656 Jones Ln, Elgin, SC 29045 Property Records

Kershaw County property record for 656 Jones Ln, Elgin, SC 29045

Property Summary

Property Type	Single Family Home
Details	2,842 sqft · built 2018
Lot Size	1.83 acres (79,715 sqft)
Owner	2 Individual Names on Record
Last Sale	$225,000 (Jun 2021)
Tax Bill	$1,262 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Sep 2018 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`278-00-00-084`

Property Details

APN / Parcel Number

Primary APN	`278-00-00-084`
Alternative APNs	`0278 00 00 0840` `46414`

Interior

Stories	1 Story
Building Area	2,842 sqft Gross Area

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Vinyl
Lot Area	79,715 sqft (1.83 acres)

Location & Zoning

Account Number	46414
Street Address	656 JONES LN
City	ELGIN
State	SC
Zip	29045-9722
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD2
Legal Description	TILLMAN ACRES SUBDIV LOT 3
Legal Subdivision	TILLMAN ACRES SUBDIV
Legal Lot Number	3
Jurisdiction	KERSHAW SC
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2017
Census Tract	970401

Owner

Source: Kershaw County records, as of December 22, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	656 JONES LN, ELGIN, SC 29045-9722
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2020	Quit Claim Deed, Transfer FOUNDERS FCU
Sep 10, 2018	Grant Deed, Subdivision Related Transfer · FHA Mortgage STEARNS LNDG LLC
Apr 23, 2018	Quit Claim Deed, Mortgage · Line of Credit FIRST PALMETTO BK
Mar 24, 2017	Grant Deed, Transfer · Line of Credit FARM CREDIT SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2021 · Amount on Record
Deed Sale	Jun 1, 2021 · Amount on Record
Prior Sale	Sep 10, 2018 · Amount on Record
Deed Document Number	20215992
Deed Book / Page	4488 / 303
Prior Transfer Date	Mar 19, 2013
Prior Transfer Doc	0000002112
Record Updated	Jun 8, 2026

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KERSHAW SC
Recording Date	Jun 12, 2020
Property Address	656 JONES LN, ELGIN, SC 29045-9722
Document Number	0000005039
Book / Page	004240 / 000086
Instrument Date	May 22, 2020
Instrument	5039
Transaction Type	Transfer
Record Updated	Jul 14, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	656 JONES LN ELGIN SC 290459722, ELGIN, SC 29045-9722

Mortgage

Document Number	5040
Date	Jun 12, 2020
Book Page	004240/000090
Instrument	5040

Lender

Name	FOUNDERS FCU
Type	Credit Union
Address	LANCASTER, SC 29720

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 11, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.25%

September 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	KERSHAW SC
Recording Date	Sep 10, 2018
Property Address	656 JONES LN, ELGIN, SC 29045-9722
Document Number	0000007133
Book / Page	003916 / 000013
Instrument Date	Aug 30, 2018
Instrument	7133
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 25, 2018

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$633.24
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	656 JONES LN ELGIN SC 29045, ELGIN, SC 29045

Mortgage

Document Number	7134
Date	Sep 10, 2018
Book Page	003916/000015
Instrument	7134

Lender

Name	STEARNS LNDG LLC
Address	SANTA ANA, CA 92707

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 9, 2048

April 2018: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	KERSHAW SC
Recording Date	Apr 23, 2018
Property Address	656 JONES LN, ELGIN, SC 29045-9722
Document Number	0000003104
Book / Page	003848 / 000232
Instrument Date	Apr 9, 2018
Instrument	3104
Transaction Type	Mortgage
Record Updated	Jan 31, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	500 N BRICKYARD RD COLUMBIA SC 292236943, COLUMBIA, SC 29223-6943

Mortgage

Document Number	3105
Date	Apr 23, 2018
Book Page	003848/000236
Instrument	3105

Lender

Name	FIRST PALMETTO BK
Type	Bank
Address	CAMDEN, SC 29020

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KERSHAW SC
Recording Date	Mar 24, 2017
Property Address	656 JONES LN, ELGIN, SC 29045-9722
Document Number	0000002386
Book / Page	003668 / 000292
Instrument Date	Mar 24, 2017
Instrument	2386
Transaction Type	Transfer
Record Updated	Apr 5, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$74.00
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	3 SPANISH MOSS CT ELGIN SC 290458212, ELGIN, SC 29045-8212

Mortgage

Document Number	2387
Date	Mar 24, 2017
Book Page	003668/000297
Instrument	2387

Lender

Name	FARM CREDIT SVCS
Type	Funding / Finance Company
Address	LUGOFF, SC 29078-1030

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Mar 23, 2032

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Kershaw County assessment roll, as of November 7, 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	$1,262.00 (+18.94%)	$198,400 (-) Land $19,900 Building $178,500	$198,400 (-)
2023	$1,061.00	$198,400 Land $19,900 Building $178,500	$198,400

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 28, 2018

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 42% of the US · lower than 70% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TruVista Communications Fiber	5,000 / 5,000

Cell Coverage

5G and 4G LTE (outdoors only)

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