230 Upper Lake Dr, Elgin, SC 29045 Property Records

Richland County property record for 230 Upper Lake Dr, Elgin, SC 29045

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,047 sqft · built 2021
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on Record
Last Sale	$60,000 (Jan 2021)
Tax Bill	$3,930 (2025)
Deeds & Mortgages	Apr 2021 Construction Loan Jan 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25813-01-15`

Property Details

APN / Parcel Number

Primary APN	`25813-01-15`
Alternative APNs	`R25813-01-15` `01910392`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,047 sqft Heated Area
Gross Area	4,437 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	10,454 sqft (0.24 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	01910392
Street Address	230 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 40 111.4X123.6X60.9X120.3 #SU BEAVER PARK PH 2 AREA D3 #PR RB2178-1797 RB1171-178
Legal Subdivision	BEAVER PARK @ WOOD CREEK
Legal Lot Number	40,111
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 21, 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	230 UPPER LAKE DR, ELGIN, SC 29045-2101
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2021	Deed of Trust, Mortgage · Construction Mortgage FIRST COMMUNITY BANK
Jan 4, 2021	Grant Deed, Transfer ATTORNEY ONLY
Jan 6, 2017	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 4, 2021 · Amount on Record
Deed Sale	Jan 4, 2021 · Amount on Record
Prior Sale	Jan 6, 2017 · Amount on Record
Deed Document Number	2021238
Deed Book / Page	2572 / 1517
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	230 UPPER LAKE DR, ELGIN, SC 29045-2101
Transaction Type	Mortgage
Record Updated	Apr 11, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0026112088
Date	Apr 28, 2021
Book Page	2611/2088
Instrument	2021025859

Lender

Name	FIRST COMMUNITY BANK
Type	Bank
Address	LEXINGTON, SC 29072

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	May 1, 2052

January 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RICHLAND SC
Recording Date	Jan 4, 2021
Property Address	230 UPPER LAKE DR, ELGIN, SC 29045-2101
Document Number	2572/1517
Book / Page	002572 / 001517
Instrument Date	Dec 30, 2020
Instrument	238
Transaction Type	Transfer
Record Updated	Mar 8, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$222.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	230 UPPER LAKE DR ELGIN SC 29045, ELGIN, SC 29045

January 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RICHLAND SC
Recording Date	Jan 6, 2017
Property Address	230 UPPER LAKE DR, ELGIN, SC 29045-2101
Document Number	2178/1794
Book / Page	002178 / 001794
Instrument Date	Jan 6, 2017
Instrument	910
Transaction Type	Transfer
Record Updated	Feb 23, 2017

Transaction

Amount	Amount Recorded
Tax	$194.25
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	230 UPPER LAKE DR ELGIN SC 29045, ELGIN, SC 29045

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	$3,930.00 (+17.45%)	$447,000 (+2,702.86%)	$544,000 (+36.44%) Land $62,500 Building $481,500
2023	$3,346.00 (+57.31%)	$15,948 (+343%)	$398,700 (+564.5%)
2021	$2,127.00	$3,600	$60,000 Land $60,000

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
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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