221 Upper Lake Dr, Elgin, SC 29045 Property Records

Richland County property record for 221 Upper Lake Dr, Elgin, SC 29045

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,032 sqft · built 2019
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$435,000 (Sep 2019)
Tax Bill	$4,398 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Sep 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25813-02-21`

Property Details

APN / Parcel Number

Primary APN	`25813-02-21`
Alternative APNs	`R25813-02-21` `01910481`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,032 sqft Heated Area
Gross Area	3,830 sqft
1st Floor Area	2,151 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.19 acres)
Garage Area	529 sqft
Porch	Slab

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	01910481
Street Address	221 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 17 59.9X132.6X62.9X138.4 #SU BEAVER PARK PH 2 AREA D 3 #PR RB1171-178
Legal Subdivision	BEAVER PARK @ WOOD CREEK
Legal Lot Number	17,59
Jurisdiction	RICHLAND SC
Township / Civil Division	PONTIAC
Census Block Group	2
Census Block	2047
Census Tract	11407

Owner

Source: Richland County records, as of 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	221 UPPER LAKE DR, ELGIN, SC 29045-2101
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Sep 20, 2019	Grant Deed, Subdivision Related Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Feb 23, 2018	Deed of Trust, Mortgage · Line of Credit FIRST PALMETTO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 20, 2019 · Amount on Record
Deed Sale	Sep 20, 2019 · Amount on Record
Prior Sale	Feb 24, 2016 · Amount on Record
Deed Document Number	201969914
Deed Book / Page	2430 / 870
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	221 UPPER LAKE DR, ELGIN, SC 29045-2101
Document Number	2533/3391
Instrument Date	Jun 25, 2020
Transaction Type	Mortgage
Record Updated	Dec 21, 2020
Title Company	AVENUE 365 LENDER SERVICES, AVENUE 365 LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	221 UPPER LAKE DR ELGIN SC 290452101, ELGIN, SC 29045-2101

Mortgage

Document Number	2533/3391
Date	Sep 28, 2020
Book Page	002533/003391
Instrument	51067

Lender

Name	NEWREZ LLC
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 27, 2050

September 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	RICHLAND SC
Recording Date	Sep 20, 2019
Property Address	221 UPPER LAKE DR, ELGIN, SC 29045-2101
Document Number	2430/0870
Book / Page	002430 / 000870
Instrument Date	Sep 19, 2019
Instrument	69914
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 15, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,609.50
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	221 UPPER LAKE DR ELGIN SC 29045, ELGIN, SC 29045

Mortgage

Document Number	2430/0874
Date	Sep 20, 2019
Book Page	002430/000874
Instrument	69915

Lender

Name	GUARANTEED RATE AFFINITY LLC
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 19, 2049

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	221 UPPER LAKE DR, ELGIN, SC 29045-2101
Document Number	2282/3316
Instrument Date	Feb 23, 2018
Transaction Type	Mortgage
Record Updated	May 1, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	117 BEAVER RIDGE DR ELGIN SC 290458211, ELGIN, SC 29045-8211

Mortgage

Document Number	2282/3316
Date	Feb 27, 2018
Book Page	002282/003316
Instrument	11503

Lender

Name	FIRST PALMETTO BK
Type	Bank
Address	PONTIAC, SC 29045

Agreement

Type	Line of Credit
Amount	Amount Recorded

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	$4,398.00 (+17.47%)	$500,300 (+2,775.29%)	$511,100 (+17.49%) Land $62,500 Building $448,600
2023	$3,744.00 (-5.31%)	$17,400 (-)	$435,000 (-)
2021	$3,954.00	$17,400	$435,000 Land $50,000 Building $385,000

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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