Richland County property record for 396 Palm Sedge Loop, Elgin, SC 29045 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 5 Beds |
| Bathrooms | 4 Baths |
| Year Built | Built 2017 |
| Square Footage | 4,560 sqft Heated Area |
| Lot Size | 15,682 sqft (0.36 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $413,637 (2017) |
| Tax Bill | $16,249.00 (2025) |
Source: Richland County records · APN 28910-04-11
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 | 396 PALM SEDGE LOOP, ELGIN, SC 29045-8005 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jan 21, 2026 | Intrafamily Transfer, Transfer |
| Oct 27, 2025 | Deed of Trust, Mortgage · Stand Alone Second Mortgage BETTER MORTGAGE CORPORATION |
| Jan 19, 2017 | Grant Deed, Subdivision Related Transfer RESOURCE FIN'L SVC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 19, 2017 · Amount on Record |
| Deed Sale | Jan 19, 2017 · Amount on Record |
| Prior Sale | Apr 18, 2016 · Amount on Record |
| Deed Doc Number | 20173861 |
| Deed Book / Page | 2181 / 72 |
| Last Transfer Date | Jan 20, 2026 |
| Transfer Doc | 0030930091 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Jan 21, 2026 |
| Property Address | 396 PALM SEDGE LOOP, ELGIN, SC 29045-8005 |
| Document Number | 0030930091 |
| Book / Page | 3093 / 91 |
| Map Reference | MB 2017 PG 514-515 |
| Instrument Date | Jan 20, 2026 |
| Instrument | 2026003063 |
| Transaction Type | Transfer |
| Record Updated | Jan 30, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 396 PALM SEDGE LOOP, ELGIN, SC 29045-8005 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Property Address | 396 PALM SEDGE LOOP, ELGIN, SC 29045-8005 |
| Transaction Type | Mortgage |
| Record Updated | Nov 13, 2025 |
| Title Company | MORTGAGE CONNECT |
| Name | Verified Name |
|---|
| Document Number | 0030682128 |
|---|---|
| Date | Oct 27, 2025 |
| Book Page | 3068/2128 |
| Instrument | 2025051262 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | NEW YORK, NY 10007 |
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2055 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Jan 19, 2017 |
| Property Address | 396 PALM SEDGE LOOP, ELGIN, SC 29045-8005 |
| Document Number | 2181/0072 |
| Book / Page | 00218 / 000072 |
| Instrument Date | Jan 17, 2017 |
| Instrument | 3861 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 16, 2018 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,530.46 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 396 PALM SEDGE LOOP ELGIN SC 29045, ELGIN, SC 29045 |
| Document Number | 2181/0076 |
|---|---|
| Date | Jan 19, 2017 |
| Book Page | 002181/000076 |
| Instrument | 3862 |
| Name | RESOURCE FIN'L SVC |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, SC 29205 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jan 18, 2047 |
Source: Richland County records · Assessment roll updated July 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | South Carolina |
| County | Richland County |
| Municipality | Columbia City |
| Unified School District | Richland School District 2 (PK - 12) |
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 | $16,249.00 (+12.19%) | $590,700 (+42.82%) Land $81,000 Building $509,700 | |
| 2023 | $14,483.00 (-1.27%) | ||
| 2021 | $14,669.00 | $24,820 | $413,600 Land $60,000 Building $353,600 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| 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.
| Primary APN | 28910-04-11 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 4,560 sqft Heated Area |
| Gross Area | 5,418 sqft Gross Area |
| 1st Floor | 2,105 sqft 1st Floor |
| Stories | 2 Stories |
| Primary Flooring | Hardwood Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| 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 | 504 sqft Garage |
| Porch Area | 354 sqft Porch |
| Heating System | Forced Air with Air Conditioning Heating |
|---|---|
| Heating Fuel | Electric Heating Fuel |
| Sewage | Municipal Sewage |
| Water Source | Commercial Water Source |
| Account Number | 02092764 |
|---|---|
| Street Address | 396 PALM SEDGE LOOP |
| City | ELGIN |
| State | SC |
| Zip | 29045-8005 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 24 105X150X105X150 #SU CROSSING @WOODCREEK PH 1&2 #PR RB1990-2759/2760 |
| Legal Subdivision | WOODCREEK CROSSING |
| Legal Lot Number | 24,105 |
| Jurisdiction | RICHLAND SC |
| Minor Civil Division | PONTIAC |
| Census Blockgroup | 2 |
| Census Block | 2073 |
| Census Tract | 11407 |
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