Richland County property record for 528 Silver Spoon Ln, Elgin, SC 29045
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,184 sqft · built 2007 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $269,900 (Apr 2024) |
| Tax Bill | $2,621 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Apr 2024 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25906-09-08 |
| Primary APN | 25906-09-08 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,184 sqft Heated Area |
| Gross Area | 2,772 sqft |
| 1st Floor Area | 912 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 228 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 01944150 |
|---|---|
| Street Address | 528 SILVER SPOON LN |
| City | ELGIN |
| State | SC |
| Zip | 29045-7102 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PDD |
| Legal Description | LOT 20 70X124.6X70.1X124.6 #SU JACOBS CREEK PH 1 & 3 #PR RB1282-2545 RB1412-3252 |
| Legal Subdivision | JACOBS CREEK |
| Legal Phase | 1 |
| Legal Lot Number | 20,70 |
| Jurisdiction | RICHLAND SC |
| Township / Civil Division | PONTIAC |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 11425 |
Source: Richland County records, as of July 14, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 528 SILVER SPOON LN, ELGIN, SC 29045-7102 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
| Date | Document |
|---|---|
| Mar 10, 2021 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE SOLUTIONS OF COLORADO LLC |
| Apr 1, 2024 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Dec 27, 2023 | Warranty Deed, Transfer |
| Jun 24, 2020 | Warranty Deed, Transfer · VA Mortgage MORTGAGE SOLUTIONS/CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 1, 2024 · Amount on Record |
| Deed Sale | Apr 1, 2024 · Amount on Record |
| Prior Sale | Dec 27, 2023 · Amount on Record |
| Deed Document Number | 202413821 |
| Deed Book / Page | 2911 / 2702 |
| Prior Transfer Date | Feb 19, 2013 |
| Prior Transfer Doc | 0018613423 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Property Address | 528 SILVER SPOON LN, ELGIN, SC 29045-7102 |
| Transaction Type | Mortgage |
| Record Updated | Jul 1, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0025942162 |
|---|---|
| Date | Mar 10, 2021 |
| Book Page | 2594/2162 |
| Instrument | 2021014726 |
| Name | MORTGAGE SOLUTIONS OF COLORADO LLC |
|---|---|
| Type | Mortgage Company |
| Address | PEORIA, IL 61602 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Apr 1, 2024 |
| Property Address | 528 SILVER SPOON LN, ELGIN, SC 29045-7102 |
| Document Number | 0029112702 |
| Book / Page | 2911 / 2702 |
| Map Reference | MB 1282 PG 2545 |
| Instrument Date | Mar 26, 2024 |
| Instrument | 2024013821 |
| Transaction Type | Transfer |
| Record Updated | Jul 1, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $702.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 528 SILVER SPOON LN, ELGIN, SC 29045-7102 |
| Document Number | 2024013822 |
|---|---|
| Date | Apr 1, 2024 |
| Instrument | 2024013822 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Dec 27, 2023 |
| Property Address | 528 SILVER SPOON LN, ELGIN, SC 29045-7102 |
| Document Number | 0028881448 |
| Book / Page | 2888 / 1448 |
| Map Reference | MB 1282 PG 2545 |
| Instrument Date | Dec 18, 2023 |
| Instrument | 2023054997 |
| Transaction Type | Transfer |
| Record Updated | Jul 1, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $656.50 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2150 E GERMANN RD STE 1, 1, CHANDLER, AZ 85286-1662 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Jun 24, 2020 |
| Property Address | 528 SILVER SPOON LN, ELGIN, SC 29045-7102 |
| Document Number | 2502/1591 |
| Book / Page | 002502 / 001591 |
| Instrument Date | Jun 8, 2020 |
| Instrument | 30452 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $655.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 528 SILVER SPOON LN ELGIN SC 290457102, ELGIN, SC 29045-7102 |
| Document Number | 2502/1595 |
|---|---|
| Date | Jun 24, 2020 |
| Book Page | 002502/001595 |
| Instrument | 30453 |
| Name | MORTGAGE SOLUTIONS/CO |
|---|---|
| Type | Mortgage Company |
| Address | COLORADO SPRINGS, CO 80918 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 23, 2050 |
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 | $2,621.00 (+612.23%) | $7,080 (-97.2%) | $269,900 (+6.89%) Land $41,100 Building $228,800 |
| 2024 | $252,500 (+3,466.38%) Land $41,100 Building $211,400 | $252,500 (+42.66%) Land $41,100 Building $211,400 | |
| 2023 | $368.00 (-79.61%) | $7,080 (-) | $177,000 (-) |
| 2021 | $1,805.00 | $7,080 | $177,000 Land $36,000 Building $141,000 |
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.
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 | 1 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 96% of the US · lower than 98.9% 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.
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 269 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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