305 Lacecap Rd, Elgin, SC 29045 Property Records

Richland County property record for 305 Lacecap Rd, Elgin, SC 29045

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,166 sqft · built 2019
Lot Size	0.42 acres (18,295 sqft)
Owner	Individual Name on Record
Last Sale	$342,199 (Apr 2019)
Tax Bill	$3,460 (2025)
Deeds & Mortgages	Apr 2019 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`28904-05-26`

Property Details

APN / Parcel Number

Primary APN	`28904-05-26`
Alternative APNs	`R28904-05-26` `02146779`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,166 sqft Heated Area
Gross Area	4,290 sqft
1st Floor Area	2,336 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	18,295 sqft (0.42 acres)
Garage Area	724 sqft
Porch	Slab

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	02146779
Street Address	305 LACECAP RD
City	ELGIN
State	SC
Zip	29045-9805
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	LOT 27 75X285.2X113.5X200.1 #SU WOODCREEK FARMS AREA A-5 PHASE 1A
Legal Subdivision	WOODCREEK
Legal Phase	1A
Legal Lot Number	27,75
Jurisdiction	RICHLAND SC
Township / Civil Division	PONTIAC
Census Block Group	2
Census Block	2012
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	Individual Name on Record
Mailing Address	305 LACECAP RD, ELGIN, SC 29045-9805
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 1, 2019 · Amount on Record
Deed Sale	Apr 1, 2019 · Amount on Record
Deed Document Number	201921953
Deed Book / Page	2382 / 2014
Record Updated	Sep 20, 2026

April 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	RICHLAND SC
Recording Date	Apr 1, 2019
Property Address	305 LACECAP RD, ELGIN, SC 29045-9805
Document Number	2382/2014
Book / Page	002382 / 002014
Instrument Date	Mar 28, 2019
Instrument	21953
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 12, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,266.00
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	305 LACECAP RD ELGIN SC 290459805, ELGIN, SC 29045-9805

Mortgage

Document Number	2382/2018
Date	Apr 1, 2019
Book Page	002382/002018
Instrument	21954

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 31, 2049

Interest

Rate Type	Adjustable Rate

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	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,460.00 (+17.57%)	$393,400 (+2,774.89%)	$535,600 (+56.56%) Land $66,000 Building $469,600
2023	$2,943.00 (-5.31%)	$13,684 (+0.03%)	$342,100 (-)
2021	$3,108.00	$13,680	$342,100 Land $60,000 Building $282,100

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.

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 65% of the US · lower than 92% of South Carolina
Wildfire Likelihood	0.04% 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 204 locations within half a mile, as of December 31, 2025

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