409 Saddletrail Rd, Columbia, SC 29203 Property Records

Richland County property record for 409 Saddletrail Rd, Columbia, SC 29203

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 973 sqft · built 1972
Lot Size	0.275 acres (12,008 sqft)
Owner	Company Name on Record
Last Sale	$2,961 (Feb 2016)
Tax Bill	$399 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Feb 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09516-06-32`

Property Details

APN / Parcel Number

Primary APN	`09516-06-32`
Alternative APNs	`R09516-06-32` `00229176`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	973 sqft Heated Area
Gross Area	1,314 sqft
1st Floor Area	973 sqft
Utility Area	35 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1977
Architectural Style	Raised Ranch
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,008 sqft (0.275 acres)
Garage Type	Carport
Garage Area	286 sqft
Carport	Carport
Carport Area	286 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	20 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	00229176
Street Address	409 SADDLETRAIL RD
City	COLUMBIA
State	SC
Zip	29203-1469
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-HD
Legal Description	LOT 19 BLK S 70X143.8X70X143.7 #SU LINCOLNSHIRE #PR X-1430
Legal Subdivision	CRANE CREEK/LINCOLNSHIRE
Legal Block	S
Legal Lot Number	19
Jurisdiction	RICHLAND SC
Township / Civil Division	COLUMBIA
Census Block Group	2
Census Block	2002
Census Tract	10701

Owner

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	Company Name on Record
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2024	Deed of Trust, Mortgage · Commercial Mortgage CAROLINA COLLEGIATE FCU
Feb 13, 2023	Deed of Trust, Mortgage · Commercial Mortgage CPS INVERSTMENTS LLC
Apr 5, 2024	Quit Claim Deed, Transfer Quitclaim
Jan 31, 2019	Deed of Trust, Mortgage · Conventional with PMI CPS INVESTMENTS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 18, 2016 · Amount on Record
Deed Sale	Feb 18, 2016 · Amount on Record
Prior Sale	Jan 5, 2012 · Amount on Record
Deed Document Number	20169309
Deed Book / Page	2089 / 3577
Last Transfer Date	Dec 18, 2023
Transfer Doc	0029130048
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	409 SADDLETRAIL RD, COLUMBIA, SC 29203-1469
Transaction Type	Mortgage
Record Updated	May 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 3728, COLUMBIA, SC 29230-3728

Mortgage

Document Number	0029153739
Date	Apr 17, 2024
Book Page	2915/3739
Instrument	2024016436

Lender

Name	CAROLINA COLLEGIATE FCU
Type	Credit Union
Address	4480 ROSEWOOD DR, COLUMBIA, SC 29209

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	409 SADDLETRAIL RD, COLUMBIA, SC 29203-1469
Transaction Type	Mortgage
Record Updated	Apr 11, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0028143427
Date	Feb 13, 2023
Book Page	2814/3427
Instrument	2023005892

Lender

Name	CPS INVERSTMENTS LLC
Type	Non-Lending Institution
Address	MOUNT PLEASANT, SC 29464

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

April 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	RICHLAND SC
Recording Date	Apr 5, 2024
Property Address	409 SADDLETRAIL RD, COLUMBIA, SC 29203-1469
Document Number	0029130048
Book / Page	2913 / 48
Map Reference	MB 7 PG 62
Instrument Date	Dec 1, 2023
Instrument	2024014613
Transaction Type	Transfer
Record Updated	May 8, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 3728, COLUMBIA, SC 29230-3728

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	409 SADDLETRAIL RD, COLUMBIA, SC 29203-1469
Document Number	2371/2081
Instrument Date	Jan 31, 2019
Transaction Type	Mortgage
Record Updated	Mar 4, 2019

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	409 SADDLETRAIL RD COLUMBIA SC 292031469, COLUMBIA, SC 29203-1469

Mortgage

Document Number	2371/2081
Date	Feb 13, 2019
Book Page	002371/002081
Instrument	10371

Lender

Name	CPS INVESTMENTS LLC
Address	PO BOX 12941, CHARLESTON, SC 29422-2941

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	36 Months
Due	Feb 12, 2022

Tax Assessment & Valuation

Source: Richland County assessment roll, as of July 14, 2026

Property Jurisdictions

Type	Name
State	South Carolina
County	Richland County
Unified School District	Richland School District 1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Market Value
2025	$399.00 (+8.42%)	$75,900 (-) Land $8,500 Building $67,400
2024		$75,900 (+134.98%) Land $8,500 Building $67,400
2023	$368.00 (+13.93%)	$32,300 (-) Land $5,000 Building $27,300
2021	$323.00	$32,300 Land $5,000 Building $27,300

Assessed market value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective September 13, 2026

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 52% of the US · above 61% of South Carolina
Wildfire Likelihood	0.1% 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 40 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 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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