220 Upper Lake Dr, Elgin, SC 29045 Property Records

Richland County property record for 220 Upper Lake Dr, Elgin, SC 29045

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,309 sqft · built 2014
Lot Size	0.191 acres (8,326 sqft)
Owner	Individual Name on Record
Last Sale	$575,000 (Aug 2023)
Tax Bill	$5,055 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Aug 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25813-01-13`

Property Details

APN / Parcel Number

Primary APN	`25813-01-13`
Alternative APNs	`R25813-01-13` `01910374`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,309 sqft Heated Area
Gross Area	4,843 sqft
1st Floor Area	2,489 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,326 sqft (0.191 acres)
Garage Area	648 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	340 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	01910374
Street Address	220 UPPER LAKE DR
City	ELGIN
State	SC
Zip	29045-2101
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	LOT 42 60X120.2X60X120.2 #SU BEAVER PARK PH 2 AREA D3 #PR RB1171-178
Legal Subdivision	BEAVER PARK @ WOOD CREEK
Legal Lot Number	42,60
Jurisdiction	RICHLAND SC
Township / Civil Division	PONTIAC
Census Block Group	2
Census Block	2048
Census Tract	11407

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	Individual Name on Record
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Aug 16, 2023	Deed, Transfer
Mar 18, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 16, 2023 · Amount on Record
Deed Sale	Aug 16, 2023 · Amount on Record
Prior Sale	Dec 17, 2013 · Amount on Record
Deed Document Number	202335368
Deed Book / Page	2858 / 3363
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	220 UPPER LAKE DR, ELGIN, SC 29045-2101
Transaction Type	Mortgage
Record Updated	Apr 11, 2024
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0025933312
Date	Mar 9, 2021
Book Page	2593/3312
Instrument	2021014243

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	322 Months
Due	Jan 1, 2048

August 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	RICHLAND SC
Recording Date	Aug 16, 2023
Property Address	220 UPPER LAKE DR, ELGIN, SC 29045-2101
Document Number	0028583363
Book / Page	2858 / 3363
Map Reference	MB 2259 PG 542
Instrument Date	Aug 15, 2023
Instrument	2023035368
Transaction Type	Transfer
Record Updated	Apr 11, 2024

Transaction

Amount	Amount Recorded
Tax	$1,495.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 UPPER LAKE DR, ELGIN, SC 29045-2101

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	220 UPPER LAKE DR, ELGIN, SC 29045-2101
Document Number	2480/1541
Instrument Date	Mar 18, 2020
Transaction Type	Mortgage
Record Updated	May 12, 2020
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	220 UPPER LAKE DR ELGIN SC 290452101, ELGIN, SC 29045-2101

Mortgage

Document Number	2480/1541
Date	Mar 30, 2020
Book Page	002480/001541
Instrument	16119

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	324 Months
Due	Mar 29, 2047

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	$5,055.00 (-66.19%)	$575,000 (+3,266.51%) Land $62,500 Building $512,500	$575,000 (+34.66%) Land $62,500 Building $512,500
2023	$14,949.00 (-0.62%)	$17,080 (-)	$427,000 (-)
2022	$15,042.00
2021		$17,080 Land $2,000 Building $15,080	$427,000 Land $50,000 Building $377,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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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