Richland County property record for 5 Spears Ct, Elgin, SC 29045 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,807 sqft · built 2005 |
| Lot Size | 0.114 acres (4,985 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $223,000 (Apr 2024) |
| Tax Bill | $7,572 (2025) |
| Deeds & Mortgages | Apr 2024 Mortgage May 2019 Sale & Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 25810-02-16 |
| Primary APN | 25810-02-16 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,807 sqft Heated Area |
| Gross Area | 2,210 sqft |
| 1st Floor Area | 777 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Contemporary |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 4,985 sqft (0.114 acres) |
| Garage Area | 253 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 150 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 01805666 |
|---|---|
| Street Address | 5 SPEARS CT |
| City | ELGIN |
| State | SC |
| Zip | 29045-8261 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 86 44.3X90.2X60.6X82.3 #SU SPEARS CREEK VILLAGE PH I #PR RB970-3129 RB1092-3711 |
| Legal Subdivision | SPEARS CREEK VILLAGE |
| Legal Phase | 1 |
| Legal Lot Number | 44,86 |
| Jurisdiction | RICHLAND SC |
| Township / Civil Division | PONTIAC |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 11414 |
Source: Richland County records · APN 25810-02-16
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 5 SPEARS CT, ELGIN, SC 29045-8261 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
| Date | Document |
|---|---|
| Apr 22, 2024 | Deed of Trust, Mortgage · FHA Mortgage GUILD MORTGAGE CO |
| May 30, 2019 | Grant Deed, Transfer · Line of Credit NAVY FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 22, 2024 · Amount on Record |
| Deed Sale | Apr 22, 2024 · Amount on Record |
| Prior Sale | May 30, 2019 · Amount on Record |
| Deed Document Number | 202417127 |
| Deed Book / Page | 2917 / 242 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Property Address | 5 SPEARS CT, ELGIN, SC 29045-8261 |
| Transaction Type | Mortgage |
| Record Updated | May 06, 2024 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0029170248 |
|---|---|
| Date | Apr 22, 2024 |
| Book Page | 2917/248 |
| Instrument | 2024017128 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | 5887 COPLEY DR, SAN DIEGO, CA 92111 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2054 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | May 30, 2019 |
| Property Address | 5 SPEARS CT, ELGIN, SC 29045-8261 |
| Document Number | 2397/1179 |
| Book / Page | 002397 / 001179 |
| Instrument Date | May 28, 2019 |
| Instrument | 37053 |
| Transaction Type | Transfer |
| Record Updated | Jun 20, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $551.30 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5 SPEARS CT ELGIN SC 290458261, ELGIN, SC 29045-8261 |
| Document Number | 2397/1182 |
|---|---|
| Date | May 30, 2019 |
| Book Page | 002397/001182 |
| Instrument | 37054 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 29, 2049 |
| 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 |
| 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 | $7,572.00 (+377.13%) | $197,280 (+32.4%) | |
| 2023 | $1,587.00 (+1.02%) | ||
| 2021 | $1,571.00 | $5,960 | $149,000 Land $24,000 Building $125,000 |
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 |
| Wildfire Risk | Low above 32% of the US · above 6% of South Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 3,333 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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