409 Deer Crossing Rd, Elgin, SC 29045 Property Records

Richland County property record for 409 Deer Crossing Rd, Elgin, SC 29045

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,242 sqft · built 2009
Lot Size	0.37 acres (16,117 sqft)
Owner	2 Individual Names on File
Last Sale	$410,000 (Dec 2018)
Tax Bill	$4,145 (2025)
Deeds & Mortgages	Sep 2019 Line of Credit Dec 2018 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`28903-02-11`

Property Details

APN / Parcel Number

Primary APN	`28903-02-11`
Alternative APNs	`R28903-02-11` `01646909`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,242 sqft Heated Area
Gross Area	4,919 sqft
1st Floor Area	2,548 sqft
Flooring	Carpet
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	16,117 sqft (0.37 acres)
Garage Area	540 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	803 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	01646909
Street Address	409 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 119 99.9X160X100X160.2 #SU WOODCREEK FARMS PH A9-2 #PR RB2359-2197 RB440-1543
Legal Subdivision	WOODCREEK
Legal Lot Number	99,119
Jurisdiction	RICHLAND SC
Township / Civil Division	PONTIAC
Census Block Group	2
Census Block	2040
Census Tract	11407

Owner

409 Deer Crossing Rd is owned and occupied by two individuals who bought it in December 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	409 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
Sep 3, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Dec 20, 2018	Warranty Deed, Transfer · Line of Credit MORTGAGE NTWK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2018 · Amount on File
Deed Sale	Dec 20, 2018 · Amount on File
Prior Sale	Sep 11, 2009 · Amount on File
Deed Document Number	201893257
Deed Book / Page	2359 / 2198
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	409 DEER CROSSING RD, ELGIN, SC 29045-8665
Document Number	2426/3688
Instrument Date	Sep 3, 2019
Transaction Type	Mortgage
Record Updated	Oct 7, 2019
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 DEER CROSSING RD ELGIN SC 290458665, ELGIN, SC 29045-8665

Mortgage

Document Number	2426/3688
Date	Sep 10, 2019
Book Page	002426/003688
Instrument	66573

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 9, 2049

Interest

Rate Type	Adjustable Rate

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RICHLAND SC
Recording Date	Dec 20, 2018
Property Address	409 DEER CROSSING RD, ELGIN, SC 29045-8665
Document Number	2359/2198
Book / Page	002359 / 002198
Instrument Date	Dec 17, 2018
Instrument	93257
Transaction Type	Transfer
Record Updated	Jan 31, 2019
Title Company	OTHER

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,517.00
Amount Accuracy	Confirmed
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	409 DEER CROSSING RD ELGIN SC 290458665, ELGIN, SC 29045-8665

Mortgage

Document Number	2359/2202
Date	Dec 20, 2018
Book Page	002359/002202
Instrument	93258

Lender

Name	MORTGAGE NTWK
Type	Mortgage Company
Address	DANVERS, MA 01923

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Dec 19, 2033

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 409 Deer Crossing Rd was $4,145.

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	$4,145.00	$471,600	$578,100 Land $60,500 Building $517,600
2023	$3,529.00 (-51.38%)	$16,400	$410,000
2022	$7,258.00
2021		$16,400	$410,000 Land $55,000 Building $355,000

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.

Flood

FEMA maps place 409 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 409 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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