395 Palm Sedge Loop, Elgin, SC 29045 Property Records

Richland County property record for 395 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 2018
Square Footage	3,355 sqft Heated Area
Lot Size	15,682 sqft (0.36 acres)
Occupancy	Owner Occupied
Last Sale	$379,900 (2018)
Tax Bill	$3,833.00 (2025)

Owner

Source: Richland County records · APN 28910-05-09

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	395 PALM SEDGE LOOP, ELGIN, SC 29045-8005
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERIHOME MORTGAGE COMPANY LLC
Jun 13, 2023	Deed of Trust, Mortgage · Conventional Mortgage NEW AMERICAN FUNDING
Aug 29, 2019	Grant Deed, Transfer ATTORNEY ONLY
Apr 20, 2018	Grant Deed, Subdivision Related Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI) NORTH AMERICAN SVGS BK
Apr 18, 2018	Grant Deed, Subdivision Related Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI) AMERIS BK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 18, 2018 · Amount on Record
Deed Sale	Apr 18, 2018 · Amount on Record
Prior Sale	Mar 16, 2015 · Amount on Record
Deed Doc Number	201824608
Deed Book / Page	2296 / 386
Record Refreshed	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	395 PALM SEDGE LOOP, ELGIN, SC 29045-8005
Transaction Type	Mortgage
Record Updated	Apr 11, 2024
Title Company	ORANGE COAST LENDER SERVICES LLC, ORANGE COAST LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0026772004
Date	Oct 18, 2021
Book Page	2677/2004
Instrument	2021069539

Lender

Name	AMERIHOME MORTGAGE COMPANY LLC
Type	Mortgage Company
Address	THOUSAND OAKS, CA 91362

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Aug 01, 2051

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	395 PALM SEDGE LOOP, ELGIN, SC 29045-8005
Transaction Type	Mortgage
Record Updated	Apr 11, 2024
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	395 PALM SEDGE LOOP, ELGIN, SC 29045-8005

Mortgage

Document Number	0028423207
Date	Jun 13, 2023
Book Page	2842/3207
Instrument	2023024644

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 01, 2038

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RICHLAND SC
Recording Date	Aug 29, 2019
Property Address	395 PALM SEDGE LOOP, ELGIN, SC 29045-8005
Document Number	2423/3658
Book / Page	002423 / 003658
Instrument Date	Aug 28, 2019
Instrument	63816
Transaction Type	Transfer
Record Updated	Sep 25, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$498.39
Amount Accuracy	Confirmed
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	120 CROMER RD LEXINGTON SC 290739444, LEXINGTON, SC 29073-9444
Investor	Possibly a Property Investor

April 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	RICHLAND SC
Recording Date	Apr 20, 2018
Property Address	395 PALM SEDGE LOOP, ELGIN, SC 29045-8005
Document Number	2296/3390
Book / Page	002296 / 003390
Instrument Date	Apr 20, 2018
Instrument	25531
Transaction Type	Subdivision Related Transfer
Record Updated	May 07, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,389.05
Amount Accuracy	Confirmed
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	535 GRAND MANOR LN CHAPIN SC 29036, CHAPIN, SC 29036

Mortgage

Document Number	2296/3394
Date	Apr 20, 2018
Book Page	002296/003394
Instrument	25532

Lender

Name	NORTH AMERICAN SVGS BK
Type	Federal Savings Bank (FSB)
Address	GRANDVIEW, MO 64030

Agreement

Type	Conventional Mortgage with Private Mortgage Insurance (PMI)
Amount	Amount Recorded
Term	180 Months
Due	Apr 19, 2033

April 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	RICHLAND SC
Recording Date	Apr 18, 2018
Property Address	395 PALM SEDGE LOOP, ELGIN, SC 29045-8005
Document Number	2296/0386
Book / Page	002296 / 000386
Instrument Date	Apr 18, 2018
Instrument	24608
Transaction Type	Subdivision Related Transfer
Record Updated	May 07, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,405.63
Amount Accuracy	Confirmed
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	395 PALM SEDGE LOOP ELGIN SC 290458005, ELGIN, SC 29045-8005

Mortgage

Document Number	2296/0390
Date	Apr 18, 2018
Book Page	002296/000390
Instrument	24609

Lender

Name	AMERIS BK
Type	Bank
Address	MARIETTA, GA 30067

Agreement

Type	Conventional Mortgage with Private Mortgage Insurance (PMI)
Amount	Amount Recorded
Term	360 Months
Due	Apr 17, 2048

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	$3,833.00 (+17.5%)	$435,900 (+2,775.33%)	$494,000 (+30.34%) Land $81,000 Building $413,000
2023	$3,262.00 (-5.31%)	$15,160 (-)	$379,000 (-)
2021	$3,445.00	$15,160	$379,000 Land $60,000 Building $319,000

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	`28910-05-09`
Alternative APNs	`R28910-05-09` `02092915`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Partial Baths	1 Partial Baths
Building Area	3,355 sqft Heated Area
Gross Area	4,441 sqft Gross Area
1st Floor	2,340 sqft 1st Floor
Stories	2 Stories
Primary Flooring	Hardwood Flooring
Interior Structure	Wallboard/Drywall Interior Structure
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
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)
Garage Area	756 sqft Garage
Porch Area	330 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air with Air Conditioning Heating
Sewage	Municipal Sewage
Water Source	Commercial Water Source

Location & Zoning

Account Number	02092915
Street Address	395 PALM SEDGE LOOP
City	ELGIN
State	SC
Zip	29045-8005
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LOT 42 105X149.9X105X149.9 #SU CROSSING @WOODCREEK PH 1&2 #PR RB1990-2759/2760 2296-402
Legal Subdivision	WOODCREEK CROSSING
Legal Lot Number	42,105
Jurisdiction	RICHLAND SC
Minor Civil Division	PONTIAC
Census Blockgroup	2
Census Block	2075
Census Tract	11407

395 Palm Sedge Loop, Elgin, SC 29045 Property Records

Property Highlights

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

October 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

June 2023: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

August 2019: Grant Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

April 2018: Grant Deed, Subdivision Related Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

April 2018: Grant Deed, Subdivision Related Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Property Details

APN / Parcel Number

Interior

Exterior

Utilities and HVAC

Location & Zoning

Nearby Properties on Palm Sedge Loop

Nearby Streets

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