521 Jacobs Mill Pond Rd, Elgin, SC 29045 Property Records

Richland County property record for 521 Jacobs Mill Pond Rd, Elgin, SC 29045

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,296 sqft · built 1968
Lot Size	2.84 acres (123,710 sqft)
Owner	Individual Name on File
Last Sale	$405,000 (Sep 2007)
Tax Bill	$4,186 (2025)
Deeds & Mortgages	Jun 2026 Sale Dec 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`28914-02-02`

Property Details

APN / Parcel Number

Primary APN	`28914-02-02`
Alternative APNs	`R28914-02-02` `00889989`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	3,296 sqft Heated Area
Gross Area	5,317 sqft
1st Floor Area	2,916 sqft
Basement Area	574 sqft
Finished Basement	380 sqft
Unfinished Basement	194 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1997
Architectural Style	Bungalow
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	123,710 sqft (2.84 acres)
Garage Area	1,024 sqft
Parking Spaces	22 Parking Spaces

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Porch	Patio
Porch Area	520 sqft
Patio Area	732 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	00889989
Street Address	521 JACOBS MILL POND RD
City	ELGIN
State	SC
Zip	29045-9300
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU
Legal Description	#PR Z-6808 54-6927
Legal Subdivision	WOODCREEK LAKE
Jurisdiction	RICHLAND SC
Township / Civil Division	PONTIAC
Census Block Group	2
Census Block	2088
Census Tract	11407

Owner

521 Jacobs Mill Pond Rd is owned and occupied by an individual who acquired it in June 2026.

Source: Richland County records, as of July 14, 2026

Owner of Record	Individual Name on File
Mailing Address	521 JACOBS MILL POND RD, ELGIN, SC 29045-9300
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2026	Deed of Distribution, Transfer NONE LISTED ON DOCUMENT
Dec 8, 2017	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 28, 2007 · Amount on File
Deed Sale	Sep 28, 2007 · Amount on File
Deed Document Number	200788626
Deed Book / Page	1362 / 1466
Last Transfer Date	Jun 11, 2026
Transfer Doc	0000028456
Record Updated	Oct 29, 2026

June 2026: Deed of Distribution, Transfer

Document Type	Deed of Distribution
Jurisdiction	RICHLAND SC
Recording Date	Jun 11, 2026
Property Address	521 JACOBS MILL POND RD, ELGIN, SC 29045-9300
Document Number	0000028456
Book / Page	3136 / 1560
Instrument Date	Jun 11, 2026
Instrument	202628456
Transaction Type	Transfer
Record Updated	Aug 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 JACOBS MILL POND RD, ELGIN, SC 29045-9300

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	521 JACOBS MILL POND RD, ELGIN, SC 29045-9300
Document Number	2267/0286
Book / Page	002267 / 000286
Instrument Date	Dec 8, 2017
Transaction Type	Mortgage
Record Updated	Jan 17, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	521 JACOBS MILL POND RD ELGIN SC 290459300, ELGIN, SC 29045-9300

Mortgage

Document Number	2267/0286
Date	Dec 14, 2017
Book Page	002267/000286
Instrument	93947

Lender

Name	FIRST CITIZENS BK
Type	Bank
Address	RALEIGH, NC 27611-6592

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Dec 13, 2042

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 521 Jacobs Mill Pond Rd was $4,186.

Source: Richland County assessment roll, as of July 14, 2026

Property Jurisdictions

Type	Name
State	South Carolina
County	Richland County
Unified School District	Richland School District 2 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,186.00 Homeowner's exemption	$497,800	$564,200 Land $198,800 Building $365,400
2023	$3,502.00	$17,316	$432,900
2021	$3,531.00	$17,320	$432,900 Land $198,800 Building $234,100

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.

Flood

FEMA maps place 521 Jacobs Mill Pond Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 31 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	31 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.

Wildfire

Wildfire risk around 521 Jacobs Mill Pond Rd is moderate, ranking above 43% of the US, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 43% of the US · lower than 67% of South Carolina
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 121 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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