38 Regal Dr, Elgin, SC 29045 Property Records

Kershaw County property record for 38 Regal Dr, Elgin, SC 29045

Property Summary

Property Type	Single Family Home
Details	2,846 sqft · built 2019
Lot Size	0.34 acres (14,810 sqft)
Owner	Individual Name on Record
Last Sale	$345,000 (Jun 2026)
Tax Bill	$1,799 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage May 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`320-00-00-039-SKM`

Property Details

APN / Parcel Number

Primary APN	`320-00-00-039-SKM`
Alternative APN	`17803`

Interior

Stories	2 Stories
Building Area	2,846 sqft Gross Area

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Vinyl
Lot Area	14,810 sqft (0.34 acres)

Location & Zoning

Account Number	17803
Street Address	38 REGAL DR
City	ELGIN
State	SC
Zip	29045-9810
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	REGAL WOODS SUBDIV PHASE 1 LOT 39
Legal Subdivision	REGAL WOODS SUBD
Legal Phase	1
Legal Lot Number	39
Jurisdiction	KERSHAW SC
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1010
Census Tract	970909

Owner

Source: Kershaw County records, as of June 30, 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	38 REGAL DR, ELGIN, SC 29045-9810
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2026	Deed, Transfer · Conventional Mortgage SIMPLIFILE
May 15, 2023	Deed, Transfer · VA Mortgage EQUITY PRIME MORTGAGE LLC
Oct 11, 2019	Warranty Deed, Subdivision Related Transfer REGIONS MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 17, 2026 · Amount on Record
Deed Sale	Jun 17, 2026 · Amount on Record
Prior Sale	May 15, 2023 · Amount on Record
Deed Document Number	20265857
Deed Book / Page	5615 / 310
Record Updated	Sep 20, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	KERSHAW SC
Recording Date	Jun 17, 2026
Property Address	38 REGAL DR, ELGIN, SC 29045-9810
Document Number	0000005857
Book / Page	5615 / 310
Instrument Date	Jun 15, 2026
Instrument	20265857
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	SIMPLIFILE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$90,597.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 REGAL DR, ELGIN, SC 29045-9810

Mortgage

Document Number	0000005858,
Date	Jun 17, 2026
Instrument	20265858

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Jul 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	KERSHAW SC
Recording Date	May 15, 2023
Property Address	38 REGAL DR, ELGIN, SC 29045-9810
Document Number	202300004036
Book / Page	4943 / 289
Map Reference	MB D50 PG 1
Instrument Date	May 11, 2023
Instrument	202300004036
Transaction Type	Transfer
Record Updated	Sep 7, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$780.00
Amount Accuracy	Verified / From Affidavit
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	38 REGAL DR, ELGIN, SC 29045-9810

Mortgage

Document Number	202300004037
Date	May 15, 2023
Instrument	202300004037

Lender

Name	EQUITY PRIME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

October 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	KERSHAW SC
Recording Date	Oct 11, 2019
Property Address	38 REGAL DR, ELGIN, SC 29045-9810
Document Number	0000008295
Book / Page	004107 / 000258
Instrument Date	Oct 7, 2019
Instrument	8295
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 4, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$776.25
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	3 REGAL DR #8 ELGIN SC 29045, 8, ELGIN, SC 29045

Mortgage

Document Number	8296
Date	Oct 11, 2019
Book Page	004107/000259
Instrument	8296

Lender

Name	REGIONS MTG
Type	Mortgage Company
Address	BIRMINGHAM, AL 35244

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 10, 2049

Tax Assessment & Valuation

Source: Kershaw County assessment roll, as of November 7, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,799.00 (+35.36%)	$299,000 (-) Land $30,000 Building $269,000	$299,000 (-)
2023	$1,329.00 (+4.32%)	$299,000 (+42.65%) Land $30,000 Building $269,000	$299,000 (+42.65%)
2022	$1,274.00	$209,600 Land $30,000 Building $179,600	$209,600 Land $30,000 Building $179,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 28, 2018 · 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 9 (5% premium discount)
Nearby Flood Policies	7 in force

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 40% of the US · lower than 78% of South Carolina
Wildfire Likelihood	0.06% 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	LUGOFF ELGIN WATER AUTH serves 25,783 people · EPA ID SC2820001
Water Source	Surface water
Last State Inspection	Feb 2026
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 48 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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