Richland County property record for 401 Layup Cir, Elgin, SC 29045
| Details | 3 bd · 3 ba · 2,620 sqft · built 2023 |
|---|---|
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $395,000 (Sep 2026) |
| Tax Bill | $2,100 (2023) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage Apr 2026 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R28912-12-17 |
| Primary APN | R28912-12-17 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,620 sqft Living Area |
| Flooring | Wood |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Lot Area | 7,841 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 401 LAYUP CIR |
|---|---|
| City | ELGIN |
| State | SC |
| Zip | 29045-9871 |
| Property Category | Other |
| Property Type | Unknown |
| Local Zoning Code | PD |
| Legal Description | LOT 67 70.4X101.2X70.7X119.1 #SU NORTHWOODS VILLAS @ WOODCREEK FARMS PH B #PR RB2714-1231 |
| Legal Lot Number | 67,70 |
| Jurisdiction | RICHLAND SC |
| Township / Civil Division | PONTIAC |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 11407 |
Source: Richland County records, as of October 9, 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 Record |
|---|---|
| Mailing Address | 401 LAYUP CIR, ELGIN, SC 29045-9871 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 29, 2026 | Warranty Deed, Transfer · VA Mortgage MORTGAGE CENTER LLC |
| Apr 22, 2026 | Deed of Trust · VA Mortgage FREEDOM MORTGAGE CORPORATION |
| Apr 22, 2026 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORPORATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 29, 2026 · Amount on Record |
| Deed Sale | Sep 29, 2026 · Amount on Record |
| Prior Sale | Feb 1, 2024 · Amount on Record |
| Deed Document Number | 202648510 |
| Deed Book / Page | 3170 / 2558 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Sep 29, 2026 |
| Property Address | 401 LAYUP CIR, ELGIN, SC 29045-9871 |
| Document Number | 0000048510 |
| Book / Page | 3170 / 2558 |
| Instrument Date | Sep 21, 2026 |
| Instrument | 202648510 |
| Transaction Type | Transfer |
| Record Updated | Oct 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $103,727.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 401 LAYUP CIR, ELGIN, SC 29045-9871 |
| Investor | Possibly a Property Investor |
| Document Number | 0000048511, |
|---|---|
| Date | Sep 29, 2026 |
| Book Page | 3170/2566 |
| Instrument | 202648511 |
| Name | MORTGAGE CENTER LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Apr 22, 2026 |
| Property Address | 401 LAYUP CIR, ELGIN, SC 29045-9871 |
| Document Number | 0000018823 |
| Book / Page | 3119 / 2969 |
| Instrument Date | Apr 17, 2026 |
| Instrument | 2026.18823 |
| Record Updated | May 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 401 LAYUP CIR, ELGIN, SC 29045-9871 |
| Document Number | 0000018823, |
|---|---|
| Date | Apr 22, 2026 |
| Book Page | 3119/2969 |
| Instrument | 2026.18823 |
| Name | FREEDOM MORTGAGE CORPORATION |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Apr 22, 2026 |
| Property Address | 401 LAYUP CIR, ELGIN, SC 29045-9871 |
| Document Number | 0031192969 |
| Book / Page | 3119 / 2969 |
| Instrument Date | Apr 17, 2026 |
| Instrument | 202618823 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 401 LAYUP CIR, ELGIN, SC 29045-9871 |
| Document Number | 0000018823, |
|---|---|
| Date | Apr 22, 2026 |
| Book Page | 3119/2969 |
| Instrument | 202618823 |
| Name | FREEDOM MORTGAGE CORPORATION |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
Source: Richland County assessment roll, as of July 14, 2026
| Type | Name |
|---|---|
| State | South Carolina |
| County | Richland County |
| Municipality | Columbia City |
| Unified School District | Richland School District 2 (PK - 12) |
| Year | Tax Bill | Assessed Market Value |
|---|---|---|
| 2025 | $342,000 (-17.23%) Land $60,000 Building $282,000 | |
| 2024 | $413,200 Land $60,000 Building $353,200 | |
| 2023 | $2,100.00 Additional exemption filed |
Assessed market value is set for property tax purposes and is not a market price estimate.
Source: FEMA National Flood Hazard Layer, effective September 13, 2026 · 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 |
| Flood Insurance Cost | Premium on Record median of 31 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 31 in force |
| Nearby Flood Claims | 1 (2015) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Oct 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 86% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF COLUMBIA serves 354,068 people · EPA ID SC4010001 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2025 |
| Lead | 5 ppb (2021–2023) action level 15 ppb |
| Water Quality | Chlorite resolved · Dec 2024 E. coli resolved · Apr 2021 |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 106 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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