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45 Saughtree Ln, Elgin, SC 29045 Property Records

Kershaw County property record for 45 Saughtree Ln, Elgin, SC 29045

Property Summary

Property TypeSingle Family Home
Details3,418 sqft · built 2009
Lot Size0.53 acres (23,087 sqft)
OwnerIndividual Name on Record
Last Sale$251,006 (Sep 2009)
Tax Bill$1,566 (2025)
Deeds & MortgagesJan 2023 Mortgage
Feb 2020 Loan Modification
+ 1 more
Flood ZoneZone X (minimal risk)
APN358-00-00-053-SKB

Property Details

APN / Parcel Number

Primary APN358-00-00-053-SKB
Alternative APN
  • 49754

Interior

Stories2 Stories
Building Area3,418 sqft Gross Area
Gross Area2,874 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2009
Exterior MaterialVinyl
Lot Area23,087 sqft (0.53 acres)
Garage TypeAttached
Garage Area420 sqft
PorchPorch
Porch Area115 sqft

Location & Zoning

Account Number49754
Old Parcel Number358-00-00-053 SKB
Street Address45 SAUGHTREE LN
CityELGIN
StateSC
Zip29045-8374
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-15
Legal DescriptionKELSNEY RIDGE SUBDIV PHASE 1 LOT 53
Legal SubdivisionKELSNEY RIDGE SUBD
Legal Phase1
Legal Lot Number53
JurisdictionKERSHAW SC
Township / Civil DivisionELGIN
Census Block Group2
Census Block2015
Census Tract970908

Owner

Source: Kershaw County records, as of November 6, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address45 SAUGHTREE LN, ELGIN, SC 29045-8374
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 6, 2023Deed of Trust, Mortgage · FHA Mortgage
MIDFIRST BANK
Feb 28, 2020Loan Modification, Mortgage · Conventional Mortgage
MIDFIRST BK
Mar 11, 2019Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 28, 2009 · Amount on Record
Deed SaleSep 28, 2009 · Amount on Record
Prior SaleSep 29, 2009 · Amount on Record
Deed Document Number0025810193
Deed Book / Page002581 / 000193
Last Transfer DateJul 7, 2025
Transfer Doc0020255647
Record UpdatedJun 8, 2026

January 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKERSHAW SC
Property Address45 SAUGHTREE LN, ELGIN, SC 29045-8374
Transaction TypeMortgage
Record UpdatedSep 7, 2023
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

NameVerified Name
Address45 SAUGHTREE LN, ELGIN, SC 29045-8374

Mortgage

Document Number202300000123
DateJan 6, 2023
Book Page4876/34
Instrument202300000123
Lender
NameMIDFIRST BANK
TypeBank
AddressOKLAHOMA CITY, OK 73118
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term326 Months
DueMar 1, 2050

February 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionKERSHAW SC
Property Address45 SAUGHTREE LN, ELGIN, SC 29045-8374
Document Number0000004402
Instrument DateFeb 28, 2020
Transaction TypeMortgage
Record UpdatedJun 23, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address45 SAUGHTREE LN ELGIN SC 290458374, ELGIN, SC 29045-8374

Mortgage

Document Number0000004402
DateMay 26, 2020
Book Page004227/000086
Instrument4402
Lender
NameMIDFIRST BK
TypeBank
AddressOKLAHOMA CITY, OK 73118
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMay 25, 2050
Interest
Rate3.87%

March 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionKERSHAW SC
Recording DateMar 11, 2019
Property Address45 SAUGHTREE LN, ELGIN, SC 29045-8374
Document Number0000001765
Book / Page003995 / 000213
Instrument DateMar 8, 2019
Instrument1765
Transaction TypeTransfer
Record UpdatedApr 22, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address45 SAUGHTREE LN ELGIN SC 290458374, ELGIN, SC 29045-8374

Tax Assessment & Valuation

Source: Kershaw County assessment roll, as of September 13, 2025

Property Jurisdictions

TypeName
StateSouth Carolina
CountyKershaw County
Unified School DistrictKershaw County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,566.00 (-0.63%)$255,500 (-) Land $40,000 Building $215,500$255,500 (-)
2023$1,576.00$255,500 Land $40,000 Building $215,500$255,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 28, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 9 (5% premium discount)
Nearby Flood Policies1 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 64% of the US · lower than 90% of South Carolina
Wildfire Likelihood0.05% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 142 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

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