Kershaw County property record for 2728 Bowen St, Elgin, SC 29045
| Property Type | Single Family Home |
|---|---|
| Details | 4,570 sqft · built 2024 |
| Lot Size | 2.16 acres (94,090 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,631 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage Dec 2024 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 334-00-00-120 |
| Primary APN | 334-00-00-120 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 4,570 sqft Gross Area |
| Year Built | Built 2024 |
|---|---|
| Exterior Material | Vinyl |
| Roof Material | Composition Shingle |
| Lot Area | 94,090 sqft (2.16 acres) |
| Account Number | 739 |
|---|---|
| Street Address | 2728 BOWEN ST |
| City | ELGIN |
| State | SC |
| Zip | 29045-9875 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 3 |
| Legal Lot Number | 3 |
| Jurisdiction | KERSHAW SC |
| Township / Civil Division | ELGIN |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 970909 |
Source: Kershaw County records, as of November 6, 2025
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 2728 BOWEN ST, ELGIN, SC 29045-9875 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 15, 2026 | Deed of Trust, Mortgage · Conventional Mortgage OCMBC INC |
| Dec 16, 2024 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO |
| Jan 29, 2025 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jan 29, 2025 |
| Transfer Doc | 0002025699 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KERSHAW SC |
| Recording Date | Sep 15, 2026 |
| Property Address | 2728 BOWEN ST, ELGIN, SC 29045-9875 |
| Document Number | 0000008830 |
| Book / Page | 5677 / 293 |
| Instrument Date | Sep 8, 2026 |
| Instrument | 20268830 |
| Transaction Type | Mortgage |
| Record Updated | Sep 23, 2026 |
| Title Company | COOPERATIVE TITLE LLC, COOPERATIVE TITLE |
| Name | Verified Name |
|---|---|
| Address | 2728 BOWEN ST, ELGIN, SC 29045-9875 |
| Document Number | 0000008830, |
|---|---|
| Date | Sep 15, 2026 |
| Book Page | 5677/293 |
| Instrument | 20268830 |
| Name | OCMBC INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KERSHAW SC |
| Property Address | 2728 BOWEN ST, ELGIN, SC 29045-9875 |
| Transaction Type | Mortgage |
| Record Updated | Nov 7, 2025 |
| Name | Verified Name |
|---|---|
| Address | 2728 BOWEN ST, ELGIN, SC 29045-9875 |
| Document Number | 0202410468 |
|---|---|
| Date | Dec 16, 2024 |
| Book Page | 5267/171 |
| Instrument | 2024-10468 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Dec 9, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KERSHAW SC |
| Recording Date | Jan 29, 2025 |
| Property Address | 2728 BOWEN ST, ELGIN, SC 29045-9875 |
| Document Number | 0002025699 |
| Book / Page | 5292 / 1 |
| Map Reference | MB D151 PG 2 |
| Instrument Date | Jan 21, 2025 |
| Instrument | 2025-699 |
| Transaction Type | Transfer |
| Record Updated | Nov 7, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2728 BOWEN ST, ELGIN, SC 29045-9875 |
Source: Kershaw County assessment roll, as of September 13, 2025
| Type | Name |
|---|---|
| State | South Carolina |
| County | Kershaw County |
| Unified School District | Kershaw County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,631.00 | $645,000 Land $80,000 Building $565,000 | $645,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 28, 2018 · 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 9 (5% premium discount) |
| Nearby Flood Policies | 4 in force |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · above 40% 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.
Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures