823 Derby Downs Ct, Elgin, SC 29045 Property Records

Richland County property record for 823 Derby Downs Ct, Elgin, SC 29045 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	2 Baths
Year Built	Built 2014
Square Footage	1,929 sqft Heated Area
Lot Size	5,520 sqft (0.126 acres)
Occupancy	Owner Occupied
Last Sale	$66,423 (2015)
Tax Bill	$1,820.00 (2025)

Owner

Source: Richland County records · APN 25911-17-08

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	823 DERBY DOWNS CT, ELGIN, SC 29045-7135
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	Mar 27, 2015 · Amount on Record
Deed Sale	Mar 27, 2015 · Amount on Record
Deed Doc Number	201521689
Deed Book / Page	2015 / 2014
Record Refreshed	Sep 20, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	823 DERBY DOWNS CT, ELGIN, SC 29045-7135
Document Number	2238/1354
Book / Page	002238 / 001354
Instrument Date	Jul 06, 2017
Transaction Type	Mortgage
Record Updated	Oct 04, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	823 DERBY DOWNS CT ELGIN SC 290457135, ELGIN, SC 29045-7135

Mortgage

Document Number	2238/1354
Date	Aug 23, 2017
Book Page	002238/001354
Instrument	63041

Lender

Name	CHOU TEAM REALTY INC
Address	25391 COMMERCENTRE DR # 200, LAKE FOREST, CA 92630-8880

Agreement

Type	Conventional Mortgage with Private Mortgage Insurance (PMI)
Amount	Amount Recorded
Term	360 Months
Due	Aug 22, 2047

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	$1,820.00 (+13.96%)	$172,700 (+2,774.5%)	$228,100 (+51.86%) Land $36,000 Building $192,100
2023	$1,597.00 (+1.01%)	$6,008 (-0.03%)	$150,200 (-)
2021	$1,581.00	$6,010	$150,200 Land $31,500 Building $118,700

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

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.

Property Details

APN / Parcel Number

Primary APN	`25911-17-08`
Alternative APNs	`R25911-17-08` `02076238`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Partial Baths	1 Partial Baths
Building Area	1,929 sqft Heated Area
Gross Area	2,486 sqft Gross Area
1st Floor	803 sqft 1st Floor
Stories	2 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
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	5,520 sqft (0.126 acres)
Parking Spaces	1 Parking Spaces
Garage Area	361 sqft Garage
Porch Area	196 sqft Porch

Utilities and HVAC

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

Location & Zoning

Account Number	02076238
Street Address	823 DERBY DOWNS CT
City	ELGIN
State	SC
Zip	29045-7135
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LOT 372 46X120X46X120 #SU JACOBS CREEK PH 11 #PR RB 1874-2492
Legal Subdivision	JACOBS CREEK
Legal Lot Number	46,372
Jurisdiction	RICHLAND SC
Minor Civil Division	PONTIAC
Census Blockgroup	1
Census Block	1018
Census Tract	11425