Richland County property record for 609 Cardinal Crest Rd, Elgin, SC 29045
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 4,734 sqft · built 2020 |
| Lot Size | 0.6 acres (26,136 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $560,791 (Jan 2022) |
| Tax Bill | $5,671 (2025) |
| Deeds & Mortgages | Jan 2021 Sale & Mortgage Jan 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 29001-03-05 |
| Primary APN | 29001-03-05 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 4,734 sqft Heated Area |
| Gross Area | 5,948 sqft |
| 1st Floor Area | 2,320 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 | 26,136 sqft (0.6 acres) |
| Garage Area | 780 sqft |
| Porch | Slab |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 02149874 |
|---|---|
| Street Address | 609 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 2 82.5X234.7X4.4X42.8X43.6X19.7 X257.3X27.5 #SU CREST AT WOODCREEK FARMS |
| Legal Subdivision | WOODCREEK |
| Legal Lot Number | 2,82 |
| Jurisdiction | RICHLAND SC |
| Township / Civil Division | PONTIAC |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 11407 |
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 | 609 CARDINAL CREST RD, ELGIN, SC 29045-9808 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 31, 2021 | Grant Deed, Subdivision Related Transfer · Conventional with PMI GUARANTEED RATE AFFINITY LLC |
| Jan 25, 2022 | Deed, Subdivision Related Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 25, 2022 · Amount on Record |
| Deed Sale | Jan 25, 2022 · Amount on Record |
| Prior Sale | Jan 31, 2021 · Amount on Record |
| Deed Document Number | 20224653 |
| Deed Book / Page | 2710 / 225 |
| Record Updated | Sep 20, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Jan 31, 2021 |
| Property Address | 609 CARDINAL CREST RD, ELGIN, SC 29045-9808 |
| Document Number | 2581/3083 |
| Book / Page | 002581 / 003083 |
| Instrument Date | Jan 25, 2021 |
| Instrument | 6330 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Mar 22, 2021 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,075.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 609 CARDINAL CREST RD ELGIN SC 290459808, ELGIN, SC 29045-9808 |
| Document Number | 2581/3087 |
|---|---|
| Date | Jan 31, 2021 |
| Book Page | 002581/003087 |
| Instrument | 6331 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 30, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Jan 25, 2022 |
| Property Address | 609 CARDINAL CREST RD, ELGIN, SC 29045-9808 |
| Document Number | 0027100225 |
| Book / Page | 2710 / 225 |
| Map Reference | MB 2338 PG 2380 |
| Instrument Date | Jan 25, 2021 |
| Instrument | 2022004653 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Apr 11, 2024 |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,458.60 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 609 CARDINAL CREST RD, ELGIN, SC 29045-9808 |
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 | $5,671.00 (+17.48%) | $644,900 (+2,775.42%) | $780,000 (+39.11%) Land $71,500 Building $708,500 |
| 2023 | $4,827.00 (-75.72%) | $22,428 (-33.33%) | $560,700 (-) |
| 2021 | $19,882.00 | $33,640 | $560,700 Land $65,000 Building $495,700 |
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.
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 Record 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.
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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