784 Dial Creek Rd, Elgin, SC 29045 Property Records

Richland County property record for 784 Dial Creek Rd, Elgin, SC 29045

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 4,532 sqft · built 2019
Lot Size	0.49 acres (21,344 sqft)
Owner	Individual Name on Record
Last Sale	$484,530 (Jun 2019)
Tax Bill	$399 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Apr 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`25810-05-19`

Property Details

APN / Parcel Number

Primary APN	`25810-05-19`
Alternative APNs	`R25810-05-19` `01945382`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,532 sqft Heated Area
Gross Area	5,554 sqft
1st Floor Area	2,332 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	21,344 sqft (0.49 acres)
Garage Area	756 sqft
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	01945382
Street Address	784 DIAL CREEK RD
City	ELGIN
State	SC
Zip	29045-2003
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-LD
Legal Description	LOT 14 110X195X110X195 #SU SANCTUARY @ GREENHILL PARISH
Legal Subdivision	GREENHILL PARISH
Legal Lot Number	14,110
Jurisdiction	RICHLAND SC
Township / Civil Division	PONTIAC
Census Block Group	2
Census Block	2015
Census Tract	11407

Owner

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	784 DIAL CREEK RD, ELGIN, SC 29045-2003
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG
Apr 13, 2020	Deed of Trust, Mortgage · Conventional with PMI FREEDOM MTG
Jun 10, 2019	Grant Deed, Subdivision Related Transfer · VA Mortgage AMERIS BK
Nov 19, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Sep 7, 2018	Loan Modification, Mortgage WELLS FARGO BK
Sep 7, 2018	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 10, 2019 · Amount on Record
Deed Sale	Jun 10, 2019 · Amount on Record
Prior Sale	Sep 7, 2018 · Amount on Record
Deed Document Number	201940250
Deed Book / Page	2400 / 1504
Prior Transfer Date	Nov 19, 2018
Prior Transfer Doc	0023511396
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	784 DIAL CREEK RD, ELGIN, SC 29045-2003
Document Number	2575/2974
Instrument Date	Jan 4, 2021
Transaction Type	Mortgage
Record Updated	Mar 17, 2021
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	784 DIAL CREEK RD ELGIN SC 290452003, ELGIN, SC 29045-2003

Mortgage

Document Number	2575/2974
Date	Jan 13, 2021
Book Page	002575/002974
Instrument	2271

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Jan 12, 2049

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	784 DIAL CREEK RD, ELGIN, SC 29045-2003
Document Number	2486/3736
Instrument Date	Apr 13, 2020
Transaction Type	Mortgage
Record Updated	Jun 23, 2020
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	784 DIAL CREEK RD ELGIN SC 290452003, ELGIN, SC 29045-2003

Mortgage

Document Number	2486/3736
Date	May 5, 2020
Book Page	002486/003736
Instrument	20270

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 4, 2050

June 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	RICHLAND SC
Recording Date	Jun 10, 2019
Property Address	784 DIAL CREEK RD, ELGIN, SC 29045-2003
Document Number	2400/1504
Book / Page	002400 / 001504
Instrument Date	Jun 7, 2019
Instrument	40250
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 27, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,792.76
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	784 DIAL CREEK RD ELGIN SC 290452003, ELGIN, SC 29045-2003

Mortgage

Document Number	2400/1508
Date	Jun 10, 2019
Book Page	002400/001508
Instrument	40251

Lender

Name	AMERIS BK
Type	Bank
Address	MARIETTA, GA 30067

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 9, 2049

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	RICHLAND SC
Recording Date	Nov 19, 2018
Property Address	784 DIAL CREEK RD, ELGIN, SC 29045-2003
Document Number	2351/1396
Book / Page	002351 / 001396
Instrument Date	Nov 19, 2018
Instrument	83260
Transaction Type	Transfer
Record Updated	Dec 11, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	441 WESTERN LN IRMO SC 290639230, IRMO, SC 29063-9230

September 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	RICHLAND SC
Recording Date	Sep 7, 2018
Property Address	784 DIAL CREEK RD, ELGIN, SC 29045-2003
Book / Page	002334 / 000762
Instrument Date	Sep 7, 2018
Instrument	65602
Transaction Type	Mortgage
Record Updated	Oct 1, 2018
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Investor	Possibly a Property Investor

Mortgage

Document Number	2334/0762
Date	Sep 7, 2018
Book Page	002334/000762
Instrument	65602

Lender

Name	WELLS FARGO BK
Type	Bank
Address	301 S COLLEGE ST, CHARLOTTE, NC 28202-6000

Agreement

Amount	Amount Recorded

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RICHLAND SC
Recording Date	Sep 7, 2018
Property Address	784 DIAL CREEK RD, ELGIN, SC 29045-2003
Document Number	2334/0758
Book / Page	002334 / 000758
Instrument Date	Sep 6, 2018
Instrument	65601
Transaction Type	Transfer
Record Updated	Oct 2, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$999.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	441 WESTERN LN IRMO SC 290639230, IRMO, SC 29063-9230
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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	$399.00 (+8.42%)		$648,700 (-) Land $44,000 Building $604,700
2024			$648,700 (+33.89%) Land $44,000 Building $604,700
2023	$368.00 (-91.6%)
2021	$4,380.00	$19,380	$484,500 Land $40,000 Building $444,500

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

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
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.

Wildfire

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

Wildfire Risk	Low lower than 65% of the US · lower than 92% of South Carolina
Wildfire Likelihood	0.03% 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 217 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
AT&T DSL	100 / 20

784 Dial Creek Rd, Elgin, SC 29045 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

January 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

April 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

June 2019: Grant Deed, Subdivision Related Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

November 2018: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

September 2018: Loan Modification, Mortgage

Transaction

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

September 2018: Grant Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Dial Creek Rd

Nearby Streets

Search Property Records by Address or Parcel Number