Kershaw County property record for 45 Sumner St, Elgin, SC 29045 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Year Built | Built 2005 |
| Square Footage | 4,848 sqft Gross Area |
| Lot Size | 30,492 sqft (0.7 acres) |
| Garage | Attached, 441 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $572,000 (2026) |
| Tax Bill | $2,073.00 (2025) |
Source: Kershaw County records · APN 348-04-00-045-SGA
Assessment roll updated November 7, 2025 · Last verified April 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 | 45 SUMNER ST, ELGIN, SC 29045-9468 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Apr 06, 2026 | Deed, Transfer · Conventional Mortgage NONE LISTED ON DOCUMENT |
| Sep 10, 2025 | Deed of Trust, Mortgage · Conventional Mortgage SCHUMACHER MORTGAGE LLC |
| Sep 22, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MTG |
| Feb 05, 2018 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 06, 2026 · Amount on Record |
| Deed Sale | Apr 06, 2026 · Amount on Record |
| Prior Sale | Nov 11, 2005 · Amount on Record |
| Deed Doc Number | 20263163 |
| Deed Book / Page | 5562 / 29 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | KERSHAW SC |
| Recording Date | Apr 06, 2026 |
| Property Address | 45 SUMNER ST, ELGIN, SC 29045-9468 |
| Document Number | 0000003163 |
| Book / Page | 5562 / 29 |
| Instrument Date | Apr 06, 2026 |
| Instrument | 20263163 |
| Transaction Type | Transfer |
| Record Updated | Apr 15, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $150,207.20 |
| Amount Accuracy | Calculated from Tax (Full/Partial Unknown) |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 45 SUMNER ST, ELGIN, SC 29045-9468 |
| Investor | Possibly a Property Investor |
| Document Number | 0000003164, |
|---|---|
| Date | Apr 06, 2026 |
| Instrument | 20263164 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.01% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KERSHAW SC |
| Property Address | 45 SUMNER ST, ELGIN, SC 29045-9468 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Name | Verified Name |
|---|---|
| Address | 45 SUMNER ST, ELGIN, SC 29045-9468 |
| Document Number | 0020257569 |
|---|---|
| Date | Sep 10, 2025 |
| Book Page | 5425/229 |
| Instrument | 2025-7569 |
| Name | SCHUMACHER MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CANTON, OH 44708 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Sep 01, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KERSHAW SC |
| Property Address | 45 SUMNER ST, ELGIN, SC 29045-9468 |
| Document Number | 0000008959 |
| Instrument Date | Sep 22, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 45 SUMNER ST ELGIN SC 290459468, ELGIN, SC 29045-9468 |
| Document Number | 0000008959 |
|---|---|
| Date | Sep 29, 2020 |
| Book Page | 004311/000116 |
| Instrument | 8959 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | 907 PLEASANT VALLEY AVE, MOUNT LAUREL, NJ 08054-1210 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Sep 28, 2030 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KERSHAW SC |
| Property Address | 45 SUMNER ST, ELGIN, SC 29045-9468 |
| Document Number | 0000001052 |
| Instrument Date | Feb 05, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 22, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 45 SUMNER ST ELGIN SC 290459468, ELGIN, SC 29045-9468 |
| Document Number | 0000001052 |
|---|---|
| Date | Feb 12, 2018 |
| Book Page | 003816/000088 |
| Instrument | 1052 |
| Name | FIRST CITIZENS BK |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611-6592 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Feb 11, 2043 |
| Rate Type | Adjustable Rate |
|---|
Source: Kershaw County records · Assessment roll updated November 7, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | South Carolina |
| County | Kershaw County |
| Unified School District | Kershaw County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,073.00 (-26.07%) | $350,500 (-) Land $50,000 Building $300,500 | $350,500 (-) |
| 2023 | $2,804.00 | $350,500 Land $50,000 Building $300,500 | $350,500 |
Source: FEMA National Flood Hazard Layer, Kershaw County (45055C), updated September 28, 2018 · 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 38% of the US · above 14% of South Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 2,128 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | 348-04-00-045-SGA |
|---|---|
| Alternative APN |
|
| Building Area | 4,848 sqft Gross Area |
|---|---|
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Brick Exterior |
| Lot Area | 30,492 sqft (0.7 acres) |
| Garage Type | Attached Garage |
| Garage Area | 441 sqft Garage |
| Deck Area | 231 sqft Deck |
| Porch | 1 Porch |
| Porch Area | 285 sqft Porch |
| Account Number | 38768 |
|---|---|
| Street Address | 45 SUMNER ST |
| City | ELGIN |
| State | SC |
| Zip | 29045-9468 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Subdivision | STRATFORD PLANTATION |
| Jurisdiction | KERSHAW SC |
| Minor Civil Division | ELGIN |
| Census Blockgroup | 1 |
| Census Block | 1000 |
| Census Tract | 970908 |
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