522 Howard St, Columbia, SC 29205 Property Records

Richland County property record for 522 Howard St, Columbia, SC 29205

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,372 sqft · built 1940
Lot Size	0.166 acres (7,257 sqft)
Owner	Individual Name on File
Last Sale	$338,000 (Feb 2025)
Tax Bill	$1,813 (2025)
Deeds & Mortgages	Dec 2019 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`11313-13-11`

Property Details

APN / Parcel Number

Primary APN	`11313-13-11`
Alternative APNs	`R11313-13-11` `00278531`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,372 sqft Heated Area
Gross Area	1,907 sqft
1st Floor Area	1,372 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1990
Architectural Style	Other
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,257 sqft (0.166 acres)
Porch	Slab
Porch Area	164 sqft
Patio Area	391 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	00278531
Street Address	522 HOWARD ST
City	COLUMBIA
State	SC
Zip	29205-3821
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-3
Legal Description	LOT 11 BLK 2 50X150.3X50.4X150 #SU SOUTH END #PR Y-4473 C-151 52-9802
Legal Subdivision	SOUTH ROSEWOOD
Legal Block	2
Legal Lot Number	11
Jurisdiction	RICHLAND SC
Township / Civil Division	COLUMBIA
Census Block Group	1
Census Block	1010
Census Tract	2602

Owner

522 Howard St is owned and occupied by an individual who bought it in February 2025.

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	Individual Name on File
Mailing Address	522 HOWARD ST, COLUMBIA, SC 29205-3821
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 18, 2025 · Amount on File
Deed Sale	Feb 18, 2025 · Amount on File
Prior Sale	Dec 10, 2019 · Amount on File
Deed Document Number	20256922
Deed Book / Page	2994 / 3801
Record Updated	Oct 29, 2026

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RICHLAND SC
Recording Date	Dec 10, 2019
Property Address	522 HOWARD ST, COLUMBIA, SC 29205-3821
Document Number	2453/0283
Book / Page	002453 / 000283
Instrument Date	Dec 10, 2019
Instrument	92415
Transaction Type	Transfer
Record Updated	Dec 31, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$851.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	522 HOWARD ST COLUMBIA SC 292053821, COLUMBIA, SC 29205-3821

Mortgage

Document Number	2453/0287
Date	Dec 10, 2019
Book Page	002453/000287
Instrument	92416

Lender

Name	SOUTHERN FIRST BK NA
Type	Bank
Address	CAYCE, SC 29033

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 9, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 522 Howard St was $1,813.

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

Property Jurisdictions

Type	Name
State	South Carolina
County	Richland County
Municipality	Columbia City
Unified School District	Richland School District 1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,813.00	$9,200 (-96.37%)	$253,500 (-) Land $38,300 Building $215,200
2024		$253,500 (+2,655.43%) Land $38,300 Building $215,200	$253,500 (+10.22%) Land $38,300 Building $215,200
2023	$1,612.00	$9,200	$230,000
2021	$1,722.00	$9,200	$230,000 Land $33,100 Building $196,900

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 522 Howard St in Zone X, an area of minimal flood risk, though there have been 2 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	4 in force
Nearby Flood Claims	2 (2015)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Oct 2015 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Oct 2015 · 2 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 522 Howard St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 99.4% 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.

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

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20