387 Palm Sedge Loop, Elgin, SC 29045 Property Records

Richland County property record for 387 Palm Sedge Loop, Elgin, SC 29045 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 4,435 sqft · built 2017
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on File
Last Sale	$399,842 (Apr 2017)
Tax Bill	$3,602 (2025)
Deeds & Mortgages	Apr 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28910-05-10`

Property Details

APN / Parcel Number

Primary APN	`28910-05-10`
Alternative APNs	`R28910-05-10` `02092924`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,435 sqft Heated Area
Gross Area	5,191 sqft
1st Floor Area	2,686 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	15,682 sqft (0.36 acres)
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	276 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	02092924
Street Address	387 PALM SEDGE LOOP
City	ELGIN
State	SC
Zip	29045-8005
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 41 105X150X105X150 #SU CROSSING @WOODCREEK PH 1&2 #PR RB1990-2759/2760
Legal Subdivision	WOODCREEK CROSSING
Legal Lot Number	41,105
Jurisdiction	RICHLAND SC
Township / Civil Division	PONTIAC
Census Block Group	2
Census Block	2075
Census Tract	11407

Owner

Source: Richland County records · APN 28910-05-10

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	2 Individual Names on File
Mailing Address	387 PALM SEDGE LOOP, ELGIN, SC 29045-8005
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 25, 2017 · Amount on Record
Deed Sale	Apr 25, 2017 · Amount on Record
Prior Sale	Mar 16, 2015 · Amount on Record
Deed Document Number	201729316
Deed Book / Page	2205 / 866
Record Updated	Sep 20, 2026

April 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	RICHLAND SC
Recording Date	Apr 25, 2017
Property Address	387 PALM SEDGE LOOP, ELGIN, SC 29045-8005
Document Number	2205/0866
Book / Page	002205 / 000866
Instrument Date	Apr 24, 2017
Instrument	29316
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 11, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,479.00
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	387 PALM SEDGE LOOP ELGIN SC 29045, ELGIN, SC 29045

Mortgage

Document Number	2205/0870
Date	Apr 25, 2017
Book Page	002205/000870
Instrument	29317

Lender

Name	AMERIS BK
Type	Bank
Address	MARLETTA, GA 30067

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 24, 2032

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	$3,602.00 (+19.67%) Homeowner's exemption	$459,800 (+2,775.19%)	$574,100 (+43.6%) Land $81,000 Building $493,100
2023	$3,010.00 (-5.32%)	$15,992 (+0.01%)	$399,800 (-)
2021	$3,179.00	$15,990	$399,800 Land $60,000 Building $339,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Richland County (45079C), updated September 13, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 450790114072, refreshed September 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
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 31 individual NFIP policies nearby
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	31 in force 30 of 31 on primary residences
Nearby Flood Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2015, rainfall accumulation, Severe Storms And Flooding

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.