521 Rusting Oak Dr, Columbia, SC 29209 Property Records

Richland County property record for 521 Rusting Oak Dr, Columbia, SC 29209

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,491 sqft · built 2009
Lot Size	0.225 acres (9,828 sqft)
Owner	2 Individual Names on File
Last Sale	$172,524 (Apr 2009)
Tax Bill	$1,702 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Aug 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22009-16-03`

Property Details

APN / Parcel Number

Primary APN	`22009-16-03`
Alternative APNs	`R22009-16-03` `01986523`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,491 sqft Heated Area
Gross Area	3,341 sqft
1st Floor Area	1,085 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Conventional
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,828 sqft (0.225 acres)
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	255 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	01986523
Street Address	521 RUSTING OAK DR
City	COLUMBIA
State	SC
Zip	29209-4484
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-MD
Legal Description	LOT 158 47.8X148.9X73.4X135X19.6 #SU CHANDLER HALL PH2 #PR RB1379-2790
Legal Subdivision	CHANDLER HALL
Legal Lot Number	47,158
Jurisdiction	RICHLAND SC
Township / Civil Division	HORRELL HILL
Census Block Group	2
Census Block	2017
Census Tract	11901

Owner

521 Rusting Oak Dr is owned and occupied by two individuals who bought it in April 2009.

Source: Richland County records, as of October 13, 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	2 Individual Names on File
Mailing Address	521 RUSTING OAK DR, COLUMBIA, SC 29209-4484
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MTG
Aug 14, 2018	Deed of Trust, Mortgage · VA Mortgage JG WENTWORTH HM LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 8, 2009 · Amount on File
Deed Sale	Apr 8, 2009 · Amount on File
Deed Document Number	200925899
Deed Book / Page	1510 / 3057
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	521 RUSTING OAK DR, COLUMBIA, SC 29209-4484
Document Number	0257/1267
Instrument Date	Sep 17, 2020
Transaction Type	Mortgage
Record Updated	Dec 18, 2020
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	521 RUSTING OAK DR COLUMBIA SC 292094484, COLUMBIA, SC 29209-4484

Mortgage

Document Number	0257/1267
Date	Oct 7, 2020
Book Page	000257/001267
Instrument	53442

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	216 Months
Due	Oct 6, 2038

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	521 RUSTING OAK DR, COLUMBIA, SC 29209-4484
Document Number	2329/1254
Instrument Date	Aug 14, 2018
Transaction Type	Mortgage
Record Updated	Sep 14, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	521 RUSTING OAK DR COLUMBIA SC 292094484, COLUMBIA, SC 29209-4484

Mortgage

Document Number	2329/1254
Date	Aug 21, 2018
Book Page	002329/001254
Instrument	60314

Lender

Name	JG WENTWORTH HM LNDG
Address	WOODBRIDGE, VT 22192

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	240 Months
Due	Aug 20, 2038

Tax Assessment & Valuation

The 2025 property tax bill for 521 Rusting Oak Dr was $1,702.

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 1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,702.00	$197,800	$253,200 Land $29,700 Building $223,500
2023	$1,500.00	$6,880	$172,000
2021	$1,488.00	$6,880	$172,000 Land $18,000 Building $154,000

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.

Flood

FEMA maps place 521 Rusting Oak Dr in Zone X, an area of minimal flood risk, though there have been 15 flood claims nearby since 2015.

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	6 in force
Nearby Flood Claims	15 (2015–2022)
Claims Outside the SFHA	8 of 15
Most Recent Claim	Dec 2022 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Oct 2015 · 14 claims

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 Rusting Oak Dr is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 96% of South Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 457 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TruVista Communications Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: AT&T, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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