224 Gibbs Rd, Elgin, SC 29045 Property Records

Richland County property record for 224 Gibbs Rd, Elgin, SC 29045

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,995 sqft · built 2016
Lot Size	1.64 acres (71,438 sqft)
Owner	Individual Name on Record
Tax Bill	$399 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Dec 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26105-03-17`

Property Details

APN / Parcel Number

Primary APN	`26105-03-17`
Alternative APNs	`R26105-03-17` `02108622`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,995 sqft Heated Area
Gross Area	2,736 sqft
1st Floor Area	1,995 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Conventional
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	71,438 sqft (1.64 acres)
Garage Area	363 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	162 sqft
Patio Area	216 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	02108622
Street Address	224 GIBBS RD
City	ELGIN
State	SC
Zip	29045-9668
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU
Legal Description	266X361.5X252X240.2X419.6X582.1X177.8X270.3 #SU #PR RB1833-2321; RB2819-3282
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	Individual Name on Record
Mailing Address	224 GIBBS RD, ELGIN, SC 29045-9668
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2025	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Dec 12, 2023	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Aug 29, 2022	Deed of Trust, Mortgage · VA Mortgage RIVER CITY MORTGAGE LLC
Jun 23, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	224 GIBBS RD, ELGIN, SC 29045-9668
Transaction Type	Mortgage
Record Updated	Nov 13, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 GIBBS RD, ELGIN, SC 29045-9668

Mortgage

Document Number	0030691682
Date	Oct 29, 2025
Book Page	3069/1682
Instrument	2025051798

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	224 GIBBS RD, ELGIN, SC 29045-9668
Transaction Type	Mortgage
Record Updated	Apr 11, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 GIBBS RD, ELGIN, SC 29045-9668

Mortgage

Document Number	0028851878
Date	Dec 12, 2023
Book Page	2885/1878
Instrument	2023053270

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	224 GIBBS RD, ELGIN, SC 29045-9668
Transaction Type	Mortgage
Record Updated	Apr 11, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0027743007
Date	Aug 29, 2022
Book Page	2774/3007
Instrument	2022048781

Lender

Name	RIVER CITY MORTGAGE LLC
Type	Mortgage Company
Address	CINCINNATI, OH 45242

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	224 GIBBS RD, ELGIN, SC 29045-9668
Document Number	2507/3162
Instrument Date	Jun 23, 2020
Transaction Type	Mortgage
Record Updated	Sep 7, 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	224 GIBBS RD ELGIN SC 290459668, ELGIN, SC 29045-9668

Mortgage

Document Number	2507/3162
Date	Jul 12, 2020
Book Page	002507/003162
Instrument	34194

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Jul 11, 2048

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	$399.00 (+8.42%)		$373,500 (+65.59%) Land $72,000 Building $301,500
2023	$368.00 (+13.93%)		$225,560 (-0.02%) Land $14,760 Building $210,800
2021	$323.00	$9,024 Land $592 Building $8,432	$225,600 Land $14,800 Building $210,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
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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