Kershaw County property record for 5 Saughtree Ln W, Elgin, SC 29045
| Property Type | Single Family Home |
|---|---|
| Details | 4,449 sqft · built 2023 |
| Lot Size | 0.369 acres (16,117 sqft) |
| Owner | Individual Name on File |
| Last Sale | $454,150 (Jul 2023) |
| Tax Bill | $8,627 (2025) |
| Deeds & Mortgages | Sep 2023 Mortgage Jul 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 358-00-00-084-SKB |
| Primary APN | 358-00-00-084-SKB |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 4,449 sqft Gross Area |
| Year Built | Built 2023 |
|---|---|
| Exterior Material | Vinyl |
| Roof Material | Composition Shingle |
| Lot Area | 16,117 sqft (0.369 acres) |
| Account Number | 2345 |
|---|---|
| Old Parcel Number | 358-00-00-084 SKB |
| Street Address | 5 SAUGHTREE LN W |
| City | ELGIN |
| State | SC |
| Zip | 29045-8398 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-15 |
| Legal Description | KELSNEY RIDGE SUBDIV PHASE 2-A LOT 84 |
| Legal Subdivision | KELSNEY RIDGE SUBD |
| Legal Phase | 2 |
| Legal Lot Number | 84 |
| Jurisdiction | KERSHAW SC |
| Township / Civil Division | ELGIN |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 970908 |
5 Saughtree Ln W is owned and occupied by an individual who bought it in July 2023.
Source: Kershaw County records, as of November 6, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | 2 Co-owners on File |
| Mailing Address | 5 SAUGHTREE LN W, ELGIN, SC 29045-8398 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 13, 2023 | Deed of Trust, Mortgage · Conventional Mortgage FIRST HERITAGE MORTGAGE LLC |
| Jul 13, 2023 | Limited Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FIRST HERITAGE MORTGAGE LLC |
| Feb 26, 2020 | Grant Deed, Transfer FIRST EXCEL TITLE LLC |
| Feb 16, 2018 | Deed of Trust, Construction Loan · Line of Credit UNITED CMNTY BK |
| Deed Names | 3 Names on Deed |
|---|---|
| Last Sale | Jul 13, 2023 · Amount on File |
| Deed Sale | Jul 13, 2023 · Amount on File |
| Deed Document Number | 2023-5970 |
| Deed Book / Page | 4978 / 285 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KERSHAW SC |
| Property Address | 5 SAUGHTREE LN W, ELGIN, SC 29045-8398 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2024 |
| Name | Verified Name |
|---|---|
| Address | 644 CEDAR STREET, GAITHERSBURG, MD 20877 |
| Document Number | 0020237886 |
|---|---|
| Date | Sep 13, 2023 |
| Book Page | 5013/21 |
| Instrument | 2023-7886 |
| Name | FIRST HERITAGE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | FAIRFAX, VA 22030 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Aug 1, 2053 |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | KERSHAW SC |
| Recording Date | Jul 13, 2023 |
| Property Address | 5 SAUGHTREE LN W, ELGIN, SC 29045-8398 |
| Document Number | 0020235970 |
| Book / Page | 4978 / 285 |
| Map Reference | MB C150 PG 1 |
| Instrument Date | Jul 6, 2023 |
| Instrument | 2023-5970 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Mar 19, 2024 |
| Title Company | NOT AVAILABLE, HARVEY & VALLINI LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,181.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 5 SAUGHTREE LN W, ELGIN, SC 29045-8398 |
| Document Number | 0020235971 |
|---|---|
| Date | Jul 13, 2023 |
| Instrument | 2023-5971 |
| Name | FIRST HERITAGE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2053 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KERSHAW SC |
| Recording Date | Feb 26, 2020 |
| Property Address | 5 SAUGHTREE LN W, ELGIN, SC 29045-8398 |
| Document Number | 0000001711 |
| Book / Page | 004175 / 000051 |
| Instrument Date | Feb 24, 2020 |
| Instrument | 1711 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2020 |
| Title Company | FIRST EXCEL TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $27,802.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 11710 PLAZA AMERICA DR #1100 RESTON VA 201904771, 1100, RESTON, VA 20190-4771 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KERSHAW SC |
| Recording Date | Feb 16, 2018 |
| Property Address | 5 SAUGHTREE LN W, ELGIN, SC 29045-8398 |
| Document Number | 0000001230 |
| Book / Page | 003819 / 000019 |
| Instrument Date | Feb 15, 2018 |
| Instrument | 1230 |
| Transaction Type | Construction Loan |
| Record Updated | Apr 22, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 120 CROMER RD LEXINGTON SC 290739444, LEXINGTON, SC 29073-9444 |
| Investor | Possibly a Property Investor |
| Document Number | 0000001230 |
|---|---|
| Date | Feb 16, 2018 |
| Book Page | 003819/000019 |
| Instrument | 1230 |
| Name | UNITED CMNTY BK |
|---|---|
| Type | Bank |
| Address | 1001 POLK ST NW, MARIETTA, GA 30064-3141 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 5 Saughtree Ln W was $8,627.
Source: Kershaw County assessment roll, as of September 13, 2025
| Type | Name |
|---|---|
| State | South Carolina |
| County | Kershaw County |
| Unified School District | Kershaw County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,627.00 | $454,100 Land $55,000 Building $399,100 | $454,100 |
| 2023 | $1,019.00 (+39.59%) | $55,000 (+37.5%) Land $55,000 | $55,000 (+37.5%) |
| 2022 | $730.00 | $40,000 Land $40,000 | $40,000 Land $40,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 5 Saughtree Ln W in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 28, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 1 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 risk around 5 Saughtree Ln W is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 86% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 142 locations within half a mile, as of December 31, 2025
| Provider | Max 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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