Richland County property record for 420 Ferncliffe Rd, Elgin, SC 29045
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,345 sqft · built 1992 |
| Lot Size | 0.292 acres (12,741 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $234,900 (Oct 2025) |
| Tax Bill | $6,654 (2023) |
| Deeds & Mortgages | Oct 2025 Sale & Mortgage May 2022 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26005-02-15 |
| Primary APN | 26005-02-15 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,345 sqft Heated Area |
| Gross Area | 1,929 sqft |
| 1st Floor Area | 1,345 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Raised Ranch |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 12,741 sqft (0.292 acres) |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 20 sqft |
| Patio Area | 144 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 01314009 |
|---|---|
| Street Address | 420 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 15 BLK PP 80X150X80.2X150 #SU BRIARCLIFFE EST PHASE 3 #PR 53-4925 53-2796 |
| Legal Subdivision | BRIARCLIFFE |
| Legal Phase | 3 |
| Legal Block | PP |
| Legal Lot Number | 15 |
| Jurisdiction | RICHLAND SC |
| Township / Civil Division | PONTIAC |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 11424 |
420 Ferncliffe Rd is owned and occupied by two individuals who bought it in October 2025.
Source: Richland County records, as of July 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 420 FERNCLIFFE RD, ELGIN, SC 29045-8746 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 |
|---|---|
| Oct 30, 2025 | Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO |
| May 2, 2022 | Deed, Transfer |
| Jan 11, 2022 | Special Master Deed, Transfer · Line of Credit CADENCE BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 30, 2025 · Amount on File |
| Deed Sale | Oct 30, 2025 · Amount on File |
| Prior Sale | May 2, 2022 · Amount on File |
| Deed Document Number | 202552039 |
| Deed Book / Page | 3069 / 3417 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Oct 30, 2025 |
| Property Address | 420 FERNCLIFFE RD, ELGIN, SC 29045-8746 |
| Document Number | 0030693417 |
| Book / Page | 3069 / 3417 |
| Map Reference | MB 53 PG 4925 |
| Instrument Date | Oct 28, 2025 |
| Instrument | 2025052039 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Title Company | HARVEY & VALLINI LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $611.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 420 FERNCLIFFE RD, ELGIN, SC 29045-8746 |
| Document Number | 2025052040 |
|---|---|
| Date | Oct 30, 2025 |
| Instrument | 2025052040 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | May 2, 2022 |
| Property Address | 420 FERNCLIFFE RD, ELGIN, SC 29045-8746 |
| Document Number | 0027400689 |
| Book / Page | 2740 / 689 |
| Map Reference | MB 53 PG 4925 |
| Instrument Date | Apr 6, 2022 |
| Instrument | 2022025034 |
| Transaction Type | Transfer |
| Record Updated | Apr 11, 2024 |
| Amount | Amount on Record |
|---|---|
| Tax | $494.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 120 S RIVERSIDE PLZ STE 2000, 2000, CHICAGO, IL 60606-6995 |
| Investor | Possibly a Property Investor |
| Document Type | Special Master Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Jan 11, 2022 |
| Property Address | 420 FERNCLIFFE RD, ELGIN, SC 29045-8746 |
| Document Number | 0027052773 |
| Book / Page | 2705 / 2773 |
| Map Reference | MB 53 PG 4925 |
| Instrument Date | Sep 27, 2021 |
| Instrument | 2022001628 |
| Transaction Type | Transfer |
| Record Updated | Apr 11, 2024 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $286.00 |
| Amount Accuracy | Verified / From Affidavit |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 7238, NORTH AUGUSTA, SC 29861-7238 |
| Investor | Possibly a Property Investor |
| Document Number | 0027052778 |
|---|---|
| Date | Jan 11, 2022 |
| Book Page | 2705/2778 |
| Instrument | 2022001629 |
| Name | CADENCE BANK NA |
|---|---|
| Type | Bank |
| Address | AUGUSTA, GA 30904 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 10 Months |
| Due | Nov 8, 2022 |
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 | $4,272 (-97.89%) | $202,500 (-) Land $30,000 Building $172,500 | |
| 2024 | $202,500 (+4,640.17%) Land $30,000 Building $172,500 | $202,500 (+89.61%) Land $30,000 Building $172,500 | |
| 2023 | $6,654.00 | $4,272 | $106,800 |
| 2021 | $3,875.00 | $6,410 | $115,900 Land $20,300 Building $95,600 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 420 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 420 Ferncliffe Rd is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 94% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.01% 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 152 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 |
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