540 Palm Sedge Loop, Elgin, SC 29045 Property Records

Richland County property record for 540 Palm Sedge Loop, Elgin, SC 29045 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	5 Beds
Bathrooms	4 Baths
Year Built	Built 2016
Square Footage	3,925 sqft Heated Area
Lot Size	14,953 sqft (0.343 acres)
Occupancy	Owner Occupied
Last Sale	$400,230 (2016)
Tax Bill	$3,756.00 (2025)

Owner

Source: Richland County records · APN 28911-06-02

Assessment roll updated July 14, 2026 · Last verified July 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 File
Mailing Address	540 PALM SEDGE LOOP, ELGIN, SC 29045-8007
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 07, 2016 · Amount on Record
Deed Sale	Sep 07, 2016 · Amount on Record
Prior Sale	Apr 21, 2015 · Amount on Record
Deed Doc Number	201666256
Deed Book / Page	2144 / 1993
Record Refreshed	Sep 20, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	540 PALM SEDGE LOOP, ELGIN, SC 29045-8007
Document Number	2506/3414
Instrument Date	Apr 02, 2020
Transaction Type	Mortgage
Record Updated	Sep 07, 2020
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenant/Joint Tenant w/ Right Of Survivorship
Address	540 PALM SEDGE LOOP ELGIN SC 290458007, ELGIN, SC 29045-8007

Mortgage

Document Number	2506/3414
Date	Jul 08, 2020
Book Page	002506/003414
Instrument	33540

Lender

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

Agreement

Type	Veterans Administration Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jul 07, 2045

Tax Assessment & Valuation

Source: Richland County records · Assessment roll updated July 14, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	South Carolina
County	Richland County
Municipality	Columbia City
Unified School District	Richland School District 2 (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,756.00 (+17.45%)	$427,200 (+2,774.83%)	$541,800 (+45.84%) Land $81,000 Building $460,800
2023	$3,198.00 (-5.27%)	$14,860 (-)	$371,500 (-)
2021	$3,376.00	$14,860	$371,500 Land $60,000 Building $311,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Richland County (45079C), updated September 13, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 4% of South Carolina
Wildfire Likelihood	About 1 in 3,030 per year
Exposure	Indirect within ember reach

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

Property Details

APN / Parcel Number

Primary APN	`28911-06-02`
Alternative APNs	`R28911-06-02` `02093193`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Building Area	3,925 sqft Heated Area
Gross Area	5,215 sqft Gross Area
1st Floor	1,868 sqft 1st Floor
Stories	2 Stories
Primary Flooring	Hardwood Flooring
Interior Structure	Wallboard/Drywall Interior Structure
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Conventional Style
Exterior Material	Brick/Stone (Brick and/or Stone) Exterior
Construction Type	Frame Construction
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	14,953 sqft (0.343 acres)
Parking Spaces	2 Parking Spaces
Garage Area	694 sqft Garage
Porch Area	596 sqft Porch

Utilities and HVAC

Heating System	Forced Air with Air Conditioning Heating
Heating Fuel	Electric Heating Fuel
Sewage	Municipal Sewage
Water Source	Commercial Water Source

Location & Zoning

Account Number	02093193
Street Address	540 PALM SEDGE LOOP
City	ELGIN
State	SC
Zip	29045-8007
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LOT 7 105X150X105X150 #SU CROSSING @WOODCREEK PH 1&2 #PR RB1990-2759/2760
Legal Subdivision	WOODCREEK CROSSING
Legal Lot Number	7,105
Jurisdiction	RICHLAND SC
Minor Civil Division	PONTIAC
Census Blockgroup	2
Census Block	2073
Census Tract	11407