362 Palm Sedge Loop, Elgin, SC 29045 Property Records

Richland County property record for 362 Palm Sedge Loop, Elgin, SC 29045 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3 Baths
Year Built	Built 2016
Square Footage	4,511 sqft Heated Area
Lot Size	15,682 sqft (0.36 acres)
Occupancy	Owner Occupied
Last Sale	$403,841 (2016)
Tax Bill	$3,857.00 (2025)

Owner

Source: Richland County records · APN 28910-04-07

Assessment roll updated July 14, 2026 · Last verified July 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 File
Mailing Address	362 PALM SEDGE LOOP, ELGIN, SC 29045-8005
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 31, 2016 · Amount on Record
Deed Sale	Oct 31, 2016 · Amount on Record
Deed Doc Number	201685185
Deed Book / Page	2160 / 1701
Record Refreshed	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	362 PALM SEDGE LOOP, ELGIN, SC 29045-8005
Transaction Type	Mortgage
Record Updated	Dec 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030813550
Date	Dec 10, 2025
Book Page	3081/3550
Instrument	2025059008

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 05, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

Tax Assessment & Valuation

Source: Richland County records · Assessment roll updated July 14, 2026 · Last verified July 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,857.00 (+17.48%)	$438,800 (+2,774.74%)	$529,700 (+38.81%) Land $81,000 Building $448,700
2023	$3,283.00 (-5.31%)	$15,264 (+0.03%)	$381,600 (-)
2021	$3,467.00	$15,260	$381,600 Land $60,000 Building $321,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Richland County (45079C), updated September 13, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 34% of the US · above 8% of South Carolina
Wildfire Likelihood	About 1 in 3,125 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN	`28910-04-07`
Alternative APNs	`R28910-04-07` `02092728`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Partial Baths	1 Partial Baths
Building Area	4,511 sqft Heated Area
Gross Area	5,243 sqft Gross Area
1st Floor	2,520 sqft 1st Floor
Stories	2 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Conventional Style
Exterior Material	Brick/Stone (Brick and/or Stone) Exterior
Construction Type	Frame Construction
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	15,682 sqft (0.36 acres)
Parking Spaces	2 Parking Spaces
Garage Area	460 sqft Garage
Porch Area	272 sqft Porch

Utilities and HVAC

Heating System	Forced Air with Air Conditioning Heating
Heating Fuel	Electric Heating Fuel
Sewage	Municipal Sewage
Water Source	Commercial Water Source

Location & Zoning

Account Number	02092728
Street Address	362 PALM SEDGE LOOP
City	ELGIN
State	SC
Zip	29045-8005
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LOT 28 105X150.2X104.9X150 #SU CROSSING @WOODCREEK PH 1&2 #PR RB2160-1728
Legal Subdivision	WOODCREEK CROSSING
Legal Lot Number	28,105
Jurisdiction	RICHLAND SC
Minor Civil Division	PONTIAC
Census Blockgroup	2
Census Block	2073
Census Tract	11407