234 Palm Sedge Loop, Elgin, SC 29045 Property Records

Richland County property record for 234 Palm Sedge Loop, Elgin, SC 29045

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,814 sqft · built 2016
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on Record
Last Sale	$387,867 (Jul 2016)
Deeds & Mortgages	Oct 2020 Mortgage Nov 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28911-05-03`

Property Details

APN / Parcel Number

Primary APN	`28911-05-03`
Alternative APNs	`R28911-05-03` `02093148`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,814 sqft Heated Area
Gross Area	4,838 sqft
1st Floor Area	1,667 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	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	15,682 sqft (0.36 acres)
Garage Area	651 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	373 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	02093148
Street Address	234 PALM SEDGE LOOP
City	ELGIN
State	SC
Zip	29045-8000
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	LOT 3 105X150X105X150 #SU CROSSING @WOODCREEK PH 1&2 #PR RB1990-2759/2760
Legal Subdivision	WOODCREEK CROSSING
Legal Lot Number	3,105
Jurisdiction	RICHLAND SC
Township / Civil Division	PONTIAC
Census Block Group	2
Census Block	2073
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	234 PALM SEDGE LOOP, ELGIN, SC 29045-8000
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2020	Deed of Trust, Mortgage · VA Mortgage NEW AMERICAN FNDG
Nov 5, 2019	Deed of Trust, Mortgage · VA Mortgage NEW AMERICAN FNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 5, 2016 · Amount on Record
Deed Sale	Jul 5, 2016 · Amount on Record
Deed Document Number	201648662
Deed Book / Page	2126 / 3522
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	234 PALM SEDGE LOOP, ELGIN, SC 29045-8000
Document Number	2551/2870
Instrument Date	Oct 26, 2020
Transaction Type	Mortgage
Record Updated	Jan 15, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	234 PALM SEDGE LOOP ELGIN SC 290458000, ELGIN, SC 29045-8000

Mortgage

Document Number	2551/2870
Date	Nov 15, 2020
Book Page	002551/002870
Instrument	62518

Lender

Name	NEW AMERICAN FNDG
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 14, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	234 PALM SEDGE LOOP, ELGIN, SC 29045-8000
Document Number	2445/1978
Instrument Date	Nov 5, 2019
Transaction Type	Mortgage
Record Updated	Dec 10, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	234 PALM SEDGE LOOP ELGIN SC 290458000, ELGIN, SC 29045-8000

Mortgage

Document Number	2445/1978
Date	Nov 13, 2019
Book Page	002445/001978
Instrument	85241

Lender

Name	NEW AMERICAN FNDG
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 12, 2049

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	Assessed Market Value
2025	$524,300 (+47.19%) Land $81,000 Building $443,300
2023	$356,200 Land $60,000 Building $296,200

Assessed market value is set for property tax purposes and is not a market price estimate.

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 80% of the US · lower than 96% 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 187 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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