658 Watts Hill Rd, Elgin, SC 29045 Property Records

Kershaw County property record for 658 Watts Hill Rd, Elgin, SC 29045

Property Summary

Property Type	Single Family Home
Details	2,200 sqft · built 2018
Lot Size	0.569 acres (24,829 sqft)
Owner	Individual Name on Record
Last Sale	$235,000 (Oct 2021)
Tax Bill	$1,457 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Dec 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`322-00-00-100`

Property Details

APN / Parcel Number

Primary APN	`322-00-00-100`
Alternative APN	`5098`

Interior

Stories	1 Story
Building Area	2,200 sqft Gross Area

Exterior

Year Built	Built 2018
Exterior Material	Vinyl
Lot Area	24,829 sqft (0.569 acres)

Location & Zoning

Account Number	5098
Street Address	658 WATTS HILL RD
City	ELGIN
State	SC
Zip	29045-8919
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-15
Legal Description	PARCEL C
Jurisdiction	KERSHAW SC
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3016
Census Tract	970907

Owner

Source: Kershaw County records, as of November 6, 2025

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	658 WATTS HILL RD, ELGIN, SC 29045-8919
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2024	Deed of Trust, Mortgage · VA Mortgage PLANET HOME LENDING LLC
Dec 13, 2019	Deed of Trust, Mortgage · VA Mortgage PENNYMAC
Sep 28, 2018	Grant Deed, Subdivision Related Transfer · VA Mortgage MVB MTG
Feb 14, 2018	Grant Deed, Construction Loan · Line of Credit SYNOVUS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 29, 2021 · Amount on Record
Deed Sale	Oct 29, 2021 · Amount on Record
Deed Document Number	0004608143
Record Updated	Jun 8, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERSHAW SC
Property Address	658 WATTS HILL RD, ELGIN, SC 29045-8919
Transaction Type	Mortgage
Record Updated	Feb 6, 2024
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002024516
Date	Jan 22, 2024
Book Page	5076/240
Instrument	2024-516

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company
Address	MERIDEN, CT 06450

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERSHAW SC
Property Address	658 WATTS HILL RD, ELGIN, SC 29045-8919
Document Number	0000010371
Instrument Date	Dec 13, 2019
Transaction Type	Mortgage
Record Updated	Jan 15, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	658 WATTS HILL RD ELGIN SC 290458919, ELGIN, SC 29045-8919

Mortgage

Document Number	0000010371
Date	Dec 27, 2019
Book Page	004144/000289
Instrument	10371

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 26, 2049

September 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	KERSHAW SC
Recording Date	Sep 28, 2018
Property Address	658 WATTS HILL RD, ELGIN, SC 29045-8919
Document Number	0000007706
Book / Page	003925 / 000196
Instrument Date	Sep 28, 2018
Instrument	7706
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 16, 2019
Title Company	OTHER

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$625.67
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	658 WATTS HILL RD ELGIN SC 290458919, ELGIN, SC 29045-8919

Mortgage

Document Number	7707
Date	Sep 28, 2018
Book Page	003925/000201
Instrument	7707

Lender

Name	MVB MTG
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 27, 2048

February 2018: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	KERSHAW SC
Recording Date	Feb 14, 2018
Property Address	658 WATTS HILL RD, ELGIN, SC 29045-8919
Document Number	0000001129
Book / Page	003817 / 000110
Instrument Date	Feb 12, 2018
Instrument	1129
Transaction Type	Construction Loan
Record Updated	Mar 5, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$39.78
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	44 STRAWBERRY FIELD LN ELGIN SC 290458767, ELGIN, SC 29045-8767

Mortgage

Document Number	1130
Date	Feb 14, 2018
Book Page	003817/000113
Instrument	1130

Lender

Name	SYNOVUS BK
Type	Bank
Address	COLUMBUS, GA 31901

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Feb 13, 2019

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Kershaw County assessment roll, as of September 13, 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	$1,457.00 (+948.2%)	$235,000 (-) Land $20,000 Building $215,000	$235,000 (-)
2023	$139.00	$235,000 Land $20,000 Building $215,000	$235,000

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 · 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 9 (5% premium discount)
Nearby Flood Policies	3 in force

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	Moderate above 48% of the US · above 48% of South Carolina
Wildfire Likelihood	0.08% 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	LUGOFF ELGIN WATER AUTH serves 25,783 people · EPA ID SC2820001
Water Source	Surface water
Last State Inspection	Feb 2026
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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