Richland County property record for 827 Spears Dr, Elgin, SC 29045 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2006 |
| Square Footage | 1,436 sqft Heated Area |
| Lot Size | 4,108 sqft (0.094 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $123,500 (2009) |
| Tax Bill | $1,510.00 (2025) |
Source: Richland County records · APN 25810-02-86
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 | 827 SPEARS DR, ELGIN, SC 29045-8256 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Apr 17, 2023 | Deed of Trust, Mortgage · Line of Credit FIRST PALMETTO BANK |
| Jun 14, 2023 | Deed of Trust, Mortgage · Line of Credit THE CITIZENS BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 18, 2009 · Amount on Record |
| Deed Sale | Jun 18, 2009 · Amount on Record |
| Prior Sale | Mar 11, 2009 · Amount on Record |
| Deed Doc Number | 200947178 |
| Deed Book / Page | 1531 / 2101 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Property Address | 827 SPEARS DR, ELGIN, SC 29045-8256 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0028290455 |
|---|---|
| Date | Apr 17, 2023 |
| Book Page | 2829/455 |
| Instrument | 2023015506 |
| Name | FIRST PALMETTO BANK |
|---|---|
| Type | Bank |
| Address | CAMDEN, SC 29020 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 17, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Property Address | 827 SPEARS DR, ELGIN, SC 29045-8256 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2024 |
| Name | Verified Name |
|---|---|
| Address | 827 SPEARS DR, ELGIN, SC 29045-8256 |
| Document Number | 0028430284 |
|---|---|
| Date | Jun 14, 2023 |
| Book Page | 2843/284 |
| Instrument | 2023024809 |
| Name | THE CITIZENS BANK |
|---|---|
| Type | Bank |
| Address | CAMDEN, SC 29020 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jun 08, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
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 | $1,510.00 (+13.79%) | $134,900 (+2,775.11%) | $193,400 (+64.88%) Land $34,000 Building $159,400 |
| 2023 | $1,327.00 (+1.69%) | $4,692 (+0.04%) | $117,300 (-) |
| 2021 | $1,305.00 | $4,690 | $117,300 Land $24,000 Building $93,300 |
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 |
| 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.
| Primary APN | 25810-02-86 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 1,436 sqft Heated Area |
| Gross Area | 1,889 sqft Gross Area |
| 1st Floor | 589 sqft 1st Floor |
| Stories | 2 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| 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 | 4,108 sqft (0.094 acres) |
| Parking Spaces | 1 Parking Spaces |
| Garage Area | 264 sqft Garage |
| Porch Area | 189 sqft Porch |
| 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 |
| Account Number | 01891402 |
|---|---|
| Street Address | 827 SPEARS DR |
| City | ELGIN |
| State | SC |
| Zip | 29045-8256 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 64 45X80X45X80 #SU SPEARS CREEK VILLAGE PH 2 #PR RB1158-3105 RB1265-13231 |
| Legal Subdivision | SPEARS CREEK VILLAGE |
| Legal Lot Number | 45,64 |
| Jurisdiction | RICHLAND SC |
| Minor Civil Division | PONTIAC |
| Census Blockgroup | 1 |
| Census Block | 1003 |
| Census Tract | 11414 |
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