607 Silver Spoon Ln, Elgin, SC 29045 Property Records

Richland County property record for 607 Silver Spoon Ln, Elgin, SC 29045

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,375 sqft · built 2012
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$294,500 (Oct 2022)
Tax Bill	$2,629 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Oct 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`25905-08-07`

Property Details

APN / Parcel Number

Primary APN	`25905-08-07`
Alternative APNs	`R25905-08-07` `02014983`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,375 sqft Heated Area
Gross Area	3,092 sqft
1st Floor Area	931 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Conventional
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,454 sqft (0.24 acres)
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	276 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	02014983
Street Address	607 SILVER SPOON LN
City	ELGIN
State	SC
Zip	29045-7124
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PDD
Legal Description	LOT 99 35.8X129.5X22.9X110X128.4 #SU JACOBS CREEK PH 6 #PR RB1296-1343 RB1735-3177
Legal Subdivision	JACOBS CREEK
Legal Phase	6
Legal Lot Number	35,99
Jurisdiction	RICHLAND SC
Township / Civil Division	PONTIAC
Census Block Group	1
Census Block	1023
Census Tract	11425

Owner

607 Silver Spoon Ln is owned and occupied by two individuals who bought it in October 2022.

Source: Richland County records, as of July 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	607 SILVER SPOON LN, ELGIN, SC 29045-7124
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2022	Deed of Trust, Mortgage · FHA Mortgage CENLAR FSB
Oct 24, 2022	Warranty Deed, Transfer
Jun 10, 2021	Warranty Deed, Transfer · FHA Mortgage CMG MORTGAGE INC
Nov 8, 2017	Grant Deed, Transfer · VA Mortgage SOUTHERN FIRST BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 2022 · Amount on File
Deed Sale	Oct 24, 2022 · Amount on File
Prior Sale	Jun 10, 2021 · Amount on File
Deed Document Number	202259335
Deed Book / Page	2790 / 1106
Prior Transfer Date	Dec 1, 2014
Prior Transfer Doc	1990/1128
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	607 SILVER SPOON LN, ELGIN, SC 29045-7124
Transaction Type	Mortgage
Record Updated	Apr 11, 2024
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	607 SILVER SPOON LN, ELGIN, SC 29045-7124

Mortgage

Document Number	0027650552
Date	Jul 26, 2022
Book Page	2765/552
Instrument	2022042190

Lender

Name	CENLAR FSB
Type	Bank
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	347 Months
Due	Jun 1, 2051

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RICHLAND SC
Recording Date	Oct 24, 2022
Property Address	607 SILVER SPOON LN, ELGIN, SC 29045-7124
Document Number	0027901106
Book / Page	2790 / 1106
Map Reference	MB 1296 PG 1343
Instrument Date	Oct 21, 2022
Instrument	2022059335
Transaction Type	Transfer
Record Updated	Apr 11, 2024

Transaction

Amount	Amount on Record
Tax	$765.70
Amount Accuracy	Verified / From Affidavit
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	607 SILVER SPOON LN, ELGIN, SC 29045-7124
Investor	Possibly a Property Investor

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RICHLAND SC
Recording Date	Jun 10, 2021
Property Address	607 SILVER SPOON LN, ELGIN, SC 29045-7124
Document Number	0026280136
Book / Page	2628 / 136
Map Reference	MB 1296 PG 1343
Instrument Date	May 26, 2021
Instrument	2021037121
Transaction Type	Transfer
Record Updated	Apr 11, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$740.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	607 SILVER SPOON LN, ELGIN, SC 29045-7124

Mortgage

Document Number	2021037122
Date	Jun 10, 2021
Instrument	2021037122

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RICHLAND SC
Recording Date	Nov 8, 2017
Property Address	607 SILVER SPOON LN, ELGIN, SC 29045-7124
Document Number	2258/1337
Book / Page	002258 / 001337
Instrument Date	Nov 7, 2017
Instrument	85181
Transaction Type	Transfer
Record Updated	Jan 3, 2018

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$700.00
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	607 SILVER SPOON LN ELGIN SC 290457124, ELGIN, SC 29045-7124

Mortgage

Document Number	2258/1341
Date	Nov 8, 2017
Book Page	002258/001341
Instrument	85182

Lender

Name	SOUTHERN FIRST BK NA
Type	Bank
Address	CAYCE, SC 29033

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 7, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 607 Silver Spoon Ln was $2,629.

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	$2,629.00	$9,024 (-96.67%)	$271,100 (-) Land $41,100 Building $230,000
2024		$271,100 (+2,904.21%) Land $41,100 Building $230,000	$271,100 (+20.17%) Land $41,100 Building $230,000
2023	$2,778.00	$9,024	$225,600
2021	$1,910.00	$7,580	$189,400 Land $36,000 Building $153,400

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

FEMA maps place 607 Silver Spoon Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2015.

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

Wildfire risk around 607 Silver Spoon Ln is low, with less than a 0.01% annual chance of 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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