4015 Rusty Mill Dr, Elgin, SC 29045 Property Records

Richland County property record for 4015 Rusty Mill Dr, Elgin, SC 29045

Property Summary

Property Type	Single Family Home
Details	6 bd · 3 ba · 4,222 sqft · built 2021
Lot Size	0.41 acres (17,860 sqft)
Owner	2 Individual Names on Record
Last Sale	$665,999 (Jun 2023)
Tax Bill	$5,380 (2023)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Aug 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28915-05-02`

Property Details

APN / Parcel Number

Primary APN	`28915-05-02`
Alternative APNs	`R28915-05-02` `02159452`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,222 sqft Heated Area
Gross Area	5,291 sqft
1st Floor Area	1,920 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Lot Area	17,860 sqft (0.41 acres)
Garage Area	780 sqft
Porch	Slab
Porch Area	289 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	02159452
Street Address	4015 RUSTY MILL DR
City	ELGIN
State	SC
Zip	29045-8019
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	LOT 84 105X168.2X105X170.4 #SU CROSSING@ WOODCREEK PH 5 #PR RB2391-1176/1177
Legal Subdivision	WOODCREEK CROSSING
Legal Phase	5
Legal Lot Number	84,105
Jurisdiction	RICHLAND SC
Township / Civil Division	PONTIAC
Census Block Group	2
Census Block	2073
Census Tract	11407

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 Record	2 Individual Names on Record
Mailing Address	4015 RUSTY MILL DR, ELGIN, SC 29045-8019
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2023	Deed, Transfer · VA Mortgage PENNYMAC LOAN SERVICES LLC
Aug 11, 2022	Deed, Transfer · VA Mortgage US BANK NA
Mar 8, 2021	Deed, Subdivision Related Transfer · Conventional Mortgage TRUIST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2023 · Amount on Record
Deed Sale	Jun 1, 2023 · Amount on Record
Prior Sale	Aug 11, 2022 · Amount on Record
Deed Document Number	202322762
Deed Book / Page	2839 / 3508
Record Updated	Sep 20, 2026

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	RICHLAND SC
Recording Date	Jun 1, 2023
Property Address	4015 RUSTY MILL DR, ELGIN, SC 29045-8019
Document Number	0028393508
Book / Page	2839 / 3508
Map Reference	MB 2391 PG 1176&1177
Instrument Date	Mar 22, 2023
Instrument	2023022762
Transaction Type	Transfer
Record Updated	Apr 11, 2024

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,731.60
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4015 RUSTY MILL DR, ELGIN, SC 29045-8019

Mortgage

Document Number	2023022763
Date	Jun 1, 2023
Instrument	2023022763

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	RICHLAND SC
Recording Date	Aug 11, 2022
Property Address	4015 RUSTY MILL DR, ELGIN, SC 29045-8019
Document Number	0027700296
Book / Page	2770 / 296
Map Reference	MB 2391 PG 1176&1177
Instrument Date	Jul 29, 2022
Instrument	2022045513
Transaction Type	Transfer
Record Updated	Apr 11, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,625.00
Amount Accuracy	Verified / From Affidavit
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	4015 RUSTY MILL DR, ELGIN, SC 29045-8019

Mortgage

Document Number	2022045514
Date	Aug 11, 2022
Instrument	2022045514

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

March 2021: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	RICHLAND SC
Recording Date	Mar 8, 2021
Property Address	4015 RUSTY MILL DR, ELGIN, SC 29045-8019
Document Number	0025931595
Book / Page	2593 / 1595
Map Reference	MB 2391 PG 1176-1177
Instrument Date	Mar 2, 2021
Instrument	2021013977
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 11, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,781.55
Amount Accuracy	Verified / From Affidavit
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	4015 RUSTY MILL DR, ELGIN, SC 29045-8019

Mortgage

Document Number	2021013978
Date	Mar 8, 2021
Instrument	2021013978

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$19,256 (-)	$666,000 (-) Land $87,800 Building $578,200
2024			$666,000 (+38.35%) Land $87,800 Building $578,200
2023	$5,380.00 (+1,885.24%)	$19,256 (+4,086.09%)	$481,400 (+6,151.95%)
2021	$271.00	$460	$7,700 Land $7,700

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 44% of the US · lower than 64% of South Carolina
Wildfire Likelihood	0.08% annual chance
Exposure	Direct 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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 85 locations within half a mile, as of December 31, 2025

Provider	Max 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

Cell Coverage

5G (outdoors only) and 4G LTE

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