Richland County property record for 551 Silver Spoon Ln, Elgin, SC 29045
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,936 sqft · built 2009 |
| Lot Size | 0.157 acres (6,874 sqft) |
| Owner | Individual Name on File |
| Last Sale | $152,000 (Nov 2009) |
| Tax Bill | $1,818 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Oct 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 25906-12-08 |
| Primary APN | 25906-12-08 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,936 sqft Heated Area |
| Gross Area | 2,576 sqft |
| 1st Floor Area | 768 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Architectural Style | Conventional |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,874 sqft (0.157 acres) |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 02015358 |
|---|---|
| Street Address | 551 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 111 55X125X55.1X124.9 #SU JACOBS CREEK PH 6 #PR RB1296-1343 |
| Legal Subdivision | JACOBS CREEK |
| Legal Lot Number | 55,111 |
| Jurisdiction | RICHLAND SC |
| Township / Civil Division | PONTIAC |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 11425 |
551 Silver Spoon Ln is owned and occupied by an individual who bought it in November 2009.
Source: Richland County records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 551 SILVER SPOON LN, ELGIN, SC 29045-7102 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 12, 2021 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Oct 28, 2021 | Deed of Trust, Mortgage · Line of Credit PALMETTO CITIZENS FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 30, 2009 · Amount on File |
| Deed Sale | Nov 30, 2009 · Amount on File |
| Deed Document Number | 200988244 |
| Deed Book / Page | 1572 / 1289 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Property Address | 551 SILVER SPOON LN, ELGIN, SC 29045-7102 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2024 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0026531645 |
|---|---|
| Date | Aug 12, 2021 |
| Book Page | 2653/1645 |
| Instrument | 2021053919 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Property Address | 551 SILVER SPOON LN, ELGIN, SC 29045-7102 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2024 |
| Name | Verified Name |
|---|---|
| Address | 551 SILVER SPOON LN, ELGIN, SC 29045-7102 |
| Investor | Possibly a Property Investor |
| Document Number | 0026812767 |
|---|---|
| Date | Oct 28, 2021 |
| Book Page | 2681/2767 |
| Instrument | 2021072349 |
| Name | PALMETTO CITIZENS FCU |
|---|---|
| Type | Credit Union |
| Address | COLUMBIA, SC 29250 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 551 Silver Spoon Ln was $1,818.
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 | $1,818.00 | $172,600 | $226,700 Land $41,100 Building $185,600 |
| 2023 | $1,595.00 | $6,004 | $150,100 |
| 2021 | $1,579.00 | $6,000 | $150,100 Land $36,000 Building $114,100 |
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.
FEMA maps place 551 Silver Spoon Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2015.
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.
Wildfire risk around 551 Silver Spoon Ln is low, with less than a 0.01% annual chance of wildfire.
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 | Direct burnable vegetation |
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 246 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T.
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