Richland County property record for 524 Ferncliffe Rd, Elgin, SC 29045
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,334 sqft · built 1990 |
| Lot Size | 0.278 acres (12,142 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $124,000 (May 2019) |
| Tax Bill | $1,571 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage May 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26006-10-04 |
| Primary APN | 26006-10-04 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,334 sqft Heated Area |
| Gross Area | 2,006 sqft |
| 1st Floor Area | 1,334 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Raised Ranch |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 12,142 sqft (0.278 acres) |
| Garage Area | 348 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 156 sqft |
| Patio Area | 168 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 01291587 |
|---|---|
| Street Address | 524 FERNCLIFFE RD |
| City | ELGIN |
| State | SC |
| Zip | 29045-8617 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-LD |
| Legal Description | LOT 9 BLK XX PH III 80X150X80X150 #SU BRIARCLIFFE EST PH 3 SEC A #PR 52-3051 |
| Legal Subdivision | BRIARCLIFFE |
| Legal Block | XX |
| Legal Lot Number | 9 |
| Jurisdiction | RICHLAND SC |
| Township / Civil Division | PONTIAC |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 11424 |
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 524 FERNCLIFFE RD, ELGIN, SC 29045-8617 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 28, 2021 | Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING LLC |
| May 9, 2019 | Warranty Deed, Transfer · FHA Mortgage MOVEMENT MTG |
| Apr 9, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 9, 2019 · Amount on File |
| Deed Sale | May 9, 2019 · Amount on File |
| Deed Document Number | 201932795 |
| Deed Book / Page | 2392 / 1838 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Property Address | 524 FERNCLIFFE RD, ELGIN, SC 29045-8617 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0026812194 |
|---|---|
| Date | Oct 28, 2021 |
| Book Page | 2681/2194 |
| Instrument | 2021072240 |
| Name | LAKEVIEW LOAN SERVICING LLC |
|---|---|
| Type | Mortgage Company |
| Address | ELGIN, SC 29045 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | May 9, 2019 |
| Property Address | 524 FERNCLIFFE RD, ELGIN, SC 29045-8617 |
| Document Number | 2392/1838 |
| Book / Page | 002392 / 001838 |
| Instrument Date | Apr 30, 2019 |
| Instrument | 32795 |
| Transaction Type | Transfer |
| Record Updated | Jun 10, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $458.80 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 8804 HUNT CLUB RD COLUMBIA SC 29223, COLUMBIA, SC 29223 |
| Document Number | 2392/1842 |
|---|---|
| Date | May 9, 2019 |
| Book Page | 002392/001842 |
| Instrument | 32796 |
| Name | MOVEMENT MTG |
|---|---|
| Type | Mortgage Company |
| Address | INDIAN LAND, SC 29707 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 8, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Apr 9, 2019 |
| Property Address | 524 FERNCLIFFE RD, ELGIN, SC 29045-8617 |
| Document Number | 2384/2223 |
| Book / Page | 002384 / 002223 |
| Instrument Date | Apr 8, 2019 |
| Instrument | 23925 |
| Transaction Type | Transfer |
| Record Updated | May 1, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 9725 DUNBARTON DR COLUMBIA SC 292232108, COLUMBIA, SC 29223-2108 |
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 | $1,571.00 (+13.68%) | $142,600 (+2,775%) | $200,200 (+61.45%) Land $30,000 Building $170,200 |
| 2023 | $1,382.00 (+785.9%) | $4,960 (-) | $124,000 (-) |
| 2021 | $156.00 | $4,960 | $124,000 Land $20,300 Building $103,700 |
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 |
| Flood Insurance Cost | Premium on File median of 12 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 12 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 67% of the US · lower than 94% of South Carolina |
|---|---|
| Wildfire Likelihood | 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 152 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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