Richland County property record for 605 Cardinal Crest Rd, Elgin, SC 29045
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 4,206 sqft · built 2020 |
| Lot Size | 0.55 acres (23,958 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $875,000 (Dec 2023) |
| Tax Bill | $29,235 (2024) |
| Deeds & Mortgages | Dec 2023 Sale & Mortgage Oct 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 29001-03-04 |
| Primary APN | 29001-03-04 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 4,206 sqft Heated Area |
| Gross Area | 5,261 sqft |
| 1st Floor Area | 2,294 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Conventional |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 23,958 sqft (0.55 acres) |
| Garage Area | 819 sqft |
| Porch | Slab |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 02149865 |
|---|---|
| Street Address | 605 CARDINAL CREST RD |
| City | ELGIN |
| State | SC |
| Zip | 29045-9808 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD |
| Legal Description | LOT 1 116.9X156.9X61.6X39.2X41.9X 234.7 #SU CREST AT WOODCREEK FARMS |
| Legal Subdivision | WOODCREEK |
| Legal Lot Number | 1,116 |
| Jurisdiction | RICHLAND SC |
| Township / Civil Division | PONTIAC |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 11407 |
605 Cardinal Crest Rd is owned and occupied by two individuals who bought it in December 2023.
Source: Richland County records, as of July 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 605 CARDINAL CREST RD, ELGIN, SC 29045-9808 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 20, 2023 | Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Oct 15, 2020 | Grant Deed, Subdivision Related Transfer · Conventional with PMI QUICKEN LNS |
| Oct 18, 2019 | Warranty Deed, Transfer · Line of Credit BRANCH BK&TR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 20, 2023 · Amount on File |
| Deed Sale | Dec 20, 2023 · Amount on File |
| Prior Sale | Oct 15, 2020 · Amount on File |
| Deed Document Number | 202354640 |
| Deed Book / Page | 2887 / 2740 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Dec 20, 2023 |
| Property Address | 605 CARDINAL CREST RD, ELGIN, SC 29045-9808 |
| Document Number | 0028872740 |
| Book / Page | 2887 / 2740 |
| Map Reference | MB 2336 PG 2380 |
| Instrument Date | Dec 18, 2023 |
| Instrument | 2023054640 |
| Transaction Type | Transfer |
| Record Updated | Apr 11, 2024 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,275.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 605 CARDINAL CREST RD, ELGIN, SC 29045-9808 |
| Document Number | 2023054644 |
|---|---|
| Date | Dec 20, 2023 |
| Instrument | 2023054644 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jan 1, 2039 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Oct 15, 2020 |
| Property Address | 605 CARDINAL CREST RD, ELGIN, SC 29045-9808 |
| Document Number | 2539/1723 |
| Book / Page | 002539 / 001723 |
| Instrument Date | Sep 17, 2020 |
| Instrument | 54845 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 29, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,979.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 605 CARDINAL CREST RD ELGIN SC 290459808, ELGIN, SC 29045-9808 |
| Document Number | 2539/1727 |
|---|---|
| Date | Oct 15, 2020 |
| Book Page | 002539/001727 |
| Instrument | 54846 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 14, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Oct 18, 2019 |
| Property Address | 605 CARDINAL CREST RD, ELGIN, SC 29045-9808 |
| Document Number | 2438/1147 |
| Book / Page | 002438 / 001147 |
| Instrument Date | Oct 16, 2019 |
| Instrument | 77916 |
| Transaction Type | Transfer |
| Record Updated | Feb 12, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $252.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 161 PONTIAC BUSINESS CENTER DR ELGIN SC 290457123, ELGIN, SC 29045-7123 |
| Document Number | 2438/1151 |
|---|---|
| Date | Oct 18, 2019 |
| Book Page | 002438/001151 |
| Instrument | 77917 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | COLUMBIA, SC 29201-3200 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
Source: Richland County assessment roll, as of July 14, 2026
| Type | Name |
|---|---|
| State | South Carolina |
| County | Richland County |
| Municipality | Columbia City |
| Unified School District | Richland School District 2 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $21,396 | $802,620 | |
| 2024 | $29,235.00 (+534.72%) | ||
| 2023 | $4,606.00 (-51.37%) | $21,396 | $534,900 |
| 2022 | $9,472.00 (+94.78%) | ||
| 2021 | $4,863.00 | $21,400 | $534,900 Land $65,000 Building $469,900 |
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.
FEMA maps place 605 Cardinal Crest Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 File 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 risk around 605 Cardinal Crest Rd is moderate, ranking above 43% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 43% of the US · lower than 67% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 204 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 |
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