Richland County property record for 814 Derby Downs Ct, Elgin, SC 29045 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2015 |
| Square Footage | 1,560 sqft Heated Area |
| Lot Size | 5,519 sqft (0.126 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $65,153 (2015) |
| Tax Bill | $399.00 (2025) |
Source: Richland County records · APN 25911-18-05
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 | 814 DERBY DOWNS CT, ELGIN, SC 29045-7134 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Aug 25, 2022 | Deed of Trust, Mortgage · Veterans Administration Mortgage FREEDOM MORTGAGE CORP |
| Jun 16, 2023 | Deed of Trust, Mortgage · Veterans Administration Mortgage CLEARPATH LENDING |
| Dec 02, 2020 | Deed of Trust, Mortgage · Veterans Administration Mortgage FREEDOM MTG |
| Mar 04, 2020 | Deed of Trust, Mortgage · Veterans Administration Mortgage FREEDOM MTG |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 14, 2015 · Amount on Record |
| Deed Sale | Dec 14, 2015 · Amount on Record |
| Deed Doc Number | 201589069 |
| Deed Book / Page | 2076 / 136 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Property Address | 814 DERBY DOWNS CT, ELGIN, SC 29045-7134 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0027740071 |
|---|---|
| Date | Aug 25, 2022 |
| Book Page | 2774/71 |
| Instrument | 2022048286 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Property Address | 814 DERBY DOWNS CT, ELGIN, SC 29045-7134 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2024 |
| Name | Verified Name |
|---|---|
| Address | 814 DERBY DOWNS CT, ELGIN, SC 29045-7134 |
| Document Number | 0028433924 |
|---|---|
| Date | Jun 16, 2023 |
| Book Page | 2843/3924 |
| Instrument | 2023025383 |
| Name | CLEARPATH LENDING |
|---|---|
| Type | Lending Institution |
| Address | IRVINE, CA 92618 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Property Address | 814 DERBY DOWNS CT, ELGIN, SC 29045-7134 |
| Document Number | 2562/3641 |
| Instrument Date | Dec 02, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 25, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 814 DERBY DOWNS CT ELGIN SC 290457134, ELGIN, SC 29045-7134 |
| Document Number | 2562/3641 |
|---|---|
| Date | Dec 11, 2020 |
| Book Page | 002562/003641 |
| Instrument | 69666 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Dec 10, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Property Address | 814 DERBY DOWNS CT, ELGIN, SC 29045-7134 |
| Document Number | 2475/2854 |
| Instrument Date | Mar 04, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2020 |
| Title Company | INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 814 DERBY DOWNS CT ELGIN SC 290457134, ELGIN, SC 29045-7134 |
| Document Number | 2475/2854 |
|---|---|
| Date | Mar 09, 2020 |
| Book Page | 002475/002854 |
| Instrument | 13018 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Mar 08, 2045 |
Source: Richland County records · Assessment roll updated July 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | South Carolina |
| County | Richland County |
| Unified School District | Richland School District 2 (PK - 12) |
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 | $399.00 (+8.42%) | $203,200 (+56.07%) Land $36,000 Building $167,200 | |
| 2023 | $368.00 (+13.93%) | $130,200 (-) Land $31,500 Building $98,700 | |
| 2021 | $323.00 | $5,208 Land $1,260 Building $3,948 | $130,200 Land $31,500 Building $98,700 |
Source: FEMA National Flood Hazard Layer, Richland County (45079C), updated September 13, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | 25911-18-05 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 1,560 sqft Heated Area |
| Gross Area | 2,104 sqft Gross Area |
| 1st Floor | 664 sqft 1st Floor |
| Stories | 2 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Conventional Style |
| Exterior Material | Vinyl Exterior |
| Construction Type | Frame Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 5,519 sqft (0.126 acres) |
| Parking Spaces | 1 Parking Spaces |
| Garage Area | 360 sqft Garage |
| Porch Area | 184 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Heating Fuel | Electric Heating Fuel |
| Sewage | Municipal Sewage |
| Water Source | Commercial Water Source |
| Account Number | 02076327 |
|---|---|
| Street Address | 814 DERBY DOWNS CT |
| City | ELGIN |
| State | SC |
| Zip | 29045-7134 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 356 46X120X46X120 #SU JACOBS CREEK PH 11 #PR RB 1874-2492 |
| Legal Subdivision | JACOBS CREEK |
| Legal Lot Number | 46,356 |
| Jurisdiction | RICHLAND SC |
| Minor Civil Division | PONTIAC |
| Census Blockgroup | 1 |
| Census Block | 1018 |
| Census Tract | 11425 |
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