Richland County property record for 409 Westridge Rd, Elgin, SC 29045
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,238 sqft · built 1980 |
| Lot Size | 0.275 acres (11,993 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $794 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Oct 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26005-03-29 |
| Primary APN | 26005-03-29 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,238 sqft Heated Area |
| Gross Area | 1,422 sqft |
| 1st Floor Area | 738 sqft |
| Utility Area | 20 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,993 sqft (0.275 acres) |
| Porch | Slab |
| Porch Area | 24 sqft |
| Patio Area | 140 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Sewer | Connected |
| Water Source | Commercial |
| Account Number | 00875690 |
|---|---|
| Street Address | 409 WESTRIDGE RD |
| City | ELGIN |
| State | SC |
| Zip | 29045-8628 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-LD |
| Legal Description | LOT 29 BLK MM #SU BRIARCLIFFE ESTATES #PR Y-6642 Y-7908 #OM 1434-04-29 |
| Legal Subdivision | BRIARCLIFFE |
| Legal Block | MM |
| Legal Lot Number | 29 |
| Jurisdiction | RICHLAND SC |
| Township / Civil Division | PONTIAC |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 11424 |
409 Westridge Rd is owned and occupied by an individual.
Source: Richland County records, as of July 14, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 409 WESTRIDGE RD, ELGIN, SC 29045-8628 |
| 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.
| Date | Document |
|---|---|
| Jun 16, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Oct 10, 2019 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Jun 16, 2026 |
| Property Address | 409 WESTRIDGE RD, ELGIN, SC 29045-8628 |
| Document Number | 0000029195 |
| Book / Page | 3137 / 2539 |
| Instrument Date | Jun 11, 2026 |
| Instrument | 202629195 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 409 WESTRIDGE RD, ELGIN, SC 29045-8628 |
| Document Number | 0000029195, |
|---|---|
| Date | Jun 16, 2026 |
| Book Page | 3137/2539 |
| Instrument | 202629195 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jul 1, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.71% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Property Address | 409 WESTRIDGE RD, ELGIN, SC 29045-8628 |
| Document Number | 2438/0082 |
| Instrument Date | Oct 10, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 12, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 409 WESTRIDGE RD ELGIN SC 290458628, ELGIN, SC 29045-8628 |
| Document Number | 2438/0082 |
|---|---|
| Date | Oct 17, 2019 |
| Book Page | 002438/000082 |
| Instrument | 77620 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 16, 2034 |
The 2025 property tax bill for 409 Westridge Rd was $794.
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 | $794.00 Homeowner's exemption | $98,000 | $149,300 Land $30,000 Building $119,300 |
| 2023 | $656.00 | $3,408 | $85,200 |
| 2021 | $618.00 | $3,410 | $91,800 Land $20,300 Building $71,500 |
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.
FEMA maps place 409 Westridge 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 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.
Wildfire risk around 409 Westridge Rd is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 96% 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 |
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