Richland County property record for 563 Silver Spoon Ln, Elgin, SC 29045
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 3 ba · 2,435 sqft · built 2009 |
| Lot Size | 0.157 acres (6,875 sqft) |
| Owner | Individual Name on File |
| Last Sale | $305,000 (May 2026) |
| Tax Bill | $2,115 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage Apr 2024 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25906-12-05 |
| Primary APN | 25906-12-05 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,435 sqft Heated Area |
| Gross Area | 3,182 sqft |
| 1st Floor Area | 1,075 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 |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,875 sqft (0.157 acres) |
| Garage Area | 399 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 348 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 02015321 |
|---|---|
| Street Address | 563 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 108 55X124.9X55X125 #SU JACOBS CREEK PHASE 6 #PR RB1296-1343; RB1581-1925 |
| Legal Subdivision | JACOBS CREEK |
| Legal Phase | 6 |
| Legal Lot Number | 55,108 |
| Jurisdiction | RICHLAND SC |
| Township / Civil Division | PONTIAC |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 11425 |
Source: Richland County records · APN 25906-12-05
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 | 563 SILVER SPOON LN, ELGIN, SC 29045-7102 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 11, 2026 | Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Apr 30, 2024 | Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Jun 07, 2023 | Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Jun 07, 2023 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 11, 2026 · Amount on Record |
| Deed Sale | May 11, 2026 · Amount on Record |
| Prior Sale | Jan 13, 2010 · Amount on Record |
| Deed Document Number | 202622581 |
| Deed Book / Page | 3126 / 1376 |
| Prior Transfer Date | May 22, 2023 |
| Prior Transfer Doc | 0028410961 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | May 11, 2026 |
| Property Address | 563 SILVER SPOON LN, ELGIN, SC 29045-7102 |
| Document Number | 0000022581 |
| Book / Page | 3126 / 1376 |
| Instrument Date | May 06, 2026 |
| Instrument | 2026.22581 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $80,093.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 563 SILVER SPOON LN, ELGIN, SC 29045-7102 |
| Document Number | 0000022582, |
|---|---|
| Date | May 11, 2026 |
| Instrument | 2026..22582 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2056 |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Property Address | 563 SILVER SPOON LN, ELGIN, SC 29045-7102 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2024 |
| Name | Verified Name |
|---|---|
| Address | 563 SILVER SPOON LN, ELGIN, SC 29045-7102 |
| Document Number | 0029191001 |
|---|---|
| Date | Apr 30, 2024 |
| Book Page | 2919/1001 |
| Instrument | 2024018527 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | 585 SOUTH BLVD E, PONTIAC, MI 48341 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Property Address | 563 SILVER SPOON LN, ELGIN, SC 29045-7102 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0028411172 |
|---|---|
| Date | Jun 07, 2023 |
| Book Page | 2841/1172 |
| Instrument | 2023023649 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2053 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Jun 07, 2023 |
| Property Address | 563 SILVER SPOON LN, ELGIN, SC 29045-7102 |
| Document Number | 0028410961 |
| Book / Page | 2841 / 961 |
| Map Reference | MB 1296 PG 1343 |
| Instrument Date | May 22, 2023 |
| Instrument | 2023023600 |
| Transaction Type | Transfer |
| Record Updated | Apr 11, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 563 SILVER SPOON LN, ELGIN, SC 29045-7102 |
Source: Richland County records · Assessment roll updated July 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | South Carolina |
| County | Richland County |
| Unified School District | Richland School District 2 (PK - 12) |
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 | $2,115.00 (+14.26%) | $251,910 (+0.65%) | |
| 2024 | $250,290 (+38.05%) | ||
| 2023 | $1,851.00 (+0.54%) | ||
| 2021 | $1,841.00 | $7,250 | $181,300 Land $36,000 Building $145,300 |
Source: FEMA National Flood Hazard Layer as of September 13, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| 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 at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: AT&T.
Based on FCC filings for 246 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF COLUMBIA serves 354,068 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures