3089 Cool Breeze Ln, Elgin, SC 29045 Property Records

Richland County property record for 3089 Cool Breeze Ln, Elgin, SC 29045

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,477 sqft · built 2020
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Trust Names on Record
Last Sale	$430,000 (Jul 2021)
Tax Bill	$4,347 (2025)
Deeds & Mortgages	Jul 2022 Second Mortgage Jul 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`28915-03-04`

Property Details

APN / Parcel Number

Primary APN	`28915-03-04`
Alternative APNs	`R28915-03-04` `02147821`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,477 sqft Heated Area
Gross Area	4,629 sqft
1st Floor Area	1,989 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	15,682 sqft (0.36 acres)
Garage Area	800 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	02147821
Street Address	3089 COOL BREEZE LN
City	ELGIN
State	SC
Zip	29045-8014
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	LOT 27 105.1X150X105.1X150 #SU CROSSING @ WOODCREEK PH 4 #PR RB2249-(12-15)
Legal Subdivision	WOODCREEK CROSSING
Legal Phase	4
Legal Lot Number	27,105
Jurisdiction	RICHLAND SC
Township / Civil Division	PONTIAC
Census Block Group	2
Census Block	2073
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	2 Trust Names on Record
Mailing Address	3089 COOL BREEZE LN, ELGIN, SC 29045-8014
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Jul 26, 2023	Intrafamily Transfer, Transfer
Jul 8, 2021	Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 30, 2020	Grant Deed, Subdivision Related Transfer · Conventional with PMI GUILD MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2021 · Amount on Record
Deed Sale	Jul 8, 2021 · Amount on Record
Prior Sale	Jan 30, 2020 · Amount on Record
Deed Document Number	202144740
Deed Book / Page	2639 / 3864
Last Transfer Date	Jul 19, 2023
Transfer Doc	0028531173
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	3089 COOL BREEZE LN, ELGIN, SC 29045-8014
Transaction Type	Mortgage
Record Updated	Apr 11, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0027633547
Date	Jul 20, 2022
Book Page	2763/3547
Instrument	2022041236

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2052

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	RICHLAND SC
Recording Date	Jul 26, 2023
Property Address	3089 COOL BREEZE LN, ELGIN, SC 29045-8014
Document Number	0028531173
Book / Page	2853 / 1173
Map Reference	MB 2249 PG 12-14
Instrument Date	Jul 19, 2023
Instrument	2023031665
Transaction Type	Transfer
Record Updated	Apr 11, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3089 COOL BREEZE LN, ELGIN, SC 29045-8014

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	RICHLAND SC
Recording Date	Jul 8, 2021
Property Address	3089 COOL BREEZE LN, ELGIN, SC 29045-8014
Document Number	0026393864
Book / Page	2639 / 3864
Map Reference	MB 2249 PG 12-14
Instrument Date	Jul 1, 2021
Instrument	2021044740
Transaction Type	Transfer
Record Updated	Apr 11, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,591.00
Amount Accuracy	Verified / From Affidavit
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	3089 COOL BREEZE LN, ELGIN, SC 29045-8014

Mortgage

Document Number	2021044741
Date	Jul 8, 2021
Instrument	2021044741

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

January 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	RICHLAND SC
Recording Date	Jan 30, 2020
Property Address	3089 COOL BREEZE LN, ELGIN, SC 29045-8014
Document Number	2465/2640
Book / Page	002465 / 002640
Instrument Date	Jan 30, 2020
Instrument	5235
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 28, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,443.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	3089 COOL BREEZE LN ELGIN SC 290458014, ELGIN, SC 29045-8014

Mortgage

Document Number	2465/2644
Date	Jan 30, 2020
Book Page	002465/002644
Instrument	5236

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 29, 2050

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	$4,347.00 (+32.9%)	$17,200 (-96.52%)	$522,500 (-) Land $87,800 Building $434,700
2024		$494,600 (+2,775.58%)	$522,500 (+21.51%) Land $87,800 Building $434,700
2023	$3,271.00 (+5.86%)	$17,200 (+10.26%)	$430,000 (+10.26%)
2021	$3,090.00	$15,600	$390,000 Land $65,000 Building $325,000

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	Moderate above 42% of the US · lower than 70% 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.

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 121 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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