431 Upland Trail Rd, Elgin, SC 29045 Property Records

Richland County property record for 431 Upland Trail Rd, Elgin, SC 29045

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,418 sqft · built 2007
Lot Size	0.587 acres (25,570 sqft)
Owner	2 Individual Names on Record
Last Sale	$167,115 (Aug 2015)
Tax Bill	$3,579 (2025)
Deeds & Mortgages	Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25811-01-15`

Property Details

APN / Parcel Number

Primary APN	`25811-01-15`
Alternative APNs	`R25811-01-15` `01675164`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,418 sqft Heated Area
Gross Area	4,668 sqft
1st Floor Area	1,978 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	25,570 sqft (0.587 acres)
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	482 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	01675164
Street Address	431 UPLAND TRAIL RD
City	ELGIN
State	SC
Zip	29045-8214
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-LD
Legal Description	LOT 21 132.8X152.5X101.6X211.5 #SU GREENHILL PARISH PHASE 1 #PR RB499-2204 RB651-1139/1140
Legal Subdivision	GREENHILL PARISH
Legal Phase	1
Legal Lot Number	21,132
Jurisdiction	RICHLAND SC
Township / Civil Division	PONTIAC
Census Block Group	2
Census Block	2015
Census Tract	11407

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	431 UPLAND TRAIL RD, ELGIN, SC 29045-8214
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2015 · Amount on Record
Deed Sale	Aug 11, 2015 · Amount on Record
Prior Sale	Jul 17, 2009 · Amount on Record
Deed Document Number	201558973
Deed Book / Page	2049 / 2179
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	431 UPLAND TRAIL RD, ELGIN, SC 29045-8214
Document Number	2557/3207
Instrument Date	Nov 4, 2020
Transaction Type	Mortgage
Record Updated	Feb 11, 2021
Title Company	ACCURATE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	431 UPLAND TRAIL RD ELGIN SC 290458214, ELGIN, SC 29045-8214

Mortgage

Document Number	2557/3207
Date	Dec 3, 2020
Book Page	002557/003207
Instrument	66621

Lender

Name	FIRST INTERNET BK/IN
Type	Bank
Address	FISHERS, IN 46037

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 2, 2050

Tax Assessment & Valuation

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	$3,579.00 (+14.82%)	$386,400 (+2,775%)	$478,000 (+42.26%) Land $44,000 Building $434,000
2023	$3,117.00 (-0.64%)	$13,440 (-)	$336,000 (-)
2021	$3,137.00	$13,440	$336,000 Land $40,000 Building $296,000

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

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 Record median of 31 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	31 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

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	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 296 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