43 Cobble Stone Ln, Elgin, SC 29045 Property Records

Kershaw County property record for 43 Cobble Stone Ln, Elgin, SC 29045

Property Summary

Property Type	Single Family Home
Details	2,535 sqft · built 2002
Lot Size	0.57 acres (24,829 sqft)
Owner	Individual Name on Record
Last Sale	$280,000 (Jan 2026)
Tax Bill	$1,241 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Jan 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`321-02-00-027-SGT`

Property Details

APN / Parcel Number

Primary APN	`321-02-00-027-SGT`
Alternative APN	`43083`

Interior

Stories	1 Story
Building Area	2,535 sqft Gross Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Vinyl
Lot Area	24,829 sqft (0.57 acres)
Garage Type	Attached
Garage Area	504 sqft
Porch	Porch
Porch Area	162 sqft

Location & Zoning

Account Number	43083
Street Address	43 COBBLE STONE LN
City	ELGIN
State	SC
Zip	29045-8323
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Description	COBBLESTONE SUBDIV LOT 27
Legal Subdivision	COBBLESTONE SUBDIV
Legal Lot Number	27
Jurisdiction	KERSHAW SC
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2013
Census Tract	970907

Owner

Source: Kershaw County records, as of May 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	43 COBBLE STONE LN, ELGIN, SC 29045-8323
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2026	Deed of Trust, Mortgage · Second Mortgage (Down Payment) FAIRWAY INDEPENDENT MORTGAGE CORP
Jan 2, 2026	Warranty Deed, Transfer · Second Mortgage (Down Payment) FAIRWAY INDEPENDENT MORTGAGE CORP
Jan 29, 2021	Grant Deed, Transfer · VA Mortgage GUILD MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 2, 2026 · Amount on Record
Deed Sale	Jan 2, 2026 · Amount on Record
Prior Sale	Jan 29, 2021 · Amount on Record
Deed Document Number	20267
Deed Book / Page	5500 / 29
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERSHAW SC
Property Address	43 COBBLE STONE LN, ELGIN, SC 29045-8323
Transaction Type	Mortgage
Record Updated	Feb 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002026845
Date	Jan 29, 2026
Book Page	5515/198
Instrument	2026-845

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	MADISON, WI 53718

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	180 Months
Due	Jan 28, 2041

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KERSHAW SC
Recording Date	Jan 2, 2026
Property Address	43 COBBLE STONE LN, ELGIN, SC 29045-8323
Document Number	0000020267
Book / Page	5500 / 29
Map Reference	MB B32 PG 4
Instrument Date	Dec 23, 2025
Instrument	2026-7
Transaction Type	Transfer
Record Updated	Jan 15, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$728.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43 COBBLE STONE LN, ELGIN, SC 29045-8323

Mortgage

Document Number	0000020269
Date	Jan 2, 2026
Instrument	2026-9

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded

January 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KERSHAW SC
Recording Date	Jan 29, 2021
Property Address	43 COBBLE STONE LN, ELGIN, SC 29045-8323
Document Number	0000001050
Book / Page	004398 / 000011
Instrument Date	Jan 28, 2021
Instrument	1050
Transaction Type	Transfer
Record Updated	Apr 16, 2021
Title Company	OTHER

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$718.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43 COBBLE STONE LN ELGIN SC 290458323, ELGIN, SC 29045-8323

Mortgage

Document Number	1051
Date	Jan 29, 2021
Book Page	004398/000014
Instrument	1051

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 28, 2051

Tax Assessment & Valuation

Source: Kershaw County assessment roll, as of November 7, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,241.00 (-10.27%)	$194,400 (-) Land $24,000 Building $170,400	$194,400 (-)
2023	$1,383.00	$194,400 Land $24,000 Building $170,400	$194,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 28, 2018 · 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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	2 in force

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · above 40% of South Carolina
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 55 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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