINESS CENTER DR ELGIN SC 290457123, ELGIN, SC 29045-7123
Investor	Possibly a Property Investor

Mortgage

Document Number	2319/1010
Date	Jul 13, 2018
Book Page	002319/001010
Instrument	49396

Lender

Name	FIRST PALMETTO BK
Type	Bank
Address	CAMDEN, SC 29020

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

November 2017: Grant Deed, Mortgage

Document Type	Grant Deed
Jurisdiction	RICHLAND SC
Recording Date	Nov 9, 2017
Property Address	209 UPPER LAKE DR, ELGIN, SC 29045-2101
Book / Page	002258 / 003362
Instrument Date	Nov 9, 2017
Instrument	85601
Transaction Type	Mortgage
Record Updated	Jan 3, 2018

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1712 WOODCREEK FARMS RD ELGIN SC 290458755, ELGIN, SC 29045-8755

Mortgage

Document Number	2258/3362
Date	Nov 9, 2017
Book Page	002258/003362
Instrument	85601

Lender

Name	ENTERPRISE BK/SC
Type	Bank
Address	13497 BROXTON BRIDGE RD, EHRHARDT, SC 29081-9602

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	36 Months
Due	Nov 8, 2020

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
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	$20,194.00	$591,100 (+2,775%)	$612,600 (+19.18%) Land $62,500 Building $550,100
2023		$20,560 (+585.33%)	$514,000 (+928%)
2022	$9,372.00 (+428.6%)
2021	$1,773.00	$3,000	$50,000 Land $50,000

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
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 67% of the US · lower than 94% of South Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 124 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.

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