581 Silver Spoon Ln, Elgin, SC 29045 Property Records

Richland County property record for 581 Silver Spoon Ln, Elgin, SC 29045

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,109 sqft · built 2009
Lot Size	0.179 acres (7,796 sqft)
Owner	Individual Name on Record
Tax Bill	$399 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Nov 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25906-12-02`

Property Details

APN / Parcel Number

Primary APN	`25906-12-02`
Alternative APNs	`R25906-12-02` `02015296`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,109 sqft Heated Area
Gross Area	2,712 sqft
1st Floor Area	893 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

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	7,796 sqft (0.179 acres)
Garage Area	399 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	204 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	02015296
Street Address	581 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 105 80.4X134.3X38.7X127.4 #SU JACOBS CREEK PH 6 #PR RB1296-1343
Legal Subdivision	JACOBS CREEK
Legal Lot Number	80,105
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	581 SILVER SPOON LN, ELGIN, SC 29045-7102
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 11, 2025	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Nov 8, 2023	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Sep 18, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 5, 2014
Deed Sale	Jun 5, 2014
Prior Sale	Oct 6, 2009 · Amount on Record
Deed Document Number	201440676
Deed Book / Page	1950 / 1789
Prior Transfer Date	May 14, 2014
Prior Transfer Doc	0019501789
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	581 SILVER SPOON LN, ELGIN, SC 29045-7102
Transaction Type	Mortgage
Record Updated	Dec 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	581 SILVER SPOON LN, ELGIN, SC 29045-7102

Mortgage

Document Number	0030820828
Date	Dec 11, 2025
Book Page	3082/828
Instrument	2025059151

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	581 SILVER SPOON LN, ELGIN, SC 29045-7102
Transaction Type	Mortgage
Record Updated	Apr 11, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	581 SILVER SPOON LN, ELGIN, SC 29045-7102

Mortgage

Document Number	0028780194
Date	Nov 8, 2023
Book Page	2878/194
Instrument	2023048373

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	581 SILVER SPOON LN, ELGIN, SC 29045-7102
Document Number	2537/2158
Instrument Date	Sep 18, 2020
Transaction Type	Mortgage
Record Updated	Dec 18, 2020
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	581 SILVER SPOON LN ELGIN SC 290457102, ELGIN, SC 29045-7102

Mortgage

Document Number	2537/2158
Date	Oct 7, 2020
Book Page	002537/002158
Instrument	53570

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Oct 6, 2045

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	$399.00 (+8.42%)		$247,000 (-) Land $41,100 Building $205,900
2024			$247,000 (+55.54%) Land $41,100 Building $205,900
2023	$368.00 (+13.93%)
2021	$323.00	$6,352 Land $1,440 Building $4,912	$158,800 Land $36,000 Building $122,800

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

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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