344 Jay Dr N, Elgin, SC 29045 Property Records

Richland County property record for 344 Jay Dr N, Elgin, SC 29045

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 4,929 sqft · built 2006
Lot Size	9.61 acres (418,612 sqft)
Owner	2 Individual Names on Record
Last Sale	$480,000 (Feb 2020)
Tax Bill	$3,956 (2025)
Deeds & Mortgages	May 2022 Line of Credit Feb 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26000-02-35`

Property Details

APN / Parcel Number

Primary APN	`26000-02-35`
Alternative APNs	`R26000-02-35` `01881921`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,929 sqft Heated Area
Gross Area	7,336 sqft
1st Floor Area	2,671 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Conventional
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	418,612 sqft (9.61 acres)
Garage Area	925 sqft
Parking Spaces	4 Parking Spaces
Porch	Patio
Porch Area	1,592 sqft
Patio Area	466 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	01881921
Street Address	344 JAY DR N
City	ELGIN
State	SC
Zip	29045-8604
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU
Legal Description	PARCEL 8-B #SU #PR RB1151-2200
Jurisdiction	RICHLAND SC
Township / Civil Division	PONTIAC
Census Block Group	1
Census Block	1001
Census Tract	11425

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	344 JAY DR N, ELGIN, SC 29045-8604
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 12, 2022	Deed of Trust, Mortgage · Line of Credit PALMETTO CITIZENS FCU
Feb 5, 2020	Warranty Deed, Transfer · Conventional with PMI BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 5, 2020 · Amount on Record
Deed Sale	Feb 5, 2020 · Amount on Record
Prior Sale	Dec 22, 2009 · Amount on Record
Deed Document Number	20206197
Deed Book / Page	2466 / 3766
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	344 JAY DR N, ELGIN, SC 29045-8604
Transaction Type	Mortgage
Record Updated	Apr 11, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	344 JAY DR N, ELGIN, SC 29045-8604

Mortgage

Document Number	0027433114
Date	May 12, 2022
Book Page	2743/3114
Instrument	2022027498

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	May 11, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RICHLAND SC
Recording Date	Feb 5, 2020
Property Address	344 JAY DR N, ELGIN, SC 29045-8604
Document Number	2466/3766
Book / Page	002466 / 003766
Instrument Date	Feb 3, 2020
Instrument	6197
Transaction Type	Transfer
Record Updated	Mar 2, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,776.00
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	344 JAY DR N ELGIN SC 290458604, ELGIN, SC 29045-8604

Mortgage

Document Number	2466/3770
Date	Feb 5, 2020
Book Page	002466/003770
Instrument	6198

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 4, 2050

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	$3,956.00 (+14.67%)	$430,100 (+2,773.46%)	$597,400 (+59.65%) Land $20,700 Building $576,700
2023	$3,450.00 (-0.78%)	$14,968 (-0.01%)	$374,200 (-23.32%)
2021	$3,477.00	$14,970	$488,000 Land $127,300 Building $360,700

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 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	0.07% 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 14 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

Cell Coverage

5G (outdoors only) and 4G LTE

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