Richland County property record for 480 Palm Sedge Loop, Elgin, SC 29045 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 4 Baths |
| Year Built | Built 2016 |
| Square Footage | 4,042 sqft Heated Area |
| Lot Size | 17,795 sqft (0.408 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $660,000 (2026) |
| Tax Bill | $3,818.00 (2025) |
Source: Richland County records · APN 28911-06-10
Assessment roll updated July 14, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 480 PALM SEDGE LOOP, ELGIN, SC 29045-8006 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jul 17, 2026 | Deed, Transfer NONE LISTED ON DOCUMENT |
| Jul 01, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PALMETTO CITIZENS FCU |
| Dec 22, 2025 | Deed of Trust, Mortgage · Line of Credit PALMETTO CITIZENS FCU |
| May 27, 2026 | Deed of Trust, Mortgage · Veterans Administration Mortgage MOVEMENT MORTGAGE |
| May 14, 2026 | Deed, Transfer · Veterans Administration Mortgage MOVEMENT MORTGAGE |
| Jan 18, 2017 | Grant Deed, Mortgage · Line of Credit FIFTH THIRD BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 14, 2026 · Amount on Record |
| Deed Sale | May 14, 2026 · Amount on Record |
| Prior Sale | Dec 28, 2016 · Amount on Record |
| Deed Doc Number | 202623212 |
| Deed Book / Page | 3127 / 1724 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Jul 17, 2026 |
| Property Address | 480 PALM SEDGE LOOP, ELGIN, SC 29045-8006 |
| Document Number | 0000035402 |
| Book / Page | 3148 / 1569 |
| Instrument Date | Jul 16, 2026 |
| Instrument | 202635402 |
| Transaction Type | Transfer |
| Record Updated | Jul 30, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 480 PALM SEDGE LOOP, ELGIN, SC 29045-8006 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Property Address | 480 PALM SEDGE LOOP, ELGIN, SC 29045-8006 |
| Transaction Type | Mortgage |
| Record Updated | Jun 01, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0026371888 |
|---|---|
| Date | Jul 01, 2021 |
| Book Page | 2637/1888 |
| Instrument | 2021043140 |
| Name | PALMETTO CITIZENS FCU |
|---|---|
| Type | Credit Union |
| Address | COLUMBIA, SC 29250 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Property Address | 480 PALM SEDGE LOOP, ELGIN, SC 29045-8006 |
| Transaction Type | Mortgage |
| Record Updated | Jun 01, 2026 |
| Name | Verified Name |
|---|---|
| Address | 480 PALM SEDGE LOOP, ELGIN, SC 29045-8006 |
| Document Number | 0030843563 |
|---|---|
| Date | Dec 22, 2025 |
| Book Page | 3084/3563 |
| Instrument | 2025060655 |
| Name | PALMETTO CITIZENS FCU |
|---|---|
| Type | Credit Union |
| Address | COLUMBIA, SC 29250 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Dec 21, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | May 27, 2026 |
| Property Address | 480 PALM SEDGE LOOP, ELGIN, SC 29045-8006 |
| Document Number | 0000025403 |
| Book / Page | 3131 / 661 |
| Instrument Date | May 13, 2026 |
| Instrument | 202625403 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 10843 PRESERVATION PARK DR, CHARLOTTE, NC 28214-5431 |
| Document Number | 0000025403, |
|---|---|
| Date | May 27, 2026 |
| Book Page | 3131/661 |
| Instrument | 202625403 |
| Name | MOVEMENT MORTGAGE |
|---|
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2056 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | May 14, 2026 |
| Property Address | 480 PALM SEDGE LOOP, ELGIN, SC 29045-8006 |
| Document Number | 0000023212 |
| Book / Page | 3127 / 1724 |
| Instrument Date | May 11, 2026 |
| Instrument | 2026.23212 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $173,316.00 |
| Amount Accuracy | Calculated from Tax (Full/Partial Unknown) |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 480 PALM SEDGE LOOP, ELGIN, SC 29045-8006 |
| Document Number | 0000023213, |
|---|---|
| Date | May 14, 2026 |
| Instrument | 2026..23213 |
| Name | MOVEMENT MORTGAGE |
|---|
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2056 |
| Rate | 6.46% |
|---|---|
| Max Rate | -1% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Jan 18, 2017 |
| Property Address | 480 PALM SEDGE LOOP, ELGIN, SC 29045-8006 |
| Book / Page | 00218 / 002765 |
| Instrument Date | Dec 16, 2016 |
| Instrument | 3328 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 120 CROMER RD LEXINGTON SC 290739444, LEXINGTON, SC 29073-9444 |
| Investor | Possibly a Property Investor |
| Document Number | 2180/2765 |
|---|---|
| Date | Jan 18, 2017 |
| Book Page | 002180/002765 |
| Instrument | 3328 |
| Name | FIFTH THIRD BK |
|---|---|
| Type | Bank |
| Address | 3344 PEACHTREE RD NE # 900, ATLANTA, GA 30326-4829 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Richland County records · Assessment roll updated July 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | South Carolina |
| County | Richland County |
| Municipality | Columbia City |
| Unified School District | Richland School District 2 (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,818.00 (+17.51%) | $15,104 (-96.52%) | $550,000 (-) Land $81,000 Building $469,000 |
| 2024 | $434,200 (+2,774.74%) | $550,000 (+45.66%) Land $81,000 Building $469,000 | |
| 2023 | $3,249.00 (-5.3%) | $15,104 (+0.03%) | $377,600 (-) |
| 2021 | $3,431.00 | $15,100 | $377,600 Land $60,000 Building $317,600 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Moderate above 43% of the US · above 30% of South Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 1,923 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 | 28911-06-10 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Building Area | 4,042 sqft Heated Area |
| Gross Area | 5,258 sqft Gross Area |
| 1st Floor | 1,912 sqft 1st Floor |
| Stories | 2 Stories |
| Primary Flooring | Hardwood Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Conventional Style |
| Exterior Material | Brick/Stone (Brick and/or Stone) Exterior |
| Construction Type | Frame Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 17,795 sqft (0.408 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Area | 685 sqft Garage |
| Porch Area | 531 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Heating Fuel | Electric Heating Fuel |
| Sewage | Municipal Sewage |
| Water Source | Commercial Water Source |
| Account Number | 02093273 |
|---|---|
| Street Address | 480 PALM SEDGE LOOP |
| City | ELGIN |
| State | SC |
| Zip | 29045-8006 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 15 95X164.7X128.8X44.3X105.9 #SU CROSSING @WOODCREEK PH 1&2 #PR RB1990-2759/2760 |
| Legal Subdivision | WOODCREEK CROSSING |
| Legal Phase | 3 |
| Legal Lot Number | 15,95 |
| Jurisdiction | RICHLAND SC |
| Minor Civil Division | PONTIAC |
| Census Blockgroup | 2 |
| Census Block | 2073 |
| Census Tract | 11407 |
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