811 Spears Dr, Elgin, SC 29045 Property Records

Richland County property record for 811 Spears Dr, Elgin, SC 29045 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,466 sqft · built 2005
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on File
Last Sale	$124,500 (Jul 2019)
Tax Bill	$1,578 (2025)
Deeds & Mortgages	Jul 2019 Sale & Mortgage Jan 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`25810-02-15`

Property Details

APN / Parcel Number

Primary APN	`25810-02-15`
Alternative APNs	`R25810-02-15` `01805657`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,466 sqft Heated Area
Gross Area	1,930 sqft
1st Floor Area	589 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	3,485 sqft (0.08 acres)
Garage Area	275 sqft
Parking Spaces	1 Parking Space
Porch	Patio
Porch Area	189 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	01805657
Street Address	811 SPEARS DR
City	ELGIN
State	SC
Zip	29045-8256
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 87 45X80X45.2X80 #SU SPEARS CREEK VILLAGE PH I #PR RB970-3129
Legal Subdivision	SPEARS CREEK VILLAGE
Legal Lot Number	45,87
Jurisdiction	RICHLAND SC
Township / Civil Division	PONTIAC
Census Block Group	1
Census Block	1003
Census Tract	11414

Owner

Source: Richland County records · APN 25810-02-15

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	811 SPEARS DR, ELGIN, SC 29045-8256
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2019	Grant Deed, Transfer · VA Mortgage NAVY FCU
Jan 23, 2019	Quit Claim Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 26, 2019 · Amount on Record
Deed Sale	Jul 26, 2019 · Amount on Record
Prior Sale	Aug 01, 2005 · Amount on Record
Deed Document Number	201954539
Deed Book / Page	2413 / 3828
Prior Transfer Date	Jan 23, 2019
Prior Transfer Doc	0023663958
Record Updated	Sep 20, 2026

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RICHLAND SC
Recording Date	Jul 26, 2019
Property Address	811 SPEARS DR, ELGIN, SC 29045-8256
Document Number	2413/3828
Book / Page	002413 / 003828
Instrument Date	Jul 25, 2019
Instrument	54539
Transaction Type	Transfer
Record Updated	Aug 26, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$460.65
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	811 SPEARS DR ELGIN SC 290458256, ELGIN, SC 29045-8256

Mortgage

Document Number	2413/3831
Date	Jul 26, 2019
Book Page	002413/003831
Instrument	54540

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 25, 2049

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	RICHLAND SC
Recording Date	Jan 23, 2019
Property Address	811 SPEARS DR, ELGIN, SC 29045-8256
Document Number	2366/3958
Book / Page	002366 / 003958
Instrument Date	Jan 23, 2019
Instrument	5027
Transaction Type	Transfer
Record Updated	Feb 12, 2019
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4580 HEBBARD WAY EVANS GA 308093810, EVANS, GA 30809-3810

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
Unified School District	Richland School District 2 (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,578.00 (+13.77%)	$143,200 (-)	$198,500 (-) Land $34,000 Building $164,500
2024		$143,200 (+2,775.5%)	$198,500 (+59.44%) Land $34,000 Building $164,500
2023	$1,387.00 (-68.92%)	$4,980 (-33.33%)	$124,500 (-)
2021	$4,463.00	$7,470	$124,500 Land $24,000 Building $100,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Richland County (45079C), updated September 13, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 450790114141, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	9 in force

Wildfire

Wildfire Risk	Low above 32% of the US · above 6% of South Carolina
Wildfire Likelihood	About 1 in 3,333 per year
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, availability as of December 31, 2025 · Published October 2026 · based on 217 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
AT&T	DSL	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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