407 Deer Crossing Rd, Elgin, SC 29045 Property Records

Richland County property record for 407 Deer Crossing Rd, Elgin, SC 29045

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 4,006 sqft · built 2009
Lot Size	0.381 acres (16,637 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,347 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28903-02-12`

Property Details

APN / Parcel Number

Primary APN	`28903-02-12`
Alternative APNs	`R28903-02-12` `01646918`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,006 sqft Heated Area
Gross Area	5,362 sqft
1st Floor Area	2,284 sqft
Attic	Attic
Attic Area	208 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Contemporary
Exterior Material	Brick/Stone
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	16,637 sqft (0.381 acres)
Garage Area	782 sqft
Parking Spaces	3 Parking Spaces
Porch	Patio
Porch Area	366 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	01646918
Street Address	407 DEER CROSSING RD
City	ELGIN
State	SC
Zip	29045-8665
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	LOT 120 100X160X100X160 #SU WOODCREEK FARMS PH A9-2 #PR 440-1543
Legal Subdivision	WOODCREEK
Legal Lot Number	100,120
Jurisdiction	RICHLAND SC
Township / Civil Division	PONTIAC
Census Block Group	2
Census Block	2040
Census Tract	11407

Owner

407 Deer Crossing Rd is owned and occupied by two individuals who acquired it in February 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	407 DEER CROSSING RD, ELGIN, SC 29045-8665
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2020	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Feb 14, 2020	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Feb 11, 2019	Quit Claim Deed, Mortgage · VA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 11, 2019
Deed Sale	Feb 11, 2019
Prior Sale	Dec 21, 2010 · Amount on File
Deed Document Number	20199716
Deed Book / Page	2371 / 412
Prior Transfer Date	Feb 4, 2019
Prior Transfer Doc	2371/0412
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	407 DEER CROSSING RD, ELGIN, SC 29045-8665
Document Number	2557/0121
Instrument Date	Nov 13, 2020
Transaction Type	Mortgage
Record Updated	Feb 10, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	407 DEER CROSSING RD ELGIN SC 290458665, ELGIN, SC 29045-8665

Mortgage

Document Number	2557/0121
Date	Dec 2, 2020
Book Page	002557/000121
Instrument	66102

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	407 DEER CROSSING RD, ELGIN, SC 29045-8665
Document Number	2471/3344
Instrument Date	Feb 14, 2020
Transaction Type	Mortgage
Record Updated	Mar 16, 2020
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	407 DEER CROSSING RD ELGIN SC 290458665, ELGIN, SC 29045-8665

Mortgage

Document Number	2471/3344
Date	Feb 25, 2020
Book Page	002471/003344
Instrument	10367

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 24, 2050

February 2019: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	RICHLAND SC
Recording Date	Feb 11, 2019
Property Address	407 DEER CROSSING RD, ELGIN, SC 29045-8665
Document Number	2371/0412
Book / Page	002371 / 000412
Instrument Date	Feb 4, 2019
Instrument	9716
Transaction Type	Mortgage
Record Updated	Mar 1, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	407 DEER CROSSING RD ELGIN SC 290458665, ELGIN, SC 29045-8665

Mortgage

Document Number	2371/0512
Date	Feb 11, 2019
Book Page	002371/000512
Instrument	9760

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 10, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 407 Deer Crossing Rd was $4,347.

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	$4,347.00 Homeowner's exemption	$544,500 (-)	$628,500 (-) Land $60,500 Building $568,000
2024		$544,500 (+2,775.48%)	$628,500 (+32.76%) Land $60,500 Building $568,000
2023	$3,646.00	$18,936	$473,400
2021	$3,850.00	$18,940	$473,400 Land $55,000 Building $418,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 407 Deer Crossing Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2015.

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 File 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

Wildfire risk around 407 Deer Crossing Rd is low, with a 0.04% annual chance of wildfire.

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	0.04% 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 112 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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