522 Smyrna Rd, Elgin, SC 29045 Property Records

Kershaw County property record for 522 Smyrna Rd, Elgin, SC 29045

Property Summary

Property Type	Single Family Home
Details	1,192 sqft
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$135,000 (Oct 2023)
Tax Bill	$2,707 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Oct 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`278-00-00-046`

Property Details

APN / Parcel Number

Primary APN	`278-00-00-046`
Alternative APNs	`0278 00 00 0460` `6644`

Interior

Stories	1 Story
Building Area	1,192 sqft Gross Area
Basement Area	110 sqft
Unfinished Basement	110 sqft

Exterior

Exterior Material	Other
Lot Area	43,560 sqft (1 acres)
Porch	Porch
Porch Area	168 sqft
Deck Area	104 sqft

Location & Zoning

Account Number	6644
Street Address	522 SMYRNA RD
City	ELGIN
State	SC
Zip	29045-9753
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD2
Legal Description	2310-80 T/O
Jurisdiction	KERSHAW SC
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2016
Census Tract	970401

Owner

Source: Kershaw County records, as of October 9, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	522 SMYRNA RD, ELGIN, SC 29045-9753
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 25, 2023	Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Oct 24, 2023	Re-recorded Document · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 24, 2023 · Amount on Record
Deed Sale	Oct 24, 2023 · Amount on Record
Prior Sale	May 25, 2023 · Amount on Record
Deed Document Number	20239138
Deed Book / Page	5035 / 247
Prior Transfer Date	Oct 23, 2023
Prior Transfer Doc	0020239138
Record Updated	Oct 29, 2026

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	KERSHAW SC
Recording Date	May 25, 2023
Property Address	522 SMYRNA RD, ELGIN, SC 29045-9753
Document Number	0020234410
Book / Page	4950 / 291
Map Reference	MB C33 PG 6B
Instrument Date	May 24, 2023
Instrument	2023-4410
Transaction Type	Transfer
Record Updated	Sep 7, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$351.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 SMYRNA RD, ELGIN, SC 29045-9753

Mortgage

Document Number	0020234411
Date	May 25, 2023
Instrument	2023-4411

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

October 2023: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	KERSHAW SC
Recording Date	Oct 24, 2023
Property Address	522 SMYRNA RD, ELGIN, SC 29045-9753
Document Number	0020239138
Book / Page	5035 / 247
Map Reference	MB C33 PG 6B
Instrument Date	May 24, 2023
Instrument	2023-9138
Record Updated	Nov 20, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 SMYRNA RD, ELGIN, SC 29045-9753

Mortgage

Document Number	0020239139
Date	Oct 24, 2023
Book Page	5035/251
Instrument	2023-9139

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Jun 1, 2053

Tax Assessment & Valuation

Source: Kershaw County assessment roll, as of November 7, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,707.00 (+212.95%)	$135,000 (+3.85%) Land $20,000 Building $115,000	$135,000 (+3.85%)
2023	$865.00 (-12.45%)	$130,000 (+202.33%) Land $20,000 Building $110,000	$130,000 (+202.33%)
2022	$988.00	$43,000 Land $10,000 Building $33,000	$43,000 Land $10,000 Building $33,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 28, 2018

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 46% of the US · above 40% of South Carolina
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Internet Providers

Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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