Richland County property record for 435 Palm Sedge Loop, Elgin, SC 29045 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 5 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2018 |
| Square Footage | 3,606 sqft Heated Area |
| Lot Size | 15,682 sqft (0.36 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $610,000 (2025) |
| Tax Bill | $4,879.00 (2025) |
Source: Richland County records · APN 28910-05-04
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 | 435 PALM SEDGE LOOP, ELGIN, SC 29045-8006 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| May 07, 2021 | Deed of Trust, Mortgage · Veterans Administration Mortgage USAA FSB |
| Aug 12, 2022 | Deed, Transfer · Veterans Administration Mortgage NAVY FCU |
| May 10, 2018 | Grant Deed, Subdivision Related Transfer · Veterans Administration Mortgage AMERIS BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 08, 2025 · Amount on Record |
| Deed Sale | May 08, 2025 · Amount on Record |
| Prior Sale | Aug 12, 2022 · Amount on Record |
| Deed Doc Number | 202520731 |
| Deed Book / Page | 3017 / 2736 |
| Last Transfer Date | May 14, 2025 |
| Transfer Doc | 0030200558 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Property Address | 435 PALM SEDGE LOOP, ELGIN, SC 29045-8006 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0026150831 |
|---|---|
| Date | May 07, 2021 |
| Book Page | 2615/831 |
| Instrument | 2021028338 |
| Name | USAA FSB |
|---|---|
| Type | Bank |
| Address | SAN ANTONIO, TX 78288 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Aug 12, 2022 |
| Property Address | 435 PALM SEDGE LOOP, ELGIN, SC 29045-8006 |
| Document Number | 0027702645 |
| Book / Page | 2770 / 2645 |
| Map Reference | MB 2017 PG 514&515 |
| Instrument Date | Aug 11, 2022 |
| Instrument | 2022045959 |
| Transaction Type | Transfer |
| Record Updated | Apr 11, 2024 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,456.00 |
| Amount Accuracy | From Affidavit or Verified |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 435 PALM SEDGE LOOP, ELGIN, SC 29045-8006 |
| Document Number | 2022045960 |
|---|---|
| Date | Aug 12, 2022 |
| Instrument | 2022045960 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | May 10, 2018 |
| Property Address | 435 PALM SEDGE LOOP, ELGIN, SC 29045-8006 |
| Document Number | 2301/3955 |
| Book / Page | 002301 / 003955 |
| Instrument Date | May 08, 2018 |
| Instrument | 31053 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 30, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,524.94 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 435 PALM SEDGE LOOP ELGIN SC 290458006, ELGIN, SC 29045-8006 |
| Document Number | 2321/1684 |
|---|---|
| Date | May 10, 2018 |
| Book Page | 002321/001684 |
| Instrument | 52044 |
| Name | AMERIS BK |
|---|---|
| Type | Bank |
| Address | MARIETTA, GA 30067 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 09, 2048 |
Source: Richland County records · Assessment roll updated July 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | South Carolina |
| County | Richland County |
| Municipality | Columbia City |
| Unified School District | Richland School District 2 (PK - 12) |
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 | $4,879.00 (-75.11%) | $16,484 (-97.03%) | $554,900 (-) Land $81,000 Building $473,900 |
| 2024 | $554,900 (+3,266.29%) Land $81,000 Building $473,900 | $554,900 (+34.65%) Land $81,000 Building $473,900 | |
| 2023 | $19,606.00 (+423.66%) | $16,484 (+0.02%) | $412,100 (-) |
| 2021 | $3,744.00 | $16,480 | $412,100 Land $60,000 Building $352,100 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 4% of South Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 3,030 per year |
| Exposure | Indirect within ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | 28910-05-04 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 3,606 sqft Heated Area |
| Gross Area | 4,466 sqft Gross Area |
| 1st Floor | 2,508 sqft 1st Floor |
| Stories | 2 Stories |
| Primary Flooring | Wood Flooring |
| Interior Structure | Plaster Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Conventional Style |
| Exterior Material | Brick Veneer Exterior |
| Construction Type | Wood Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 15,682 sqft (0.36 acres) |
| Garage Area | 426 sqft Garage |
| Porch Area | 434 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Sewage | Municipal Sewage |
| Water Source | Commercial Water Source |
| Account Number | 02092862 |
|---|---|
| Street Address | 435 PALM SEDGE LOOP |
| City | ELGIN |
| State | SC |
| Zip | 29045-8006 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 47 105X150.6X105.1X150.1 #SU CROSSING @WOODCREEK PH 1&2 #PR RB1990-2759/2760 2301-3973 |
| Legal Subdivision | WOODCREEK CROSSING |
| Legal Lot Number | 47,105 |
| Jurisdiction | RICHLAND SC |
| Minor Civil Division | PONTIAC |
| Census Blockgroup | 2 |
| Census Block | 2075 |
| Census Tract | 11407 |
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