820 Spears Dr, Elgin, SC 29045 Property Records

Richland County property record for 820 Spears Dr, Elgin, SC 29045 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2005
Square Footage	1,623 sqft Heated Area
Lot Size	4,269 sqft (0.098 acres)
Occupancy	Owner Occupied
Last Sale	$230,000 (2025)
Tax Bill	$399.00 (2025)

Owner

Source: Richland County records · APN 25810-03-06

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	820 SPEARS DR, ELGIN, SC 29045-8255
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 11, 2025 · Amount on Record
Deed Sale	Feb 11, 2025 · Amount on Record
Prior Sale	Mar 28, 2021 · Amount on Record
Deed Doc Number	20256108
Deed Book / Page	2993 / 2608
Record Refreshed	Sep 20, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RICHLAND SC
Recording Date	Mar 28, 2021
Property Address	820 SPEARS DR, ELGIN, SC 29045-8255
Document Number	0026020610
Book / Page	2602 / 610
Map Reference	MB 970 PG 3129
Instrument Date	Mar 19, 2021
Instrument	2021019487
Transaction Type	Transfer
Record Updated	Apr 11, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$603.10
Amount Accuracy	From Affidavit or Verified
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenant/Joint Tenant w/ Right Of Survivorship
Address	820 SPEARS DR, ELGIN, SC 29045-8255

Mortgage

Document Number	2021019488
Date	Mar 28, 2021
Instrument	2021019488

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 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
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	$399.00 (-76.56%)	$6,520 (-96.52%)	$207,400 (+27.24%) Land $34,000 Building $173,400
2024		$187,500 (+2,775.77%)
2023	$1,702.00 (+22.89%)	$6,520 (+28.6%)	$163,000 (+28.55%)
2021	$1,385.00	$5,070	$126,800 Land $24,000 Building $102,800

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

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; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN	`25810-03-06`
Alternative APNs	`R25810-03-06` `01805933`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Partial Baths	1 Partial Baths
Building Area	1,623 sqft Heated Area
Gross Area	2,050 sqft Gross Area
1st Floor	711 sqft 1st Floor
Stories	2 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
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	4,269 sqft (0.098 acres)
Parking Spaces	1 Parking Spaces
Garage Area	253 sqft Garage
Porch Area	174 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air with Air Conditioning Heating
Heating Fuel	Gas Heating Fuel
Sewage	Municipal Sewage
Water Source	Commercial Water Source

Location & Zoning

Account Number	01805933
Street Address	820 SPEARS DR
City	ELGIN
State	SC
Zip	29045-8255
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LOT 5 45X80X45X80 #SU SPEARS CREEK VILLAGE PH I #PR RB970-3129 RB1041-602
Legal Subdivision	SPEARS CREEK VILLAGE
Legal Lot Number	5,45
Jurisdiction	RICHLAND SC
Minor Civil Division	PONTIAC
Census Blockgroup	1
Census Block	1003
Census Tract	11414