Richland County property record for 25 Spears Ct, Elgin, SC 29045 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,800 sqft · built 2005 |
| Lot Size | 0.09 acres (3,958 sqft) |
| Owner | Individual Name on File |
| Last Sale | $127,675 (Dec 2005) |
| Tax Bill | $1,691 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 25810-02-21 |
| Primary APN | 25810-02-21 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,800 sqft Heated Area |
| Gross Area | 2,157 sqft |
| 1st Floor Area | 772 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Contemporary |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 3,958 sqft (0.09 acres) |
| Garage Area | 253 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 104 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 01805719 |
|---|---|
| Street Address | 25 SPEARS CT |
| City | ELGIN |
| State | SC |
| Zip | 29045-8261 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 81 45.2X80.3X45.3X80.6 #SU SPEARS CREEK VILLAGE PH I #PR RB970-3129 |
| Legal Subdivision | SPEARS CREEK VILLAGE |
| Legal Lot Number | 45,81 |
| Jurisdiction | RICHLAND SC |
| Township / Civil Division | PONTIAC |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 11414 |
Source: Richland County records · APN 25810-02-21
Assessment roll updated July 14, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 25 SPEARS CT, ELGIN, SC 29045-8261 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 09, 2005 · Amount on Record |
| Deed Sale | Dec 09, 2005 · Amount on Record |
| Deed Document Number | 2005101423 |
| Deed Book / Page | 1129 / 2034 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Jul 20, 2026 |
| Property Address | 25 SPEARS CT, ELGIN, SC 29045-8261 |
| Document Number | 0000035712 |
| Book / Page | 3149 / 170 |
| Instrument Date | Jun 30, 2026 |
| Instrument | 202635712 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 25 SPEARS CT, ELGIN, SC 29045-8261 |
| Document Number | 0000035712, |
|---|---|
| Date | Jul 20, 2026 |
| Book Page | 3149/170 |
| Instrument | 202635712 |
| Name | SC STATE FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.48% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
Source: Richland County records · Assessment roll updated July 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | South Carolina |
| County | Richland County |
| Unified School District | Richland School District 2 (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,691.00 (+13.87%) | $156,900 (+2,775.73%) | $217,800 (+59.68%) Land $34,000 Building $183,800 |
| 2023 | $1,485.00 (+1.3%) | $5,456 (-0.07%) | $136,400 (-) |
| 2021 | $1,466.00 | $5,460 | $136,400 Land $24,000 Building $112,400 |
Source: FEMA National Flood Hazard Layer, Richland County (45079C), updated September 13, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 450790114141, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 9 in force |
| Wildfire Risk | Low above 5% of the US · above 2% of South Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 217 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| AT&T | DSL | 100 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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