828 Spears Dr, Elgin, SC 29045 Property Records

Richland County property record for 828 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 2006
Square Footage	1,612 sqft Heated Area
Lot Size	3,220 sqft (0.073 acres)
Occupancy	Owner Occupied
Last Sale	$142,900 (2006)
Tax Bill	$1,613.00 (2025)

Owner

Source: Richland County records · APN 25806-03-38

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	828 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	Aug 10, 2006 · Amount on Record
Deed Sale	Aug 10, 2006 · Amount on Record
Deed Doc Number	200671852
Deed Book / Page	1216 / 2151
Record Refreshed	Sep 20, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	828 SPEARS DR, ELGIN, SC 29045-8255
Document Number	2278/3301
Instrument Date	Jan 31, 2018
Transaction Type	Mortgage
Record Updated	Feb 27, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	828 SPEARS DR ELGIN SC 290458255, ELGIN, SC 29045-8255

Mortgage

Document Number	2278/3301
Date	Feb 07, 2018
Book Page	002278/003301
Instrument	7244

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Feb 06, 2033

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	$1,613.00 (+13.83%)	$147,400 (+2,774.41%)	$210,700 (+64.35%) Land $34,000 Building $176,700
2023	$1,417.00 (+1.43%)	$5,128 (-0.04%)	$128,200 (-)
2021	$1,397.00	$5,130	$128,200 Land $24,000 Building $104,200

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	`25806-03-38`
Alternative APNs	`R25806-03-38` `01890966`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Partial Baths	1 Partial Baths
Building Area	1,612 sqft Heated Area
Gross Area	2,040 sqft Gross Area
1st Floor	711 sqft 1st Floor
Stories	2 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

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	3,220 sqft (0.073 acres)
Parking Spaces	1 Parking Spaces
Garage Area	242 sqft Garage
Porch Area	186 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	01890966
Street Address	828 SPEARS DR
City	ELGIN
State	SC
Zip	29045-8255
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LOT 7 45X80X45X80 #SU SPEARS CREEK VILLAGE PH 2 #PR RB1158-3105
Legal Subdivision	SPEARS CREEK VILLAGE
Legal Lot Number	7,45
Jurisdiction	RICHLAND SC
Minor Civil Division	PONTIAC
Census Blockgroup	1
Census Block	1003
Census Tract	11414