Richland County property record for 512 Silver Spoon Ln, Elgin, SC 29045
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,184 sqft · built 2007 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | Company Name on Record |
| Last Sale | $154,999 (Dec 2018) |
| Tax Bill | $1,866 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage May 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25906-09-04 |
| Primary APN | 25906-09-04 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,184 sqft Heated Area |
| Gross Area | 2,920 sqft |
| 1st Floor Area | 912 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Conventional |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,276 sqft (0.19 acres) |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 544 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 01944114 |
|---|---|
| Street Address | 512 SILVER SPOON LN |
| City | ELGIN |
| State | SC |
| Zip | 29045-7102 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PDD |
| Legal Description | LOT 16 63.8X126.7X63.2X131 #SU JACOBS CREEK PH 1 & 3 #PR RB1282-2545 |
| Legal Subdivision | JACOBS CREEK |
| Legal Lot Number | 16,63 |
| Jurisdiction | RICHLAND SC |
| Township / Civil Division | PONTIAC |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 11425 |
Source: Richland County records, as of July 14, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on Record |
|---|---|
| Owner Type | Company |
| Date | Document |
|---|---|
| Mar 31, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| May 11, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG |
| Dec 14, 2018 | Grant Deed, Transfer · FHA Mortgage TOWNE MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 14, 2018 · Amount on Record |
| Deed Sale | Dec 14, 2018 · Amount on Record |
| Prior Sale | Aug 27, 2007 · Amount on Record |
| Deed Document Number | 201891297 |
| Deed Book / Page | 2357 / 2595 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Property Address | 512 SILVER SPOON LN, ELGIN, SC 29045-7102 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2024 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0026033903 |
|---|---|
| Date | Mar 31, 2021 |
| Book Page | 2603/3903 |
| Instrument | 2021020702 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 336 Months |
| Due | Mar 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Property Address | 512 SILVER SPOON LN, ELGIN, SC 29045-7102 |
| Document Number | 2495/0966 |
| Instrument Date | May 11, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 23, 2020 |
| Title Company | INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 512 SILVER SPOON LN ELGIN SC 290457102, ELGIN, SC 29045-7102 |
| Document Number | 2495/0966 |
|---|---|
| Date | Jun 8, 2020 |
| Book Page | 002495/000966 |
| Instrument | 25854 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 7, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Dec 14, 2018 |
| Property Address | 512 SILVER SPOON LN, ELGIN, SC 29045-7102 |
| Document Number | 2357/2595 |
| Book / Page | 002357 / 002595 |
| Instrument Date | Dec 10, 2018 |
| Instrument | 91297 |
| Transaction Type | Transfer |
| Record Updated | Jan 29, 2019 |
| Title Company | OTHER |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $573.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 512 SILVER SPOON LN COLUMBIA SC 29223, COLUMBIA, SC 29223 |
| Document Number | 2357/2599 |
|---|---|
| Date | Dec 14, 2018 |
| Book Page | 002357/002599 |
| Instrument | 91298 |
| Name | TOWNE MTG |
|---|---|
| Type | Mortgage Company |
| Address | TROY, MI 48083 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 13, 2048 |
Source: Richland County assessment roll, as of July 14, 2026
| Type | Name |
|---|---|
| State | South Carolina |
| County | Richland County |
| Unified School District | Richland School District 2 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,866.00 (+14.06%) | $234,000 (+50.97%) | |
| 2023 | $1,636.00 (+0.93%) | ||
| 2021 | $1,621.00 | $6,200 | $155,000 Land $36,000 Building $119,000 |
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.
Source: FEMA National Flood Hazard Layer, effective September 13, 2026 · 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 8 (10% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2015) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Oct 2015 · Severe Storms And Flooding |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 98.9% of South Carolina |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF COLUMBIA serves 354,068 people · EPA ID SC4010001 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2025 |
| Lead | 5 ppb (2021–2023) action level 15 ppb |
| Water Quality | Chlorite resolved · Dec 2024 E. coli resolved · Apr 2021 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 269 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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