23 Beaver Lake Ct, Elgin, SC 29045 Property Records

Richland County property record for 23 Beaver Lake Ct, Elgin, SC 29045

Property Summary

Property Type	Single Family Home
Details	6 bd · 6 ba · 6,645 sqft · built 2018
Lot Size	0.319 acres (13,905 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,486,000 (Apr 2025)
Tax Bill	$10,717 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Mar 2023 Sale & Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`28901-03-21`

Property Details

APN / Parcel Number

Primary APN	`28901-03-21`
Alternative APNs	`R28901-03-21` `01499587`

Interior

Bedrooms	6 Beds
Full Baths	6 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	6,645 sqft Heated Area
Gross Area	8,788 sqft
1st Floor Area	3,835 sqft
Upper Floors Area	2,510 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,905 sqft (0.319 acres)
Garage Area	1,332 sqft
Porch	Open Porch
Porch Area	383 sqft
Patio Area	36 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	01499587
Street Address	23 BEAVER LAKE CT
City	ELGIN
State	SC
Zip	29045-8662
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	LOT P8 BLK D4A 41.2X171.2X167.1X140.9 #SU WOODCREEK FARMS #PR 56-4116
Legal Subdivision	WOODCREEK
Legal Block	D4A
Legal Lot Number	8
Jurisdiction	RICHLAND SC
Township / Civil Division	PONTIAC
Census Block Group	2
Census Block	2045
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	23 BEAVER LAKE CT, ELGIN, SC 29045-8662
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2023	Deed of Trust, Mortgage · Line of Credit SECURITY FEDERAL BANK
Mar 17, 2023	Warranty Deed, Transfer · Conventional Mortgage SECURITY FEDERAL BANK
Jun 16, 2020	Deed of Trust, Mortgage · Line of Credit TCF NAT'L BK
Jun 16, 2020	Deed of Trust, Mortgage · Conventional with PMI CARDINAL FIN'L
May 12, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Jun 14, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST PALMETTO BK
Apr 28, 2017	Deed of Trust, Mortgage FIRST PALMETTO BK
May 25, 2016	Deed of Trust, Mortgage

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 3, 2025 · Amount on Record
Deed Sale	Apr 3, 2025 · Amount on Record
Prior Sale	Mar 17, 2023 · Amount on Record
Deed Document Number	202514839
Deed Book / Page	3007 / 3333
Prior Transfer Date	Mar 14, 2023
Prior Transfer Doc	0028213847
Record Updated	Sep 20, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	23 BEAVER LAKE CT, ELGIN, SC 29045-8662
Transaction Type	Mortgage
Record Updated	Apr 11, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0028533954
Date	Jul 28, 2023
Book Page	2853/3954
Instrument	2023032102

Lender

Name	SECURITY FEDERAL BANK
Type	Bank
Address	AIKEN, SC 29802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 21, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RICHLAND SC
Recording Date	Mar 17, 2023
Property Address	23 BEAVER LAKE CT, ELGIN, SC 29045-8662
Document Number	0028213847
Book / Page	2821 / 3847
Map Reference	MB 56 PG 4116
Instrument Date	Mar 14, 2023
Instrument	2023010716
Transaction Type	Transfer
Record Updated	Apr 11, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,682.20
Amount Accuracy	Verified / From Affidavit

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 BEAVER LAKE CT, ELGIN, SC 29045-8662

Mortgage

Document Number	2023010717
Date	Mar 17, 2023
Instrument	2023010717

Lender

Name	SECURITY FEDERAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Apr 1, 2033
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	10.7%
Index	1-Year T-Bill
Max Rate	10.7%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	23 BEAVER LAKE CT, ELGIN, SC 29045-8662
Document Number	2507/1885
Instrument Date	Jun 16, 2020
Transaction Type	Mortgage
Record Updated	Sep 7, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 BEAVER LAKE CT ELGIN SC 290458662, ELGIN, SC 29045-8662

Mortgage

Document Number	2507/1885
Date	Jul 10, 2020
Book Page	002507/001885
Instrument	33961

Lender

Name	TCF NAT'L BK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 9, 2050

Interest

Rate Type	Adjustable Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	23 BEAVER LAKE CT, ELGIN, SC 29045-8662
Document Number	2507/1866
Instrument Date	Jun 16, 2020
Transaction Type	Mortgage
Record Updated	Sep 7, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 BEAVER LAKE CT ELGIN SC 290458662, ELGIN, SC 29045-8662

Mortgage

Document Number	2507/1866
Date	Jul 10, 2020
Book Page	002507/001866
Instrument	33960

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 9, 2050

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	RICHLAND SC
Recording Date	May 12, 2020
Property Address	23 BEAVER LAKE CT, ELGIN, SC 29045-8662
Document Number	2487/3529
Book / Page	002487 / 003529
Instrument Date	Apr 20, 2020
Instrument	20823
Transaction Type	Transfer
Record Updated	Jun 24, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 BEAVER LAKE CT ELGIN SC 290458662, ELGIN, SC 29045-8662

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	23 BEAVER LAKE CT, ELGIN, SC 29045-8662
Document Number	2403/3885
Instrument Date	Jun 14, 2019
Transaction Type	Mortgage
Record Updated	Aug 2, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	23 BEAVER LAKE CT ELGIN SC 290458662, ELGIN, SC 29045-8662

Mortgage

Document Number	2403/3885
Date	Jun 21, 2019
Book Page	002403/003885
Instrument	44464

Lender

Name	FIRST PALMETTO BK
Type	Bank
Address	CAMDEN, SC 29020

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 20, 2029

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	23 BEAVER LAKE CT, ELGIN, SC 29045-8662
Document Number	2208/2341
Book / Page	002208 / 002341
Instrument Date	Apr 28, 2017
Transaction Type	Mortgage
Record Updated	Jul 18, 2017

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	23 BEAVER LAKE CT ELGIN SC 29045, ELGIN, SC 29045
Investor	Possibly a Property Investor

Mortgage

Document Number	2208/2341
Date	May 5, 2017
Book Page	002208/002341
Instrument	33182

Lender

Name	FIRST PALMETTO BK
Type	Bank
Address	CAMDEN, SC 29020

Agreement

Amount	Amount Recorded

May 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	23 BEAVER LAKE CT, ELGIN, SC 29045-8662
Document Number	2217/2958
Book / Page	002217 / 002958
Instrument Date	May 25, 2016
Transaction Type	Mortgage
Record Updated	Jul 31, 2017

Transferred To (Grantee/Buyer)

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

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	$10,717.00 (+45.81%)	$34,148 (-97.2%)	$1,219,000 (-) Land $110,000 Building $1,109,000
2024		$1,219,000 (+3,469.76%) Land $110,000 Building $1,109,000	$1,219,000 (+42.79%) Land $110,000 Building $1,109,000
2023	$7,350.00 (-5.28%)	$34,148 (-0.01%)	$853,700 (-)
2021	$7,760.00	$34,150	$853,700 Land $100,000 Building $753,700

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 100 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 93% of the US · lower than 98% of South Carolina
Wildfire Likelihood	0.02% 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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