81 Redbay Rd, Elgin, SC 29045 Property Records

Richland County property record for 81 Redbay Rd, Elgin, SC 29045

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 5,291 sqft · built 2004
Lot Size	0.594 acres (25,897 sqft)
Owner	Individual Name on File
Last Sale	$620,000 (Aug 2021)
Deeds & Mortgages	Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28905-07-04`

Property Details

APN / Parcel Number

Primary APN	`28905-07-04`
Alternative APNs	`R28905-07-04` `01624898`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	5,291 sqft Heated Area
Gross Area	6,898 sqft
1st Floor Area	3,059 sqft
Attic	Attic
Attic Area	90 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2009
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	25,897 sqft (0.594 acres)
Garage Area	968 sqft
Parking Spaces	4 Parking Spaces
Porch	Patio
Porch Area	549 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	01624898
Street Address	81 REDBAY RD
City	ELGIN
State	SC
Zip	29045-8684
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	LOT 4 135X170.6X135X170.4 #SU WOODCREEK FARMS PH1 TR D14 # PR RB457-2035 RB297-46
Legal Subdivision	WOODCREEK
Legal Tract	D14
Legal Lot Number	4,135
Jurisdiction	RICHLAND SC
Township / Civil Division	PONTIAC
Census Block Group	2
Census Block	2065
Census Tract	11407

Owner

Source: Richland County records · APN 28905-07-04

Assessment roll updated July 14, 2026 · Last verified July 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 File
Mailing Address	81 REDBAY RD, ELGIN, SC 29045-8684
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 12, 2021 · Amount on Record
Deed Sale	Aug 12, 2021 · Amount on Record
Prior Sale	Jan 10, 2003 · Amount on Record
Deed Document Number	202154158
Deed Book / Page	2653 / 3321
Prior Transfer Date	Mar 05, 2015
Prior Transfer Doc	2010/0805
Record Updated	Sep 20, 2026

August 2021: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	RICHLAND SC
Recording Date	Aug 12, 2021
Property Address	81 REDBAY RD, ELGIN, SC 29045-8684
Document Number	0026533321
Book / Page	2653 / 3321
Map Reference	MB 457 PG 2035
Instrument Date	Jun 28, 2021
Instrument	2021054158
Transaction Type	Transfer
Record Updated	Apr 11, 2024

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,294.00
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	81 REDBAY RD, ELGIN, SC 29045-8684

Mortgage

Document Number	2021054159
Date	Aug 12, 2021
Instrument	2021054159

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jul 01, 2051

Tax Assessment & Valuation

Source: Richland County records · Assessment roll updated July 14, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	South Carolina
County	Richland County
Municipality	Columbia City
Unified School District	Richland School District 2 (PK - 12)

Tax Bill & Assessment History

Assessed market value is set for property tax purposes and is not a market price estimate.

Year	Assessed Market Value
2025	$785,800 (-) Land $88,000 Building $697,800
2024	$785,800 (+23.98%) Land $88,000 Building $697,800
2023	$633,800 Land $80,000 Building $553,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 13, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 65% of the US · lower than 92% of South Carolina
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fiber	1,000 / 1,000

Based on FCC filings for 78 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CITY OF COLUMBIA serves 354,068 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.