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451 Palm Sedge Loop, Elgin, SC 29045 Property Records

Richland County property record for 451 Palm Sedge Loop, Elgin, SC 29045 · Last verified August 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms5 Beds
Bathrooms4 Baths
Year BuiltBuilt 2017
Square Footage3,573 sqft Heated Area
Lot Size15,682 sqft (0.36 acres)
Garage420 sqft
OccupancyOwner Occupied
Last Sale$376,000 (2018)

Owner

Source: Richland County records · APN 28910-05-02

Assessment roll updated July 14, 2026 · Last verified August 2026

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

Owner of RecordIndividual Name on File
Mailing Address451 PALM SEDGE LOOP, ELGIN, SC 29045-8006
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Aug 10, 2020Deed of Trust, Mortgage · Veterans Administration Mortgage
FREEDOM MTG
Nov 07, 2019Deed of Trust, Mortgage · Veterans Administration Mortgage
FREEDOM MTG
Jun 30, 2017Grant Deed, Subdivision Related Transfer · Veterans Administration Mortgage
AMERIS BK
Jan 18, 2018Grant Deed, Subdivision Related Transfer
ATTORNEY ONLY
Jun 28, 2017Deed of Trust, Mortgage · Veterans Administration Mortgage
AMERIS BK

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJan 18, 2018 · Amount on Record
Deed SaleJan 18, 2018 · Amount on Record
Prior SaleJun 30, 2017 · Amount on Record
Deed Doc Number20182477
Deed Book / Page2274 / 600
Record RefreshedSep 20, 2026

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionRICHLAND SC
Property Address451 PALM SEDGE LOOP, ELGIN, SC 29045-8006
Document Number2524/3109
Instrument DateAug 10, 2020
Transaction TypeMortgage
Record UpdatedNov 06, 2020
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
Address451 PALM SEDGE LOOP ELGIN SC 290458006, ELGIN, SC 29045-8006

Mortgage

Document Number2524/3109
DateSep 02, 2020
Book Page002524/003109
Instrument45101
Lender
NameFREEDOM MTG
TypeMortgage Company
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term324 Months
DueSep 01, 2047

November 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionRICHLAND SC
Property Address451 PALM SEDGE LOOP, ELGIN, SC 29045-8006
Document Number2445/1644
Instrument DateNov 07, 2019
Transaction TypeMortgage
Record UpdatedDec 05, 2019
Title CompanyINSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address451 PALM SEDGE LOOP ELGIN SC 290458006, ELGIN, SC 29045-8006

Mortgage

Document Number2445/1644
DateNov 13, 2019
Book Page002445/001644
Instrument85195
Lender
NameFREEDOM MTG
TypeMortgage Company
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term336 Months
DueNov 12, 2047

June 2017: Grant Deed, Subdivision Related Transfer

Document TypeGrant Deed
JurisdictionRICHLAND SC
Recording DateJun 30, 2017
Property Address451 PALM SEDGE LOOP, ELGIN, SC 29045-8006
Document Number2224/0123
Book / Page002224 / 000123
Instrument DateJun 28, 2017
Instrument49340
Transaction TypeSubdivision Related Transfer
Record UpdatedJul 18, 2017
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,391.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address451 PALM SEDGE LOOP ELGIN SC 29045, ELGIN, SC 29045

Mortgage

Document Number2224/0127
DateJun 30, 2017
Book Page002224/000127
Instrument49341
Lender
NameAMERIS BK
TypeBank
AddressMARIETTA, GA 30067
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueJun 29, 2047

January 2018: Grant Deed, Subdivision Related Transfer

Document TypeGrant Deed
JurisdictionRICHLAND SC
Recording DateJan 18, 2018
Property Address451 PALM SEDGE LOOP, ELGIN, SC 29045-8006
Document Number2274/0600
Book / Page002274 / 000600
Instrument DateJun 28, 2017
Instrument2477
Transaction TypeSubdivision Related Transfer
Record UpdatedJan 30, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$1,391.20
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address451 PALM SEDGE LOOP ELGIN SC 290458006, ELGIN, SC 29045-8006

June 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionRICHLAND SC
Property Address451 PALM SEDGE LOOP, ELGIN, SC 29045-8006
Document Number2274/0604
Instrument DateJun 28, 2017
Transaction TypeMortgage
Record UpdatedMay 31, 2019
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
Address451 PALM SEDGE LOOP ELGIN SC 290458006, ELGIN, SC 29045-8006

Mortgage

Document Number2274/0604
DateJan 18, 2018
Book Page002274/000604
Instrument2478
Lender
NameAMERIS BK
TypeBank
AddressMARIETTA, GA 30067
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueJan 17, 2048

Tax Assessment & Valuation

Source: Richland County records · Assessment roll updated July 14, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateSouth Carolina
CountyRichland County
MunicipalityColumbia City
Unified School DistrictRichland School District 2 (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$512,900 (+36.41%) Land $81,000 Building $431,900
2023$15,040 (-)$376,000 (-)
2022$6,656.00 (+94.79%)
2021$3,417.00$15,040$376,000 Land $60,000 Building $316,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Richland County (45079C), updated September 13, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft

Wildfire

Wildfire RiskLow
above 35% of the US · above 9% of South Carolina
Wildfire LikelihoodAbout 1 in 2,083 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values are read at the parcel center point; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN28910-05-02
Alternative APNs
  • R28910-05-02
  • 02092844

Interior

Bedrooms5 Beds
Full Baths4 Baths
Building Area3,573 sqft Heated Area
Gross Area4,748 sqft Gross Area
1st Floor1,630 sqft 1st Floor
Stories2 Stories
Primary FlooringHardwood Flooring
Interior StructureWallboard/Drywall Interior Structure
FireplaceFireplace
Fireplaces1 Fireplaces

Exterior

Year BuiltBuilt 2017
Effective Year BuiltEffective 2017
Architectural StyleConventional Style
Exterior MaterialBrick/Stone (Brick and/or Stone) Exterior
Construction TypeFrame Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area15,682 sqft (0.36 acres)
Parking Spaces2 Parking Spaces
Garage Area420 sqft Garage
Porch Area755 sqft Porch

Utilities and HVAC

Heating SystemForced Air with Air Conditioning Heating
Heating FuelElectric Heating Fuel
SewageMunicipal Sewage
Water SourceCommercial Water Source

Location & Zoning

Account Number02092844
Street Address451 PALM SEDGE LOOP
CityELGIN
StateSC
Zip29045-8006
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionLOT 49 105X150X105X150 #SU CROSSING @WOODCREEK PH 1&2 #PR RB1990-2759/2760 2224-141
Legal SubdivisionWOODCREEK CROSSING
Legal Lot Number49,105
JurisdictionRICHLAND SC
Minor Civil DivisionPONTIAC
Census Blockgroup2
Census Block2075
Census Tract11407

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