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497 Palm Sedge Loop, Elgin, SC 29045 Property Records

Richland County property record for 497 Palm Sedge Loop, Elgin, SC 29045 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms3.5 Baths
Year BuiltBuilt 2016
Square Footage4,284 sqft Heated Area
Lot Size17,424 sqft (0.4 acres)
Garage720 sqft
OccupancyOwner Occupied
Last Sale$640 (2016)

Owner

Source: Richland County records · APN 28911-07-06

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 Record2 Individual Names on File
Mailing Address497 PALM SEDGE LOOP, ELGIN, SC 29045-8006
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Sep 13, 2022Deed of Trust, Mortgage · Line of Credit
FIRST CITIZENS BANK & TRUST CO
Nov 20, 2020Deed of Trust, Mortgage · Veterans Administration Mortgage
AMERIS BK
Sep 06, 2018Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 14, 2016 · Amount on Record
Deed SaleMar 14, 2016 · Amount on Record
Prior SaleApr 21, 2015 · Amount on Record
Deed Doc Number201614704
Deed Book / Page2095 / 1057
Record RefreshedSep 20, 2026

September 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionRICHLAND SC
Property Address497 PALM SEDGE LOOP, ELGIN, SC 29045-8006
Transaction TypeMortgage
Record UpdatedApr 11, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address497 PALM SEDGE LOOP, ELGIN, SC 29045-8006

Mortgage

Document Number0027790576
DateSep 13, 2022
Book Page2779/576
Instrument2022051753
Lender
NameFIRST CITIZENS BANK & TRUST CO
TypeBank
AddressRALEIGH, NC 27611
Agreement
TypeLine of Credit
AmountAmount Recorded
Term299 Months
DueAug 29, 2047
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionRICHLAND SC
Property Address497 PALM SEDGE LOOP, ELGIN, SC 29045-8006
Document Number2560/2337
Instrument DateNov 20, 2020
Transaction TypeMortgage
Record UpdatedFeb 15, 2021
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address497 PALM SEDGE LOOP ELGIN SC 290458006, ELGIN, SC 29045-8006

Mortgage

Document Number2560/2337
DateDec 08, 2020
Book Page002560/002337
Instrument68244
Lender
NameAMERIS BK
TypeBank
AddressMARIETTA, GA 30067
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueDec 07, 2050

September 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionRICHLAND SC
Recording DateSep 06, 2018
Property Address497 PALM SEDGE LOOP, ELGIN, SC 29045-8006
Document Number2333/3111
Book / Page002333 / 003111
Instrument DateAug 30, 2018
Instrument65192
Transaction TypeTransfer
Record UpdatedOct 01, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim Document

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address497 PALM SEDGE LOOP ELGIN SC 290458006, ELGIN, SC 29045-8006

Tax Assessment & Valuation

Source: Richland County records · Assessment roll updated July 14, 2026 · Last verified July 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 and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$16,280 (-)$581,900 (+42.97%) Land $81,000 Building $500,900
2023$16,280 (+5.44%)$407,000 (+5.44%)
2022$7,206.00 (+105.42%)
2021$3,508.00$15,440$386,000 Land $60,000 Building $326,000

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

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 APN28911-07-06
Alternative APNs
  • R28911-07-06
  • 02093335

Interior

Bedrooms4 Beds
Full Baths3.5 Baths
Partial Baths1 Partial Baths
Building Area4,284 sqft Heated Area
Gross Area5,310 sqft Gross Area
1st Floor2,858 sqft 1st Floor
Stories2 Stories
Primary FlooringHardwood Flooring
Interior StructureWallboard/Drywall Interior Structure
FireplaceFireplace
Fireplaces1 Fireplaces

Exterior

Year BuiltBuilt 2016
Effective Year BuiltEffective 2016
Architectural StyleConventional Style
Exterior MaterialBrick/Stone (Brick and/or Stone) Exterior
Construction TypeFrame Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area17,424 sqft (0.4 acres)
Parking Spaces3 Parking Spaces
Garage Area720 sqft Garage
Porch Area306 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 Number02093335
Street Address497 PALM SEDGE LOOP
CityELGIN
StateSC
Zip29045-8006
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionLOT 51 138X96.6X107.1X25.7X150.1 #SU CROSSING @WOODCREEK PH 1&2 #PR RB1990-2759/2760
Legal SubdivisionWOODCREEK CROSSING
Legal Phase1&2
Legal Lot Number51,138
JurisdictionRICHLAND SC
Minor Civil DivisionPONTIAC
Census Blockgroup2
Census Block2075
Census Tract11407

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