431 Plantation Pointe Dr, Elgin, SC 29045 Property Records

Richland County property record for 431 Plantation Pointe Dr, Elgin, SC 29045

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,240 sqft · built 2007
Lot Size	0.281 acres (12,248 sqft)
Owner	Individual Name on File
Last Sale	$181,500 (May 2019)
Tax Bill	$7,111 (2025)
Deeds & Mortgages	Nov 2021 Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25902-03-20`

Property Details

APN / Parcel Number

Primary APN	`25902-03-20`
Alternative APNs	`R25902-03-20` `01700751`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,240 sqft Heated Area
Gross Area	2,932 sqft
1st Floor Area	931 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Conventional
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,248 sqft (0.281 acres)
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	209 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	01700751
Street Address	431 PLANTATION POINTE DR
City	ELGIN
State	SC
Zip	29045-8203
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-MD
Legal Description	LOT 105 60X145X65X133.9 #SU PLANTATION POINTE #PR 582-2357
Legal Subdivision	PLANTATION POINTE
Legal Lot Number	60,105
Jurisdiction	RICHLAND SC
Township / Civil Division	PONTIAC
Census Block Group	2
Census Block	2016
Census Tract	11425

Owner

431 Plantation Pointe Dr is owned and occupied by an individual who acquired it in October 2021.

Source: Richland County records, as of July 14, 2026

Owner of Record	Individual Name on File
Mailing Address	431 PLANTATION POINTE DR, ELGIN, SC 29045-8203
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage LAKEVIEW LOAN SERVICING LLC
May 15, 2019	Grant Deed, Transfer · VA Mortgage GUILD MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 15, 2019 · Amount on File
Deed Sale	May 15, 2019 · Amount on File
Prior Sale	Jul 29, 2011
Deed Document Number	201933771
Deed Book / Page	2393 / 2847
Last Transfer Date	Oct 20, 2021
Transfer Doc	0026841250
Record Updated	Sep 20, 2026

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	RICHLAND SC
Recording Date	Nov 4, 2021
Property Address	431 PLANTATION POINTE DR, ELGIN, SC 29045-8203
Document Number	0026841250
Book / Page	2684 / 1250
Map Reference	MB 582 PG 2357
Instrument Date	Oct 20, 2021
Instrument	2021073983
Transaction Type	Transfer
Record Updated	Apr 11, 2024
Title Company	SERVICELINK

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	431 PLANTATION POINTE DR, ELGIN, SC 29045-8203

Mortgage

Document Number	2021073984
Date	Nov 4, 2021
Instrument	2021073984

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RICHLAND SC
Recording Date	May 15, 2019
Property Address	431 PLANTATION POINTE DR, ELGIN, SC 29045-8203
Document Number	2393/2847
Book / Page	002393 / 002847
Instrument Date	Apr 26, 2019
Instrument	33771
Transaction Type	Transfer
Record Updated	Jun 11, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$671.55
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 PLANTATION POINTE DR ELGIN SC 290458203, ELGIN, SC 29045-8203

Mortgage

Document Number	2393/2851
Date	May 15, 2019
Book Page	002393/002851
Instrument	33772

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 14, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 431 Plantation Pointe Dr was $7,111.

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 2 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,111.00 Homeowner's exemption	$208,700 (-)	$287,400 (-) Land $37,500 Building $249,900
2024		$208,700 (+2,774.66%)	$287,400 (+58.35%) Land $37,500 Building $249,900
2023	$6,373.00	$7,260	$181,500
2021	$1,843.00	$7,260	$181,500 Land $30,000 Building $151,500

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.

Flood

FEMA maps place 431 Plantation Pointe Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 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

Wildfire risk around 431 Plantation Pointe Dr is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 98.2% of South Carolina
Wildfire Likelihood	0.03% 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 246 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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