Richland County property record for 345 Thoroughbred Way, Elgin, SC 29045
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 3,472 sqft · built 2017 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $365,000 (Sep 2021) |
| Tax Bill | $3,466 (2025) |
| Deeds & Mortgages | Sep 2021 Sale & Mortgage Oct 2017 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25915-06-03 |
| Primary APN | 25915-06-03 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,472 sqft Heated Area |
| Gross Area | 4,238 sqft |
| 1st Floor Area | 1,491 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| 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 | 9,148 sqft (0.21 acres) |
| Garage Area | 460 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 642 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 02097144 |
|---|---|
| Street Address | 345 THOROUGHBRED WAY |
| City | ELGIN |
| State | SC |
| Zip | 29045-7133 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PDD |
| Legal Description | LOT 686 75X120X75X120 #SU FOREST CREEK PH 16 A #PR RB2194-3111 RB1990-3842 |
| Legal Subdivision | FOREST CREEK |
| Legal Lot Number | 75,686 |
| Jurisdiction | RICHLAND SC |
| Township / Civil Division | PONTIAC |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 11425 |
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 | 345 THOROUGHBRED WAY, ELGIN, SC 29045-7133 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 7, 2021 | Warranty Deed, Transfer · Conventional Mortgage AMERIS BANK |
| Oct 31, 2017 | Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS |
| Mar 16, 2017 | Warranty Deed, Subdivision Related Transfer · VA Mortgage VETERANS UNITED HM LNS |
| Jan 20, 2017 | Loan Modification, Mortgage · Line of Credit WELLS FARGO BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 7, 2021 · Amount on Record |
| Deed Sale | Sep 7, 2021 · Amount on Record |
| Prior Sale | Mar 16, 2017 · Amount on Record |
| Deed Document Number | 202159121 |
| Deed Book / Page | 2661 / 2331 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Sep 7, 2021 |
| Property Address | 345 THOROUGHBRED WAY, ELGIN, SC 29045-7133 |
| Document Number | 0026612331 |
| Book / Page | 2661 / 2331 |
| Map Reference | MB 1990 PG 3842 |
| Instrument Date | Aug 31, 2021 |
| Instrument | 2021059121 |
| Transaction Type | Transfer |
| Record Updated | Apr 11, 2024 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,350.50 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 345 THOROUGHBRED WAY, ELGIN, SC 29045-7133 |
| Document Number | 2021059122 |
|---|---|
| Date | Sep 7, 2021 |
| Instrument | 2021059122 |
| Name | AMERIS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Property Address | 345 THOROUGHBRED WAY, ELGIN, SC 29045-7133 |
| Document Number | 2259/1799 |
| Book / Page | 002259 / 001799 |
| Instrument Date | Oct 31, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2018 |
| Name | Verified Name |
|---|---|
| Address | 345 THOROUGHBRED WAY ELGIN SC 290457133, ELGIN, SC 29045-7133 |
| Document Number | 2259/1799 |
|---|---|
| Date | Nov 14, 2017 |
| Book Page | 002259/001799 |
| Instrument | 86292 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 13, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Mar 16, 2017 |
| Property Address | 345 THOROUGHBRED WAY, ELGIN, SC 29045-7133 |
| Document Number | 2194/3112 |
| Book / Page | 002194 / 003112 |
| Instrument Date | Mar 16, 2017 |
| Instrument | 18351 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jun 5, 2017 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,013.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 345 THOROUGHBRED WAY ELGIN SC 29045, ELGIN, SC 29045 |
| Document Number | 2194/3115 |
|---|---|
| Date | Mar 16, 2017 |
| Book Page | 002194/003115 |
| Instrument | 18352 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 15, 2047 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Jan 20, 2017 |
| Property Address | 345 THOROUGHBRED WAY, ELGIN, SC 29045-7133 |
| Book / Page | 00218 / 001172 |
| Instrument Date | Jan 13, 2017 |
| Instrument | 4042 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Document Number | 2181/1172 |
|---|---|
| Date | Jan 20, 2017 |
| Book Page | 002181/001172 |
| Instrument | 4042 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | 301 S COLLEGE ST MAC D1053-049, CHARLOTTE, NC 28202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Richland County assessment roll, as of July 14, 2026
| Type | Name |
|---|---|
| State | South Carolina |
| County | Richland County |
| Unified School District | Richland School District 2 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,466.00 (+3.31%) | $372,800 (+2,453.42%) Land $53,000 Building $319,800 | $372,800 (+2.14%) Land $53,000 Building $319,800 |
| 2023 | $3,355.00 (+24.49%) | $14,600 (+28.86%) | $365,000 (+28.88%) |
| 2021 | $2,695.00 | $11,330 | $283,200 Land $48,000 Building $235,200 |
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.
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 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 94% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.02% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 315 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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