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4000 Summerland Way, Elgin, SC 29045 Property Records

Richland County property record for 4000 Summerland Way, Elgin, SC 29045

Property Summary

Details3 bd · 3 ba · 2,125 sqft · built 2023
Lot Size0.35 acres (15,246 sqft)
OwnerIndividual Name on Record
Last Sale$336,457 (Sep 2023)
Tax Bill$2,958 (2025)
Deeds & MortgagesMay 2026 Mortgage
Sep 2023 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN28904-09-19

Property Details

APN / Parcel Number

Primary APN28904-09-19
Alternative APN
  • R28904-09-19

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories2 Stories
Building Area2,125 sqft Heated Area
FlooringWood

Exterior

Year BuiltBuilt 2023
Effective Year BuiltEffective 2023
Lot Area15,246 sqft

Utilities, Heating & Cooling

Heating SystemForced Air with A/C

Location & Zoning

Street Address4000 SUMMERLAND WAY
CityELGIN
StateSC
Zip29045-4313
Property CategoryOther
Property TypeUnknown
Local Zoning CodePD
Legal DescriptionLOT 65 50X26.1X126.9X111.2X174.3X50.8 #SU THE GROVE PHASE 3 #PR RB2706-2134/2135
Legal Phase3
Legal Lot Number50,65
JurisdictionRICHLAND SC
Township / Civil DivisionPONTIAC
Census Block Group2
Census Block2012
Census Tract11407

Owner

Source: Richland County records, as of July 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 11, 2026Deed of Trust, Mortgage · FHA Mortgage
SERVICELINK
Sep 18, 2023Deed, Subdivision Related Transfer · FHA Mortgage
THRIVE MORTGAGE LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleSep 18, 2023 · Amount on Record
Deed SaleSep 18, 2023 · Amount on Record
Deed Document Number202340585
Deed Book / Page2866 / 2384
Record UpdatedSep 20, 2026

May 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionRICHLAND SC
Recording DateMay 11, 2026
Property Address4000 SUMMERLAND WAY, ELGIN, SC 29045-4313
Document Number0000022597
Book / Page3126 / 1477
Instrument DateApr 8, 2026
Instrument202622597
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address4000 SUMMERLAND WAY, ELGIN, SC 29045-4313

Mortgage

Document Number0000022597,
DateMay 11, 2026
Book Page3126/1477
Instrument202622597
Lender
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueApr 1, 2056
Interest
Rate6.11%
Max Rate-1%

September 2023: Deed, Subdivision Related Transfer

Document TypeDeed
JurisdictionRICHLAND SC
Recording DateSep 18, 2023
Property Address4000 SUMMERLAND WAY, ELGIN, SC 29045-4313
Document Number0028662384
Book / Page2866 / 2384
Map ReferenceMB 2706 PG 2134&2135
Instrument DateSep 18, 2023
Instrument2023040585
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 6, 2026

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$874.90
Amount AccuracyVerified / From Affidavit
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4000 SUMMERLAND WAY, ELGIN, SC 29045-4313

Mortgage

Document Number2023040586
DateSep 18, 2023
Instrument2023040586
Lender
NameTHRIVE MORTGAGE LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueOct 1, 2053

Tax Assessment & Valuation

Source: Richland County assessment roll, as of July 14, 2026

Property Jurisdictions

TypeName
StateSouth Carolina
CountyRichland County
MunicipalityColumbia City
Unified School DistrictRichland School District 2 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,958.00 (+705.99%)$336,500 Land $60,000 Building $276,500$336,500 Land $60,000 Building $276,500
2023$367.00 Additional exemption filed

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 13, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 31 policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies31 in force
Nearby Flood Claims1 (2015)
Claims Outside the SFHA1 of 1
Most Recent ClaimOct 2015 · Severe Storms And Flooding

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 RiskModerate
above 44% of the US · lower than 64% of South Carolina
Wildfire Likelihood0.08% annual chance
ExposureDirect
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 SystemCITY OF COLUMBIA
serves 354,068 people · EPA ID SC4010001
Water SourceSurface water
Last State InspectionOct 2025
Lead5 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityChlorite
resolved · Dec 2024
E. coli
resolved · Apr 2021
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 204 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Spectrum
Fiber · Cable in parts of the area		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

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