Kershaw County property record for 45 Desert Rose Ct, Elgin, SC 29045
| Property Type | Single Family Home |
|---|---|
| Details | 2,832 sqft · built 2024 |
| Lot Size | 0.739 acres (32,234 sqft) |
| Owner | Individual Name on File |
| Last Sale | $335,000 (May 2022) |
| Tax Bill | $617 (2025) |
| Deeds & Mortgages | May 2020 Sale & Mortgage Apr 2020 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 307-00-00-012-SKH |
| Primary APN | 307-00-00-012-SKH |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,832 sqft Gross Area |
| Gross Area | 2,237 sqft |
| Year Built | Built 2024 |
|---|---|
| Exterior Material | Vinyl |
| Roof Material | Composition Shingle |
| Lot Area | 32,234 sqft (0.739 acres) |
| Account Number | 867 |
|---|---|
| Old Parcel Number | 307-00-00-012 SKH |
| Street Address | 45 DESERT ROSE CT |
| City | ELGIN |
| State | SC |
| Zip | 29045-7002 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-15 |
| Legal Description | LONGVIEW SUBDIV NORTH LOT 12 |
| Legal Subdivision | LONGVIEW SUBDIV |
| Legal Lot Number | 12 |
| Jurisdiction | KERSHAW SC |
| Township / Civil Division | ELGIN |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 970907 |
45 Desert Rose Ct is owned and occupied by an individual who bought it in May 2022.
Source: Kershaw County records, as of November 6, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 45 DESERT ROSE CT, ELGIN, SC 29045-7002 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 20, 2020 | Grant Deed, Transfer · VA Mortgage TRUIST BK |
| Apr 7, 2020 | Deed of Trust, Mortgage · Line of Credit MID CAROLINA CU |
| Nov 8, 2018 | Grant Deed, Transfer · Conventional Mortgage GUILD MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 10, 2022 · Amount on File |
| Deed Sale | May 10, 2022 · Amount on File |
| Deed Document Number | 0000473910 |
| Record Updated | Jun 8, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KERSHAW SC |
| Recording Date | May 20, 2020 |
| Property Address | 45 DESERT ROSE CT, ELGIN, SC 29045-7002 |
| Document Number | 0000004316 |
| Book / Page | 004225 / 000167 |
| Instrument Date | May 19, 2020 |
| Instrument | 4316 |
| Transaction Type | Transfer |
| Record Updated | Jun 16, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $851.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 45 DESERT ROSE CT ELGIN SC 290457002, ELGIN, SC 29045-7002 |
| Document Number | 4317 |
|---|---|
| Date | May 20, 2020 |
| Book Page | 004225/000170 |
| Instrument | 4317 |
| Name | TRUIST BK |
|---|---|
| Address | WILSON, NC 27893 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 19, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KERSHAW SC |
| Property Address | 45 DESERT ROSE CT, ELGIN, SC 29045-7002 |
| Document Number | 0000003224 |
| Instrument Date | Apr 7, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 19, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 45 DESERT ROSE CT ELGIN SC 290457002, ELGIN, SC 29045-7002 |
| Document Number | 0000003224 |
|---|---|
| Date | Apr 14, 2020 |
| Book Page | 004204/000141 |
| Instrument | 3224 |
| Name | MID CAROLINA CU |
|---|---|
| Type | Credit Union |
| Address | LUGOFF, SC 29078 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Apr 13, 2045 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KERSHAW SC |
| Recording Date | Nov 8, 2018 |
| Property Address | 45 DESERT ROSE CT, ELGIN, SC 29045-7002 |
| Document Number | 0000008866 |
| Book / Page | 003944 / 000166 |
| Instrument Date | Nov 6, 2018 |
| Instrument | 8866 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $770.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 45 DESERT ROSE CT ELGIN SC 290457002, ELGIN, SC 29045-7002 |
| Document Number | 8867 |
|---|---|
| Date | Nov 8, 2018 |
| Book Page | 003944/000168 |
| Instrument | 8867 |
| Name | GUILD MTG |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92111 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 7, 2048 |
The 2025 property tax bill for 45 Desert Rose Ct was $617.
Source: Kershaw County assessment roll, as of September 13, 2025
| Type | Name |
|---|---|
| State | South Carolina |
| County | Kershaw County |
| Unified School District | Kershaw County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $617.00 | $335,000 Land $27,000 Building $308,000 | $335,000 |
| 2023 | $235.00 | $29,000 Land $27,000 Building $2,000 | $29,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 45 Desert Rose Ct in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 28, 2018 · 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 |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 2 in force |
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 45 Desert Rose Ct is moderate, ranking above 40% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · lower than 78% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.08% 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 | LUGOFF ELGIN WATER AUTH serves 25,783 people · EPA ID SC2820001 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2026 |
| Lead | 2 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 68 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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