321 Bluestem Dr, Elgin, SC 29045 Property Records

Richland County property record for 321 Bluestem Dr, Elgin, SC 29045

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 4,328 sqft · built 2017
Lot Size	0.62 acres (27,007 sqft)
Owner	2 Individual Names on Record
Last Sale	$575,000 (Mar 2017)
Tax Bill	$6,167 (2025)
Deeds & Mortgages	May 2023 Line of Credit Jun 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`28905-11-05`

Property Details

APN / Parcel Number

Primary APN	`28905-11-05`
Alternative APNs	`R28905-11-05` `01957252`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,328 sqft Heated Area
Gross Area	5,560 sqft
1st Floor Area	2,546 sqft
Attic	Attic
Attic Area	228 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	27,007 sqft (0.62 acres)
Garage Area	704 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	300 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	01957252
Street Address	321 BLUESTEM DR
City	ELGIN
State	SC
Zip	29045-2103
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	LOT 15 212X184.1X66X176.6 #SU WOODCREEK FARMS AREA D17 #PR RB1301-1226
Legal Subdivision	WOODCREEK
Legal Lot Number	15,212
Jurisdiction	RICHLAND SC
Township / Civil Division	PONTIAC
Census Block Group	2
Census Block	2065
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 Individual Names on Record
Mailing Address	321 BLUESTEM DR, ELGIN, SC 29045-2103
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2023	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK
Jun 27, 2020	Deed of Trust, Mortgage SYNOVUS BK
Apr 28, 2020	Deed of Trust, Mortgage SYNOVUS BK
Mar 13, 2017	Grant Deed, Subdivision Related Transfer NBSC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 13, 2017 · Amount on Record
Deed Sale	Mar 13, 2017 · Amount on Record
Prior Sale	Sep 9, 2014 · Amount on Record
Deed Document Number	201716746
Deed Book / Page	2193 / 1818
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	321 BLUESTEM DR, ELGIN, SC 29045-2103
Transaction Type	Mortgage
Record Updated	Apr 11, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 BLUESTEM DR, ELGIN, SC 29045-2103

Mortgage

Document Number	0028362202
Date	May 18, 2023
Book Page	2836/2202
Instrument	2023020589

Lender

Name	FIRST CITIZENS BANK
Type	Bank
Address	26592

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	321 BLUESTEM DR, ELGIN, SC 29045-2103
Document Number	2503/0785
Instrument Date	Jun 27, 2020
Transaction Type	Mortgage
Record Updated	Aug 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 BLUESTEM DR ELGIN SC 290452103, ELGIN, SC 29045-2103

Mortgage

Document Number	2503/0785
Date	Jun 27, 2020
Book Page	002503/000785
Instrument	31084

Lender

Name	SYNOVUS BK
Type	Bank
Address	BIRMINGHAM, AL 35209

Agreement

Amount	Amount Recorded
Term	300 Months
Due	Jun 26, 2045

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	321 BLUESTEM DR, ELGIN, SC 29045-2103
Document Number	2492/3137
Instrument Date	Apr 28, 2020
Transaction Type	Mortgage
Record Updated	Jul 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 BLUESTEM DR ELGIN SC 290452103, ELGIN, SC 29045-2103

Mortgage

Document Number	2492/3137
Date	Jun 3, 2020
Book Page	002492/003137
Instrument	24349

Lender

Name	SYNOVUS BK
Type	Bank
Address	BIRMINGHAM, AL 35209

Agreement

Amount	Amount Recorded
Term	300 Months
Due	Jun 2, 2045

March 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	RICHLAND SC
Recording Date	Mar 13, 2017
Property Address	321 BLUESTEM DR, ELGIN, SC 29045-2103
Document Number	2193/1818
Book / Page	002193 / 001818
Instrument Date	Mar 9, 2017
Instrument	16746
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 5, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,127.00
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	321 BLUESTEM DR ELGIN SC 29045, ELGIN, SC 29045

Mortgage

Document Number	2193/1822
Date	Mar 13, 2017
Book Page	002193/001822
Instrument	16747

Lender

Name	NBSC
Type	Bank
Address	GREENVILLE, SC 29601

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 12, 2047

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	$6,167.00 (+17.44%)	$701,500 (+2,775%)	$769,600 (+26.16%) Land $99,000 Building $670,600
2023	$5,251.00 (-5.28%)	$24,400 (-)	$610,000 (-)
2021	$5,544.00	$24,400	$610,000 Land $90,000 Building $520,000

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 80% of the US · lower than 96% 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 78 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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