2961 Bowen St, Elgin, SC 29045 Property Records

Kershaw County property record for 2961 Bowen St, Elgin, SC 29045

Property Summary

Property Type	Single Family Home
Details	3,523 sqft · built 2016
Lot Size	0.36 acres (15,682 sqft)
Owner	Individual Name on Record
Last Sale	$300,000 (Dec 2021)
Tax Bill	$5,774 (2025)
Deeds & Mortgages	Aug 2019 Mortgage Aug 2019 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`333-00-00-162`

Property Details

APN / Parcel Number

Primary APN	`333-00-00-162`
Alternative APN	`47418`

Interior

Stories	2 Stories
Building Area	3,523 sqft Gross Area
Gross Area	2,818 sqft

Exterior

Year Built	Built 2016
Exterior Material	Vinyl
Lot Area	15,682 sqft (0.36 acres)

Location & Zoning

Account Number	47418
Street Address	2961 BOWEN ST
City	ELGIN
State	SC
Zip	29045-9705
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-15
Legal Description	SANDY CREEK SUBDIV PHASE 2 LOT 42
Legal Subdivision	SANDY CREEK SUBD
Legal Phase	2
Legal Lot Number	42
Jurisdiction	KERSHAW SC
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2003
Census Tract	970909

Owner

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
Mailing Address	2961 BOWEN ST, ELGIN, SC 29045-9705
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2019	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Aug 13, 2019	Loan Modification, Mortgage · FHA Mortgage RUSHMORE LN MGMT SVCS
Mar 20, 2017	Grant Deed, Subdivision Related Transfer · FHA Mortgage HANCOCK MTG PTRS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 16, 2021 · Amount on Record
Deed Sale	Dec 16, 2021 · Amount on Record
Deed Document Number	0000463992
Record Updated	Jun 8, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERSHAW SC
Property Address	2961 BOWEN ST, ELGIN, SC 29045-9705
Document Number	0000007295
Instrument Date	Aug 13, 2019
Transaction Type	Mortgage
Record Updated	Sep 26, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2961 BOWEN ST ELGIN SC 290459705, ELGIN, SC 29045-9705

Mortgage

Document Number	0000007295
Date	Sep 11, 2019
Book Page	004089/000287
Instrument	7295

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 10, 2049

August 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KERSHAW SC
Property Address	2961 BOWEN ST, ELGIN, SC 29045-9705
Document Number	0000007344
Instrument Date	Aug 13, 2019
Transaction Type	Mortgage
Record Updated	Sep 27, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2961 BOWEN ST ELGIN SC 290459705, ELGIN, SC 29045-9705

Mortgage

Document Number	0000007344
Date	Sep 12, 2019
Book Page	004090/000280
Instrument	7344

Lender

Name	RUSHMORE LN MGMT SVCS
Type	Funding / Finance Company
Address	FARMERS BRANCH, TX 75234

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 11, 2049

Interest

Rate	4.62%

March 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	KERSHAW SC
Recording Date	Mar 20, 2017
Property Address	2961 BOWEN ST, ELGIN, SC 29045-9705
Document Number	0000002207
Book / Page	003665 / 000220
Instrument Date	Mar 14, 2017
Instrument	2207
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 18, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$677.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2961 BOWEN ST ELGIN SC 290459705, ELGIN, SC 29045-9705

Mortgage

Document Number	2208
Date	Mar 20, 2017
Book Page	003665/000224
Instrument	2208

Lender

Name	HANCOCK MTG PTRS
Type	Mortgage Company
Address	SUGAR LAND, TX 77478

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 19, 2047

Tax Assessment & Valuation

Source: Kershaw County assessment roll, as of September 13, 2025

Property Jurisdictions

Type	Name
State	South Carolina
County	Kershaw County
Unified School District	Kershaw County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,774.00 (+366.02%)	$300,400 (-) Land $28,000 Building $272,400	$300,400 (-)
2023	$1,239.00	$300,400 Land $28,000 Building $272,400	$300,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 45% of the US · lower than 61% of South Carolina
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 55 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: TruVista Communications.

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