2987 Bowen St, Elgin, SC 29045 Property Records

Kershaw County property record for 2987 Bowen St, Elgin, SC 29045

Property Summary

Property Type	Single Family Home
Details	3,666 sqft · built 2009
Lot Size	0.38 acres (16,553 sqft)
Owner	2 Individual Names on Record
Last Sale	$240,000 (Sep 2020)
Tax Bill	$1,484 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Oct 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`333-00-00-151`

Property Details

APN / Parcel Number

Primary APN	`333-00-00-151`
Alternative APNs	`0333 00 00 1510` `51073`

Interior

Stories	2 Stories
Building Area	3,666 sqft Gross Area
Gross Area	2,974 sqft

Exterior

Year Built	Built 2009
Exterior Material	Vinyl
Lot Area	16,553 sqft (0.38 acres)
Garage Type	Attached
Garage Area	484 sqft
Porch	Porch
Porch Area	128 sqft
Patio Area	80 sqft

Location & Zoning

Account Number	51073
Old Parcel Number	0333 00 00 1510
Street Address	2987 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 1
Legal Subdivision	SANDY CREEK SUBD
Legal Phase	2
Legal Lot Number	1
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	2 Individual Names on Record
Mailing Address	2987 BOWEN ST, ELGIN, SC 29045-9705
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 25, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Oct 7, 2020	Grant Deed, Transfer · FHA Mortgage NEW AMERICAN FNDG
Jun 3, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2020 · Amount on Record
Deed Sale	Sep 30, 2020 · Amount on Record
Deed Document Number	0004318240
Deed Book / Page	4318 / 240
Last Transfer Date	Oct 7, 2020
Transfer Doc	0000009323
Record Updated	Jun 8, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERSHAW SC
Property Address	2987 BOWEN ST, ELGIN, SC 29045-9705
Transaction Type	Mortgage
Record Updated	Sep 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2987 BOWEN ST, ELGIN, SC 29045-9705

Mortgage

Document Number	0020236318
Date	Jul 25, 2023
Book Page	4985/218
Instrument	2023-6318

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	327 Months
Due	Oct 1, 2050

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KERSHAW SC
Recording Date	Oct 7, 2020
Property Address	2987 BOWEN ST, ELGIN, SC 29045-9705
Document Number	0000009323
Book / Page	004318 / 000240
Instrument Date	Sep 30, 2020
Instrument	9323
Transaction Type	Transfer
Record Updated	Oct 21, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$888.00
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	2987 BOWEN ST ELGIN SC 290459705, ELGIN, SC 29045-9705

Mortgage

Document Number	9324
Date	Oct 7, 2020
Book Page	004318/000243
Instrument	9324

Lender

Name	NEW AMERICAN FNDG
Type	Funding / Finance Company
Address	14511 MYFORD RD # 100, TUSTIN, CA 92780-7057

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 6, 2050

Mortgage

Document Number	9325,
Date	Oct 7, 2020
Book Page	004318/000253
Instrument	9325

Lender

Name	BROKER SOLUTIONS
Address	14511 MYFORD RD # 100, TUSTIN, CA 92780-7057

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 6, 2050

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERSHAW SC
Property Address	2987 BOWEN ST, ELGIN, SC 29045-9705
Document Number	0000004988
Instrument Date	Jun 3, 2020
Transaction Type	Mortgage
Record Updated	Jul 14, 2020
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2987 BOWEN ST ELGIN SC 290459705, ELGIN, SC 29045-9705

Mortgage

Document Number	0000004988
Date	Jun 11, 2020
Book Page	004239/000038
Instrument	4988

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 10, 2050

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	$1,484.00 (-62.82%)	$240,000 (-) Land $28,000 Building $212,000	$240,000 (-)
2023	$3,991.00	$240,000 Land $28,000 Building $212,000	$240,000

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 40% of the US · lower than 78% of South Carolina
Wildfire Likelihood	0.05% 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.

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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