Richland County property record for 446 Winding Orchard Rd, Elgin, SC 29045
| Property Type | Planned Unit Development |
|---|---|
| Lot Size | 0.289 acres (12,632 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $729,865 (Apr 2026) |
| Tax Bill | $523 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R28908-04-19 |
| Primary APN | R28908-04-19 |
|---|
| Flooring | Wood |
|---|
| Lot Area | 12,632 sqft |
|---|
| Street Address | 446 WINDING ORCHARD RD |
|---|---|
| City | ELGIN |
| State | SC |
| Zip | 29045-4321 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Planned Unit Development |
| Local Zoning Code | PD |
| Legal Description | LOT 18 67.6X142.4X37.3X86.8X132.8 #SU PECAN ORCHARD PH 1 #PR RB2813-2905 |
| Legal Subdivision | PECAN ORCHARD PHASE 1 |
| Legal Lot Number | 18,67 |
| Jurisdiction | RICHLAND SC |
| Township / Civil Division | PONTIAC |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 11407 |
Source: Richland County records, as of October 20, 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 | 446 WINDING ORCHARD RD, ELGIN, SC 29045-4321 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Apr 28, 2026 | Special Warranty Deed, Transfer · VA Mortgage PULTE MORTGAGE LLC |
| Apr 28, 2026 | Special Warranty Deed, Subdivision Related Transfer · VA Mortgage PULTE MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 28, 2026 · Amount on Record |
| Deed Sale | Apr 28, 2026 · Amount on Record |
| Prior Sale | Jun 3, 2024 · Amount on Record |
| Deed Document Number | 202620020 |
| Deed Book / Page | 3121 / 3507 |
| Record Updated | Oct 29, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Apr 28, 2026 |
| Property Address | 446 WINDING ORCHARD RD, ELGIN, SC 29045-4321 |
| Document Number | 0000020020 |
| Book / Page | 3121 / 3507 |
| Instrument Date | Mar 30, 2026 |
| Instrument | 2026.20020 |
| Transaction Type | Transfer |
| Record Updated | May 13, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $191,662.65 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 446 WINDING ORCHARD RD, ELGIN, SC 29045-4321 |
| Document Number | 0000020021, |
|---|---|
| Date | Apr 28, 2026 |
| Instrument | 2026..20021 |
| Name | PULTE MORTGAGE LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Apr 28, 2026 |
| Property Address | 446 WINDING ORCHARD RD, ELGIN, SC 29045-4321 |
| Document Number | 0031213507 |
| Book / Page | 3121 / 3507 |
| Instrument Date | Mar 30, 2026 |
| Instrument | 202620020 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 28, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $191,662.65 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 446 WINDING ORCHARD RD, ELGIN, SC 29045-4321 |
| Document Number | 0000020021, |
|---|---|
| Date | Apr 28, 2026 |
| Instrument | 202620021 |
| Name | PULTE MORTGAGE LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Max Rate | -1% |
|---|
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 |
|---|---|
| 2025 | $523.00 (+12.23%) |
| 2023 | $466.00 Additional exemption filed |
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 100 ft |
| 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.
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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