320 Upland Trail Rd, Elgin, SC 29045 Property Records

Richland County property record for 320 Upland Trail Rd, Elgin, SC 29045

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,699 sqft · built 2005
Lot Size	0.43 acres (18,731 sqft)
Owner	Individual Name on Record
Last Sale	$392,000 (Apr 2017)
Tax Bill	$4,184 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Nov 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25811-03-02`

Property Details

APN / Parcel Number

Primary APN	`25811-03-02`
Alternative APNs	`R25811-03-02` `01674851`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,699 sqft Heated Area
Gross Area	5,259 sqft
1st Floor Area	2,105 sqft
Attic	Attic
Attic Area	66 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	18,731 sqft (0.43 acres)
Garage Area	923 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	571 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	01674851
Street Address	320 UPLAND TRAIL RD
City	ELGIN
State	SC
Zip	29045-8228
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-LD
Legal Description	LOT 46 126.6X174.5X79.9X182 #SU GREENHILL PARISH PHASE 1 #PR RB1687-1750
Legal Subdivision	GREENHILL PARISH
Legal Phase	1
Legal Lot Number	46,126
Jurisdiction	RICHLAND SC
Township / Civil Division	PONTIAC
Census Block Group	2
Census Block	2021
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	320 UPLAND TRAIL RD, ELGIN, SC 29045-8228
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage BETTER MTG
Nov 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage TRIUMPH MTG
Apr 11, 2017	Grant Deed, Transfer · Conventional Mortgage FIRSTBANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 11, 2017 · Amount on Record
Deed Sale	Apr 11, 2017 · Amount on Record
Prior Sale	Jun 6, 2011 · Amount on Record
Deed Document Number	201725023
Deed Book / Page	2201 / 1213
Record Updated	Sep 20, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	320 UPLAND TRAIL RD, ELGIN, SC 29045-8228
Document Number	2572/0070
Instrument Date	Nov 19, 2020
Transaction Type	Mortgage
Record Updated	Mar 4, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	320 UPLAND TRAIL RD ELGIN SC 290458228, ELGIN, SC 29045-8228

Mortgage

Document Number	2572/0070
Date	Jan 4, 2021
Book Page	002572/000070
Instrument	5

Lender

Name	BETTER MTG
Type	Mortgage Company
Address	NEW YORK, NY 10271

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jan 3, 2041

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	320 UPLAND TRAIL RD, ELGIN, SC 29045-8228
Document Number	2270/2274
Book / Page	002270 / 002274
Instrument Date	Nov 28, 2017
Transaction Type	Mortgage
Record Updated	Jan 22, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	320 UPLAND TRAIL RD ELGIN SC 290458228, ELGIN, SC 29045-8228

Mortgage

Document Number	2270/2274
Date	Dec 20, 2017
Book Page	002270/002274
Instrument	97225

Lender

Name	TRIUMPH MTG
Type	Mortgage Company
Address	COLLIERVILLE, TN 38017

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 19, 2047

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RICHLAND SC
Recording Date	Apr 11, 2017
Property Address	320 UPLAND TRAIL RD, ELGIN, SC 29045-8228
Document Number	2201/1213
Book / Page	002201 / 001213
Instrument Date	Apr 10, 2017
Instrument	25023
Transaction Type	Transfer
Record Updated	Aug 20, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,450.40
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	320 UPLAND TRAIL RD ELGIN SC 290458228, ELGIN, SC 29045-8228

Mortgage

Document Number	2201/1217
Date	Apr 11, 2017
Book Page	002201/001217
Instrument	25024

Lender

Name	FIRSTBANK
Type	Bank
Address	FRANKLIN, TN 37067

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 10, 2047

Tax Assessment & Valuation

Source: Richland County assessment roll, as of July 14, 2026

Property Jurisdictions

Type	Name
State	South Carolina
County	Richland County
Unified School District	Richland School District 2 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,184.00 (+14.91%)	$460,000 (+2,775%)	$515,700 (+28.93%) Land $44,000 Building $471,700
2023	$3,641.00 (-0.87%)	$16,000 (-)	$400,000 (-)
2021	$3,673.00	$16,000	$400,000 Land $40,000 Building $360,000

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
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 63% of the US · lower than 89% of South Carolina
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

320 Upland Trail Rd, Elgin, SC 29045 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

November 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

November 2017: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

April 2017: Grant Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Upland Trail Rd

Nearby Streets

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