552 Silver Spoon Ln, Elgin, SC 29045 Property Records

Richland County property record for 552 Silver Spoon Ln, Elgin, SC 29045

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,394 sqft · built 2010
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$175,000 (Apr 2020)
Tax Bill	$2,055 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25906-09-16`

Property Details

APN / Parcel Number

Primary APN	`25906-09-16`
Alternative APNs	`R25906-09-16` `02015198`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,394 sqft Heated Area
Gross Area	3,092 sqft
1st Floor Area	950 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Conventional
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,970 sqft (0.16 acres)
Garage Area	422 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	276 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	02015198
Street Address	552 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 84 55X125X55X125 #SU JACOBS CREEK PH 6 #PR RB1296-1343
Legal Subdivision	JACOBS CREEK
Legal Lot Number	55,84
Jurisdiction	RICHLAND SC
Township / Civil Division	PONTIAC
Census Block Group	1
Census Block	1023
Census Tract	11425

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	Individual Name on Record
Mailing Address	552 SILVER SPOON LN, ELGIN, SC 29045-7102
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Apr 13, 2020	Grant Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 13, 2020 · Amount on Record
Deed Sale	Apr 13, 2020 · Amount on Record
Prior Sale	Dec 3, 2010 · Amount on Record
Deed Document Number	202018367
Deed Book / Page	2483 / 3836
Prior Transfer Date	Sep 2, 2015
Prior Transfer Doc	2056/0015
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	552 SILVER SPOON LN, ELGIN, SC 29045-7102
Transaction Type	Mortgage
Record Updated	Apr 11, 2024
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0026022816
Date	Mar 29, 2021
Book Page	2602/2816
Instrument	2021019876

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RICHLAND SC
Recording Date	Apr 13, 2020
Property Address	552 SILVER SPOON LN, ELGIN, SC 29045-7102
Document Number	2483/3836
Book / Page	002483 / 003836
Instrument Date	Apr 7, 2020
Instrument	18367
Transaction Type	Transfer
Record Updated	Jun 11, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$648.00
Amount Accuracy	Confirmed
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	552 SILVER SPOON LN ELGIN SC 290457102, ELGIN, SC 29045-7102

Mortgage

Document Number	2483/3839
Date	Apr 13, 2020
Book Page	002483/003839
Instrument	18368

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 12, 2050

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 2 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,055.00 (+14.17%)	$201,300 (-)	$266,500 (-) Land $41,100 Building $225,400
2024		$201,300 (+2,775.71%)	$266,500 (+52.29%) Land $41,100 Building $225,400
2023	$1,800.00 (+0.61%)	$7,000 (-)	$175,000 (-)
2021	$1,789.00	$7,000	$175,000 Land $36,000 Building $139,000

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	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

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.

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 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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