548 Rusting Oak Dr, Columbia, SC 29209 Property Records

Richland County property record for 548 Rusting Oak Dr, Columbia, SC 29209

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,396 sqft · built 2008
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on Record
Last Sale	$280,000 (Sep 2025)
Tax Bill	$1,649 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Sep 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`22009-15-12`

Property Details

APN / Parcel Number

Primary APN	`22009-15-12`
Alternative APNs	`R22009-15-12` `01900517`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,396 sqft Heated Area
Gross Area	3,140 sqft
1st Floor Area	989 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Conventional
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,148 sqft (0.21 acres)
Garage Area	418 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	113 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	01900517
Street Address	548 RUSTING OAK DR
City	COLUMBIA
State	SC
Zip	29209-4483
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-MD
Legal Description	LOT 157 46.6X19.5X138.9X59X151.9 #SU CHANDLER HALL PH I #PR RB1187-71
Legal Subdivision	CHANDLER HALL
Legal Lot Number	46,157
Jurisdiction	RICHLAND SC
Township / Civil Division	HORRELL HILL
Census Block Group	2
Census Block	2016
Census Tract	11901

Owner

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	548 RUSTING OAK DR, COLUMBIA, SC 29209-4483
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2026	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Sep 15, 2025	Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
Aug 26, 2020	Deed of Trust, Mortgage · FHA Mortgage BAY EQUITY
Nov 6, 2018	Warranty Deed, Transfer · Conventional with PMI MIDLAND MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2025 · Amount on Record
Deed Sale	Sep 15, 2025 · Amount on Record
Prior Sale	Nov 6, 2018 · Amount on Record
Deed Document Number	202543625
Deed Book / Page	3055 / 3724
Prior Transfer Date	Jul 9, 2015
Prior Transfer Doc	2042/0001
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Recording Date	Jun 12, 2026
Property Address	548 RUSTING OAK DR, COLUMBIA, SC 29209-4483
Document Number	0000028565
Book / Page	3136 / 2132
Instrument Date	Jun 8, 2026
Instrument	202628565
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	548 RUSTING OAK DR, COLUMBIA, SC 29209-4483

Mortgage

Document Number	0000028565,
Date	Jun 12, 2026
Book Page	3136/2132
Instrument	202628565

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	RICHLAND SC
Recording Date	Sep 15, 2025
Property Address	548 RUSTING OAK DR, COLUMBIA, SC 29209-4483
Document Number	0030553724
Book / Page	3055 / 3724
Map Reference	MB 1187 PG 71
Instrument Date	Sep 10, 2025
Instrument	2025043625
Transaction Type	Transfer
Record Updated	Sep 29, 2025

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$728.00
Amount Accuracy	Verified / From Affidavit
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	548 RUSTING OAK DR, COLUMBIA, SC 29209-4483

Mortgage

Document Number	2025043626
Date	Sep 15, 2025
Instrument	2025043626

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	548 RUSTING OAK DR, COLUMBIA, SC 29209-4483
Document Number	2529/0040
Instrument Date	Aug 26, 2020
Transaction Type	Mortgage
Record Updated	Nov 24, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	548 RUSTING OAK DR COLUMBIA SC 292094483, COLUMBIA, SC 29209-4483

Mortgage

Document Number	2529/0040
Date	Sep 14, 2020
Book Page	002529/000040
Instrument	48103

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	CORTE MADERA, CA 94925

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 13, 2050

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RICHLAND SC
Recording Date	Nov 6, 2018
Property Address	548 RUSTING OAK DR, COLUMBIA, SC 29209-4483
Document Number	2348/1342
Book / Page	002348 / 001342
Instrument Date	Nov 1, 2018
Instrument	80575
Transaction Type	Transfer
Record Updated	Nov 29, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$610.50
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	548 RUSTING OAK DR COLUMBIA SC 292094483, COLUMBIA, SC 29209-4483

Mortgage

Document Number	2348/1346
Date	Nov 6, 2018
Book Page	002348/001346
Instrument	80576

Lender

Name	MIDLAND MTG
Type	Mortgage Company
Address	COLUMBIA, SC 29201

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 5, 2048

Mortgage

Document Number	2348/2505,
Date	Nov 6, 2018
Book Page	002348/002505
Instrument	80794

Lender

Name	MIDLAND MTG
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Nov 5, 2028

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,649.00 (+13.41%)	$6,600 (-)	$242,500 (+46.97%) Land $29,700 Building $212,800
2023	$1,454.00 (+0.9%)	$6,600 (-)	$165,000 (-)
2021	$1,441.00	$6,600	$165,000 Land $18,000 Building $147,000

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.

Flood

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	6 in force
Nearby Flood Claims	15 (2015–2022)
Claims Outside the SFHA	8 of 15
Most Recent Claim	Dec 2022 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Oct 2015 · 14 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

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

Wildfire Risk	Low lower than 80% of the US · lower than 96% 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.

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

Provider	Max Down / Up (Mbps)
TruVista Communications Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: AT&T, Verizon.

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