Richland County property record for 312 Lacecap Rd, Elgin, SC 29045
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,900 sqft · built 2019 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | Individual Name on File |
| Last Sale | $351,039 (Feb 2020) |
| Tax Bill | $3,549 (2025) |
| Deeds & Mortgages | Sep 2023 Mortgage Feb 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 28904-06-06 |
| Primary APN | 28904-06-06 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,900 sqft Heated Area |
| Gross Area | 3,778 sqft |
| 1st Floor Area | 2,270 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| 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 | 13,504 sqft (0.31 acres) |
| Garage Area | 420 sqft |
| Porch | Slab |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 02146831 |
|---|---|
| Street Address | 312 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 63 56.6X174.4X118.5X150.3 #SU WOODCREEK FARMS AREA A-5 PHASE 1A |
| Legal Subdivision | WOODCREEK |
| Legal Phase | 1A |
| Legal Lot Number | 56,63 |
| Jurisdiction | RICHLAND SC |
| Township / Civil Division | PONTIAC |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 11407 |
Source: Richland County records · APN 28904-06-06
Assessment roll updated July 14, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 312 LACECAP RD, ELGIN, SC 29045-9805 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 26, 2023 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Feb 11, 2020 | Grant Deed, Subdivision Related Transfer · FHA Mortgage FREEDOM MTG |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 11, 2020 · Amount on Record |
| Deed Sale | Feb 11, 2020 · Amount on Record |
| Deed Document Number | 20207569 |
| Deed Book / Page | 2468 / 1443 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Property Address | 312 LACECAP RD, ELGIN, SC 29045-9805 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2024 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 312 LACECAP RD, ELGIN, SC 29045-9805 |
| Document Number | 0028682354 |
|---|---|
| Date | Sep 26, 2023 |
| Book Page | 2868/2354 |
| Instrument | 2023041869 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 318 Months |
| Due | Mar 01, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Feb 11, 2020 |
| Property Address | 312 LACECAP RD, ELGIN, SC 29045-9805 |
| Document Number | 2468/1443 |
| Book / Page | 002468 / 001443 |
| Instrument Date | Feb 10, 2020 |
| Instrument | 7569 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Mar 06, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,299.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 312 LACECAP RD ELGIN SC 290459805, ELGIN, SC 29045-9805 |
| Document Number | 2468/1447 |
|---|---|
| Date | Feb 11, 2020 |
| Book Page | 002468/001447 |
| Instrument | 7570 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 10, 2050 |
Source: Richland County records · Assessment roll updated July 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | South Carolina |
| County | Richland County |
| Municipality | Columbia City |
| Unified School District | Richland School District 2 (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,549.00 (+17.48%) | $403,700 (+2,775.36%) | $507,200 (+44.5%) Land $66,000 Building $441,200 |
| 2023 | $3,021.00 (-5.3%) | $14,040 (-) | $351,000 (-) |
| 2021 | $3,190.00 | $14,040 | $351,000 Land $60,000 Building $291,000 |
Source: FEMA National Flood Hazard Layer as of September 13, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Moderate above 43% of the US · lower than 67% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 |
Based on FCC filings for 204 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF COLUMBIA serves 354,068 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2025 |
| Lead | 5 ppb (2021–2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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