408 Smyrna Rd, Elgin, SC 29045 Property Records

Kershaw County property record for 408 Smyrna Rd, Elgin, SC 29045

Property Summary

Property Type	Single Family Home
Details	2,860 sqft
Lot Size	16 acres (696,960 sqft)
Owner	Individual Name on Record
Last Sale	$288,000 (Apr 2024)
Tax Bill	$1,058 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Apr 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`278-00-00-018`

Property Details

APN / Parcel Number

Primary APN	`278-00-00-018`
Alternative APNs	`0278 00 00 0180` `1297`

Interior

Stories	1 Story
Building Area	2,860 sqft Gross Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Construction Type	Frame
Lot Area	696,960 sqft (16 acres)
Garage Type	Attached
Garage Area	550 sqft
Porch	Porch
Porch Area	300 sqft

Location & Zoning

Account Number	1297
Street Address	408 SMYRNA RD
City	ELGIN
State	SC
Zip	29045-9752
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD2
Legal Description	JA-2 739-74(E) 1810
Legal Subdivision	PLAT PREPARED FOR LISA R ROYCE
Jurisdiction	KERSHAW SC
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2016
Census Tract	970401

Owner

Source: Kershaw County records, as of April 2, 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	408 SMYRNA RD, ELGIN, SC 29045-9752
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2025	Deed of Trust, Mortgage · FHA Mortgage NEW AMERICAN FUNDING
Apr 15, 2024	Deed, Transfer · FHA Mortgage NEW AMERICAN FUNDING
Dec 18, 2019	Grant Deed, Transfer · Conventional Mortgage SAFE FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 15, 2024 · Amount on Record
Deed Sale	Apr 15, 2024 · Amount on Record
Prior Sale	Dec 18, 2019 · Amount on Record
Deed Document Number	20242858
Deed Book / Page	5119 / 271
Prior Transfer Date	Dec 19, 1986
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERSHAW SC
Property Address	408 SMYRNA RD, ELGIN, SC 29045-9752
Transaction Type	Mortgage
Record Updated	Jan 2, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 SMYRNA RD, ELGIN, SC 29045-9752

Mortgage

Document Number	0202510615
Date	Dec 12, 2025
Book Page	5488/217
Instrument	2025-10615

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution
Address	TUSTIN, CA 92780

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

April 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	KERSHAW SC
Recording Date	Apr 15, 2024
Property Address	408 SMYRNA RD, ELGIN, SC 29045-9752
Document Number	0020242858
Book / Page	5119 / 271
Map Reference	MB D69 PG 10
Instrument Date	Apr 12, 2024
Instrument	2024-2858
Transaction Type	Transfer
Record Updated	May 20, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$748.80
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	408 SMYRNA RD, ELGIN, SC 29045-9752

Mortgage

Document Number	0020242859
Date	Apr 15, 2024
Book Page	5119/275
Instrument	2024-2859

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution
Address	TUSTIN, CA 92780

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KERSHAW SC
Recording Date	Dec 18, 2019
Property Address	408 SMYRNA RD, ELGIN, SC 29045-9752
Document Number	0000010189
Book / Page	004142 / 000008
Instrument Date	Dec 13, 2019
Instrument	10189
Transaction Type	Transfer
Record Updated	Jan 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$296.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 SMYRNA RD ELGIN SC 290459752, ELGIN, SC 29045-9752

Mortgage

Document Number	10190
Date	Dec 18, 2019
Book Page	004142/000012
Instrument	10190

Lender

Name	SAFE FCU
Type	Credit Union
Address	SUMTER, SC 29150

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 17, 2049

Tax Assessment & Valuation

Source: Kershaw County assessment roll, as of November 7, 2025

Property Jurisdictions

Type	Name
State	South Carolina
County	Kershaw County
Unified School District	Kershaw County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,058.00 (-26.58%)	$214,600 (+36.08%) Land $11,900 Building $202,700	$287,700 (+24.52%)
2023	$1,441.00	$157,700 Land $11,900 Building $145,800	$231,050

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 28, 2018

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	0.07% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TruVista Communications Fiber	5,000 / 5,000

Cell Coverage

5G (outdoors only) and 4G LTE

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