Richland County property record for 406 Ferncliffe Rd, Elgin, SC 29045
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,207 sqft · built 1992 |
| Lot Size | 0.28 acres (12,229 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $104,500 (Jul 2016) |
| Tax Bill | $399 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Feb 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26005-02-21 |
| Primary APN | 26005-02-21 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,207 sqft Heated Area |
| Gross Area | 1,483 sqft |
| 1st Floor Area | 1,207 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Raised Ranch |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 12,229 sqft (0.28 acres) |
| Porch | Slab |
| Porch Area | 120 sqft |
| Patio Area | 156 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 01314063 |
|---|---|
| Street Address | 406 FERNCLIFFE RD |
| City | ELGIN |
| State | SC |
| Zip | 29045-8746 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-LD |
| Legal Description | LOT 21 BLK PP 80X150.2X26.7X53.4X147.6 #SU BRIARCLIFFE EST PH 3 SEC B #PR 53-2796 53-4925 54-897 |
| Legal Subdivision | BRIARCLIFFE |
| Legal Block | PP |
| Legal Lot Number | 21 |
| Jurisdiction | RICHLAND SC |
| Township / Civil Division | PONTIAC |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 11424 |
Source: Richland County records, as of July 14, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 406 FERNCLIFFE RD, ELGIN, SC 29045-8746 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 31, 2021 | Deed of Trust, Mortgage · VA Mortgage NEWREZ LLC |
| Feb 9, 2023 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Mar 19, 2024 | Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 6, 2016 · Amount on Record |
| Deed Sale | Jul 6, 2016 · Amount on Record |
| Prior Sale | Oct 24, 2002 · Amount on Record |
| Deed Document Number | 201648712 |
| Deed Book / Page | 2126 / 3780 |
| Prior Transfer Date | May 22, 2002 |
| Prior Transfer Doc | 0666/1377 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Property Address | 406 FERNCLIFFE RD, ELGIN, SC 29045-8746 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0027031590 |
|---|---|
| Date | Dec 31, 2021 |
| Book Page | 2703/1590 |
| Instrument | 2021086604 |
| Name | NEWREZ LLC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WASHINGTON, PA 19034 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Jan 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Property Address | 406 FERNCLIFFE RD, ELGIN, SC 29045-8746 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2024 |
| Title Company | CLOSING USA LLC |
| Name | Verified Name |
|---|---|
| Address | 406 FERNCLIFFE RD, ELGIN, SC 29045-8746 |
| Document Number | 0028140655 |
|---|---|
| Date | Feb 9, 2023 |
| Book Page | 2814/655 |
| Instrument | 2023005483 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92618 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Property Address | 406 FERNCLIFFE RD, ELGIN, SC 29045-8746 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2024 |
| Title Company | CLOSING USA LLC |
| Name | Verified Name |
|---|---|
| Address | 406 FERNCLIFFE RD, ELGIN, SC 29045-8746 |
| Document Number | 0029082468 |
|---|---|
| Date | Mar 19, 2024 |
| Book Page | 2908/2468 |
| Instrument | 2024011915 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | 6561 IRVINE CENTER DR, IRVINE, CA 92618 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2054 |
Source: Richland County assessment roll, as of July 14, 2026
| Type | Name |
|---|---|
| State | South Carolina |
| County | Richland County |
| Unified School District | Richland School District 2 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $399.00 (+8.42%) | $164,000 (-) Land $30,000 Building $134,000 | |
| 2024 | $164,000 (+67.01%) Land $30,000 Building $134,000 | ||
| 2023 | $368.00 (+13.93%) | $98,200 (-) Land $20,300 Building $77,900 | |
| 2021 | $323.00 | $3,928 Land $812 Building $3,116 | $98,200 Land $20,300 Building $77,900 |
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.
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 12 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 12 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 66% of the US · lower than 93% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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 362 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures