553 Jacobs Mill Pond Rd, Elgin, SC 29045 Property Records

Richland County property record for 553 Jacobs Mill Pond Rd, Elgin, SC 29045

Property Summary

Property Type	Single Family Home
Details	6 bd · 4 ba · 5,336 sqft · built 2005
Lot Size	2.76 acres (120,226 sqft)
Owner	2 Individual Names on Record
Last Sale	$685,000 (Mar 2020)
Tax Bill	$6,426 (2025)
Deeds & Mortgages	Mar 2020 Sale & Mortgage Jul 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`28913-01-08`

Property Details

APN / Parcel Number

Primary APN	`28913-01-08`
Alternative APNs	`R28913-01-08` `01777508`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	5,336 sqft Heated Area
Gross Area	7,785 sqft
1st Floor Area	2,438 sqft
Attic	Attic
Attic Area	172 sqft
Basement Area	2,403 sqft
Finished Basement	2,403 sqft
Unfinished Basement	942 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	120,226 sqft (2.76 acres)
Garage Area	617 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	841 sqft
Utility Building	143 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric
Sewer	Septic
Water Source	Private

Location & Zoning

Account Number	01777508
Street Address	553 JACOBS MILL POND RD
City	ELGIN
State	SC
Zip	29045-9886
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU
Legal Description	LOT 8-A 203.5X652.1X171.8X662.2 #SU #PR 56-7488
Legal Subdivision	WOODCREEK LAKE
Legal Lot Number	8
Jurisdiction	RICHLAND SC
Township / Civil Division	PONTIAC
Census Block Group	2
Census Block	2088
Census Tract	11407

Owner

Source: Richland County records, as of August 13, 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	553 JACOBS MILL POND RD, ELGIN, SC 29045-9886
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 26, 2020	Grant Deed, Transfer BAXTER CU
Jul 12, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 26, 2020 · Amount on Record
Deed Sale	Mar 26, 2020 · Amount on Record
Prior Sale	Jul 12, 2017 · Amount on Record
Deed Document Number	202015718
Deed Book / Page	2479 / 3311
Prior Transfer Date	Apr 9, 2012
Prior Transfer Doc	0019123313
Record Updated	Sep 20, 2026

March 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RICHLAND SC
Recording Date	Mar 26, 2020
Property Address	553 JACOBS MILL POND RD, ELGIN, SC 29045-9300
Document Number	2479/3311
Book / Page	002479 / 003311
Instrument Date	Mar 20, 2020
Instrument	15718
Transaction Type	Transfer
Record Updated	May 8, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,535.00
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	553 JACOBS MILL POND RD ELGIN SC 290459300, ELGIN, SC 29045-9300

Mortgage

Document Number	2479/3315
Date	Mar 26, 2020
Book Page	002479/003315
Instrument	15719

Lender

Name	BAXTER CU
Type	Credit Union
Address	VERNON HILLS, IL 60061

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 25, 2050

Interest

Rate Type	Adjustable Rate
Rate	3%

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RICHLAND SC
Recording Date	Jul 12, 2017
Property Address	553 JACOBS MILL POND RD, ELGIN, SC 29045-9300
Document Number	2226/3715
Book / Page	002226 / 003715
Instrument Date	Jul 11, 2017
Instrument	51596
Transaction Type	Transfer
Record Updated	Jul 27, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$2,571.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	553 JACOBS MILL POND RD ELGIN SC 290459300, ELGIN, SC 29045-9300

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	$6,426.00 (+7.57%)	$732,400 (-) Land $193,200 Building $539,200	$732,400 (-) Land $193,200 Building $539,200
2024		$732,400 (+2,572.99%) Land $193,200 Building $539,200	$732,400 (+6.92%) Land $193,200 Building $539,200
2023	$5,974.00 (-1.4%)	$27,400 (-)	$685,000 (-)
2021	$6,059.00	$27,400	$685,000 Land $193,200 Building $491,800

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 31 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	31 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 64% of the US · lower than 90% of South Carolina
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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