578 Owl Ln, Elgin, SC 29045 Property Records

Kershaw County property record for 578 Owl Ln, Elgin, SC 29045

Property Summary

Property Type	Single Family Home
Details	3,252 sqft · built 2021
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on File
Last Sale	$399,900 (Dec 2021)
Tax Bill	$2,466 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Dec 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`321-00-00-297`

Property Details

APN / Parcel Number

Primary APN	`321-00-00-297`
Alternative APN	`8660`

Interior

Stories	2 Stories
Building Area	3,252 sqft Gross Area

Exterior

Year Built	Built 2021
Exterior Material	Vinyl
Lot Area	217,800 sqft (5 acres)

Location & Zoning

Account Number	8660
Street Address	578 OWL LN
City	ELGIN
State	SC
Zip	29045-8302
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OWL ESTATE SUBDIV LOT 2
Legal Subdivision	OWL ESTATE SUBDIV
Legal Lot Number	2
Jurisdiction	KERSHAW SC
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2008
Census Tract	970907

Owner

578 Owl Ln is owned and occupied by two individuals who bought it in December 2021.

Source: Kershaw County records, as of November 6, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	578 OWL LN, ELGIN, SC 29045-8302
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2023	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Dec 21, 2023	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2021 · Amount on File
Deed Sale	Dec 20, 2021 · Amount on File
Deed Document Number	0000046478
Record Updated	Jun 8, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERSHAW SC
Property Address	578 OWL LN, ELGIN, SC 29045-8302
Transaction Type	Mortgage
Record Updated	May 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	578 OWL LN, ELGIN, SC 29045-8302

Mortgage

Document Number	0202310841
Date	Dec 21, 2023
Book Page	5064/143
Instrument	2023-10841

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Dec 8, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERSHAW SC
Property Address	578 OWL LN, ELGIN, SC 29045-8302
Transaction Type	Mortgage
Record Updated	Jan 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	578 OWL LN, ELGIN, SC 29045-8302

Mortgage

Document Number	0202310841
Date	Dec 21, 2023
Book Page	5064/143
Instrument	2023-10841

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Dec 8, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 578 Owl Ln was $2,466.

Source: Kershaw County assessment roll, as of September 13, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,466.00	$423,900 Land $75,000 Building $348,900	$423,900
2023	$2,170.00	$423,900 Land $75,000 Building $348,900	$423,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 578 Owl Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 28, 2018 · 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 9 (5% premium discount)
Nearby Flood Policies	2 in force

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

Wildfire risk around 578 Owl Ln is moderate, ranking above 45% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · lower than 62% of South Carolina
Wildfire Likelihood	0.06% 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	LUGOFF ELGIN WATER AUTH serves 25,783 people · EPA ID SC2820001
Water Source	Surface water
Last State Inspection	Feb 2026
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 66 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Owl Ln

Nearby Streets

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