32 Rambling Dr, Elgin, SC 29045 Property Records

Kershaw County property record for 32 Rambling Dr, Elgin, SC 29045

Property Summary

Property Type	Single Family Home
Details	2,877 sqft
Lot Size	0.56 acres (24,394 sqft)
Owner	2 Individual Names on Record
Last Sale	$194,000 (Mar 2009)
Tax Bill	$1,186 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`320-16-00-004-SJH`

Property Details

APN / Parcel Number

Primary APN	`320-16-00-004-SJH`
Alternative APN	`45761`

Interior

Stories	1 Story
Building Area	2,877 sqft Gross Area
Gross Area	2,029 sqft
1st Floor Area	1,751 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Vinyl
Lot Area	24,394 sqft (0.56 acres)
Garage Type	Attached
Garage Area	278 sqft
Porch	Porch
Porch Area	164 sqft
Deck Area	180 sqft

Location & Zoning

Account Number	45761
Old Parcel Number	320-16-00-004 SJH
Street Address	32 RAMBLING DR
City	ELGIN
State	SC
Zip	29045-9574
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-15
Legal Description	DIST:279 MAP REF:BK C138 PG 8A
Legal Subdivision	LAUREL RDG
Jurisdiction	KERSHAW SC
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1010
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	32 RAMBLING DR, ELGIN, SC 29045-9574
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 2, 2025	Deed of Trust, Mortgage · Line of Credit PALMETTO CITIZENS FCU
Apr 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage RESOURCE FIN'L SVC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 3, 2009 · Amount on Record
Deed Sale	Mar 3, 2009 · Amount on Record
Prior Sale	Jun 13, 2012
Deed Document Number	0024850078
Deed Book / Page	002485 / 000078
Last Transfer Date	May 6, 2013
Transfer Doc	0000003505
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERSHAW SC
Property Address	32 RAMBLING DR, ELGIN, SC 29045-9574
Transaction Type	Mortgage
Record Updated	Dec 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 RAMBLING DR, ELGIN, SC 29045-9574

Mortgage

Document Number	0202510245
Date	Dec 2, 2025
Book Page	5480/182
Instrument	2025-10245

Lender

Name	PALMETTO CITIZENS FCU
Type	Credit Union
Address	COLUMBIA, SC 29250

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Dec 1, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERSHAW SC
Property Address	32 RAMBLING DR, ELGIN, SC 29045-9574
Document Number	0000003253
Instrument Date	Apr 9, 2020
Transaction Type	Mortgage
Record Updated	May 19, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 RAMBLING DR ELGIN SC 290459574, ELGIN, SC 29045-9574

Mortgage

Document Number	0000003253
Date	Apr 15, 2020
Book Page	004204/000293
Instrument	3253

Lender

Name	RESOURCE FIN'L SVC
Type	Funding / Finance Company
Address	COLUMBIA, SC 29205

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 14, 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	$1,186.00 (+40.36%)	$189,100 (-) Land $24,000 Building $165,100	$189,100 (-)
2023	$845.00	$189,100 Land $24,000 Building $165,100	$189,100

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	7 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	Low lower than 63% of the US · lower than 89% of South Carolina
Wildfire Likelihood	0.06% 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	LUGOFF ELGIN WATER AUTH serves 25,783 people · EPA ID SC2820001
Water Source	Surface water
Last State Inspection	Feb 2026
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 112 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Rambling Dr

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