Richland County property record for 445 Winding Orchard Rd, Elgin, SC 29045
| Details | 3 bd · 2.5 ba · 2,205 sqft · built 2025 |
|---|---|
| Lot Size | 0.339 acres (14,810 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $469,862 (Aug 2025) |
| Tax Bill | $523 (2025) |
| Deeds & Mortgages | Nov 2025 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | R28908-04-12 |
| Primary APN | R28908-04-12 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,205 sqft Living Area |
| Flooring | Wood |
| Year Built | Built 2025 |
|---|---|
| Effective Year Built | Effective 2025 |
| Lot Area | 14,810 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 445 WINDING ORCHARD RD |
|---|---|
| City | ELGIN |
| State | SC |
| Zip | 29045-4321 |
| Property Category | Other |
| Property Type | Unknown |
| Local Zoning Code | PD |
| Legal Description | LOT 11 189.6X125X136.1X23.5 #SU PECAN ORCHARD PH 1 #PR RB2813-2905 |
| Legal Subdivision | PECAN ORCHARD PHASE 1 |
| Legal Lot Number | 11,189 |
| Jurisdiction | RICHLAND SC |
| Township / Civil Division | PONTIAC |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 11407 |
445 Winding Orchard Rd is owned by two individuals who bought it in August 2025.
Source: Richland County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 445 WINDING ORCHARD RD, ELGIN, SC 29045-4321 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 18, 2025 · Amount on File |
| Deed Sale | Aug 18, 2025 · Amount on File |
| Deed Document Number | 202538980 |
| Deed Book / Page | 3048 / 863 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Property Address | 445 WINDING ORCHARD RD, ELGIN, SC 29045-4321 |
| Transaction Type | Mortgage |
| Record Updated | Nov 18, 2025 |
| Name | Verified Name |
|---|---|
| Address | 445 WINDING ORCHARD RD, ELGIN, SC 29045-4321 |
| Document Number | 0030711607 |
|---|---|
| Date | Nov 4, 2025 |
| Book Page | 3071/1607 |
| Instrument | 2025052934 |
| Name | SYNOVUS BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, GA 31901 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Oct 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 445 Winding Orchard Rd was $523.
Source: Richland County assessment roll, as of July 14, 2026
| Type | Name |
|---|---|
| State | South Carolina |
| County | Richland County |
| Municipality | Columbia City |
| Unified School District | Richland School District 2 (PK - 12) |
| Year | Tax Bill | Assessed Market Value |
|---|---|---|
| 2025 | $523.00 | $80,000 Land $80,000 |
| 2023 | $466.00 Additional exemption filed |
Assessed market value is set for property tax purposes and is not a market price estimate.
FEMA maps place 445 Winding Orchard Rd 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 |
| Flood Insurance Cost | Premium on File 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 risk around 445 Winding Orchard Rd is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 91% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 49 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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