Richland County property record for 412 Ferncliffe Rd, Elgin, SC 29045
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,305 sqft · built 1991 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | Individual Name on File |
| Last Sale | $195,000 (May 2022) |
| Tax Bill | $2,244 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Jul 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26005-02-18 |
| Primary APN | 26005-02-18 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,305 sqft Heated Area |
| Gross Area | 2,062 sqft |
| 1st Floor Area | 1,305 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Conventional |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 12,197 sqft (0.28 acres) |
| Garage Area | 377 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 156 sqft |
| Patio Area | 224 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 01314036 |
|---|---|
| Street Address | 412 FERNCLIFFE RD |
| City | ELGIN |
| State | SC |
| Zip | 29045-8746 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-LD |
| Legal Description | LOT 18 BLK PP 79.9X149.9X79.9X150 #SU BRIARCLIFFE ESTATES #SU PHASE 3 SECTION B |
| Legal Subdivision | BRIARCLIFFE |
| Legal Phase | 3 |
| Legal Block | PP |
| Legal Lot Number | 18 |
| Jurisdiction | RICHLAND SC |
| Township / Civil Division | PONTIAC |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 11424 |
412 Ferncliffe Rd is owned by an individual who acquired it in December 2023.
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 | Individual Name on File |
|---|---|
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 19, 2022 | Deed of Trust, Mortgage · FHA Mortgage MIDLAND MORTGAGE |
| Jul 25, 2022 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) PRIMELENDING |
| May 9, 2022 | Deed, Transfer · FHA Mortgage PRIMELENDING |
| May 20, 2020 | Grant Deed, Transfer · FHA Mortgage MOVEMENT MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 9, 2022 · Amount on File |
| Deed Sale | May 9, 2022 · Amount on File |
| Prior Sale | May 20, 2020 · Amount on File |
| Deed Document Number | 202226664 |
| Deed Book / Page | 2742 / 2080 |
| Last Transfer Date | Dec 1, 2023 |
| Transfer Doc | 0000052453 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Property Address | 412 FERNCLIFFE RD, ELGIN, SC 29045-8746 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2024 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 412 FERNCLIFFE RD, ELGIN, SC 29045-8746 |
| Document Number | 0027071361 |
|---|---|
| Date | Jan 19, 2022 |
| Book Page | 2707/1361 |
| Instrument | 2022002852 |
| Name | MIDLAND MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | 74118 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 341 Months |
| Due | Jun 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Property Address | 412 FERNCLIFFE RD, ELGIN, SC 29045-8746 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0027650063 |
|---|---|
| Date | Jul 25, 2022 |
| Book Page | 2765/63 |
| Instrument | 2022042056 |
| Name | PRIMELENDING |
|---|---|
| Type | Mortgage Company |
| Address | DALLAS, TX 75252 |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | May 9, 2022 |
| Property Address | 412 FERNCLIFFE RD, ELGIN, SC 29045-8746 |
| Document Number | 0027422080 |
| Book / Page | 2742 / 2080 |
| Map Reference | MB 53 PG 4925 |
| Instrument Date | May 4, 2022 |
| Instrument | 2022026664 |
| Transaction Type | Transfer |
| Record Updated | Apr 11, 2024 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $507.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 412 FERNCLIFFE RD, ELGIN, SC 29045-8746 |
| Document Number | 2022026665 |
|---|---|
| Date | May 9, 2022 |
| Instrument | 2022026665 |
| Name | PRIMELENDING |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2052 |
| Document Number | 0027481937 |
|---|---|
| Date | May 26, 2022 |
| Book Page | 2748/1937 |
| Instrument | 2022030523 |
| Name | PRIMELENDING |
|---|---|
| Type | Mortgage Company |
| Address | DALLAS, TX 75252 |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | May 25, 2032 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | May 20, 2020 |
| Property Address | 412 FERNCLIFFE RD, ELGIN, SC 29045-8746 |
| Document Number | 2489/2060 |
| Book / Page | 002489 / 002060 |
| Instrument Date | May 8, 2020 |
| Instrument | 21873 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $505.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 412 FERNCLIFFE RD ELGIN SC 290458746, ELGIN, SC 29045-8746 |
| Document Number | 2489/2063 |
|---|---|
| Date | May 20, 2020 |
| Book Page | 002489/002063 |
| Instrument | 21874 |
| Name | MOVEMENT MTG |
|---|---|
| Type | Mortgage Company |
| Address | INDIAN LAND, SC 29707 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 19, 2050 |
The 2025 property tax bill for 412 Ferncliffe Rd was $2,244.
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 | $2,244.00 | $224,200 | $229,600 Land $30,000 Building $199,600 |
| 2023 | $1,963.00 | $5,460 | $136,500 |
| 2021 | $4,862.00 | $8,190 | $136,500 Land $20,300 Building $116,200 |
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 412 Ferncliffe 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 412 Ferncliffe 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 66% of the US · lower than 93% 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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