434 Palm Sedge Loop, Elgin, SC 29045 Property Records

Richland County property record for 434 Palm Sedge Loop, Elgin, SC 29045 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	5 Beds
Bathrooms	5 Baths
Year Built	Built 2016
Square Footage	4,371 sqft Heated Area
Lot Size	19,824 sqft (0.455 acres)
Occupancy	Owner Occupied
Last Sale	$601,500 (2025)
Tax Bill	$3,833.00 (2025)

Owner

Source: Richland County records · APN 28910-04-15

Assessment roll updated July 14, 2026 · Last verified July 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 File
Mailing Address	434 PALM SEDGE LOOP, ELGIN, SC 29045-8006
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 17, 2025 · Amount on Record
Deed Sale	Oct 17, 2025 · Amount on Record
Prior Sale	Aug 24, 2016 · Amount on Record
Deed Doc Number	202549611
Deed Book / Page	3065 / 3019
Record Refreshed	Sep 20, 2026

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	RICHLAND SC
Recording Date	Oct 17, 2025
Property Address	434 PALM SEDGE LOOP, ELGIN, SC 29045-8006
Document Number	0030653019
Book / Page	3065 / 3019
Map Reference	MB 2017 PG 514
Instrument Date	Oct 16, 2025
Instrument	2025049611
Transaction Type	Transfer
Record Updated	Oct 31, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,563.90
Amount Accuracy	From Affidavit or Verified
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenant/Joint Tenant w/ Right Of Survivorship
Address	434 PALM SEDGE LOOP, ELGIN, SC 29045-8006

Mortgage

Document Number	2025049612
Date	Oct 17, 2025
Instrument	2025049612

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2055

Tax Assessment & Valuation

Source: Richland County records · Assessment roll updated July 14, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	South Carolina
County	Richland County
Municipality	Columbia City
Unified School District	Richland School District 2 (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,833.00 (+17.5%)	$15,164 (-)	$534,900 (+41.1%) Land $81,000 Building $453,900
2023	$3,262.00 (-5.28%)	$15,164 (+0.03%)	$379,100 (-)
2021	$3,444.00	$15,160	$379,100 Land $60,000 Building $319,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Richland County (45079C), updated September 13, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Low above 35% of the US · above 9% of South Carolina
Wildfire Likelihood	About 1 in 2,083 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN	`28910-04-15`
Alternative APNs	`R28910-04-15` `02092808`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Partial Baths	1 Partial Baths
Building Area	4,371 sqft Heated Area
Gross Area	5,293 sqft Gross Area
1st Floor	2,222 sqft 1st Floor
Stories	2 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Conventional Style
Exterior Material	Brick/Stone (Brick and/or Stone) Exterior
Construction Type	Frame Construction
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	19,824 sqft (0.455 acres)
Parking Spaces	2 Parking Spaces
Garage Area	694 sqft Garage
Porch Area	228 sqft Porch

Utilities and HVAC

Heating System	Forced Air with Air Conditioning Heating
Heating Fuel	Electric Heating Fuel
Sewage	Municipal Sewage
Water Source	Commercial Water Source

Location & Zoning

Account Number	02092808
Street Address	434 PALM SEDGE LOOP
City	ELGIN
State	SC
Zip	29045-8006
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LOT 20 110.6X150X98.8X159.6X44.3 #SU CROSSING @WOODCREEK PH 1&2 #PR RB1990-2759/2760
Legal Subdivision	WOODCREEK CROSSING
Legal Phase	1&2
Legal Lot Number	20,110
Jurisdiction	RICHLAND SC
Minor Civil Division	PONTIAC
Census Blockgroup	2
Census Block	2073
Census Tract	11407