Richland County property record for 832 Spears Dr, Elgin, SC 29045
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,807 sqft · built 2006 |
| Lot Size | 0.08 acres (3,485 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $143,000 (Sep 2017) |
| Tax Bill | $1,752 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage Sep 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 25806-03-37 |
| Primary APN | 25806-03-37 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,807 sqft Heated Area |
| Gross Area | 2,210 sqft |
| 1st Floor Area | 777 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Conventional |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 3,485 sqft (0.08 acres) |
| Garage Area | 253 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 150 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 01890957 |
|---|---|
| Street Address | 832 SPEARS DR |
| City | ELGIN |
| State | SC |
| Zip | 29045-8255 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RM-HD |
| Legal Description | LOT 8 45X79.8X45X79.9 #SU SPEARS CREEK VILLAGE PH 2 #PR RB1158-3105 RB1239-3458 |
| Legal Subdivision | SPEARS CREEK VILLAGE |
| Legal Lot Number | 8,45 |
| Jurisdiction | RICHLAND SC |
| Township / Civil Division | PONTIAC |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 11414 |
Source: Richland County records, as of July 14, 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 Record |
|---|---|
| Mailing Address | 832 SPEARS DR, ELGIN, SC 29045-8255 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 3, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE NTWK |
| Sep 26, 2017 | Deed with Mortgage, Transfer · Conventional with PMI MORTGAGE NTWK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 26, 2017 · Amount on Record |
| Deed Sale | Sep 26, 2017 · Amount on Record |
| Prior Sale | Oct 10, 2006 · Amount on Record |
| Deed Document Number | 201772136 |
| Deed Book / Page | 2246 / 3623 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Property Address | 832 SPEARS DR, ELGIN, SC 29045-8255 |
| Document Number | 2562/3964 |
| Instrument Date | Dec 3, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 25, 2021 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 832 SPEARS DR ELGIN SC 290458255, ELGIN, SC 29045-8255 |
| Document Number | 2562/3964 |
|---|---|
| Date | Dec 11, 2020 |
| Book Page | 002562/003964 |
| Instrument | 69708 |
| Name | MORTGAGE NTWK |
|---|---|
| Type | Mortgage Company |
| Address | DANVERS, MA 01923 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 10, 2035 |
| Document Type | Deed with Mortgage |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Sep 26, 2017 |
| Property Address | 832 SPEARS DR, ELGIN, SC 29045-8255 |
| Book / Page | 002246 / 003626 |
| Instrument Date | Sep 25, 2017 |
| Instrument | 72136 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $529.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 832 SPEARS DR ELGIN SC 290458255, ELGIN, SC 29045-8255 |
| Document Number | 2246/3626 |
|---|---|
| Date | Sep 26, 2017 |
| Book Page | 002246/003626 |
| Instrument | 72137 |
| Name | MORTGAGE NTWK |
|---|---|
| Type | Mortgage Company |
| Address | DANVERS, MA 01923 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 25, 2047 |
Source: Richland County assessment roll, as of July 14, 2026
| Type | Name |
|---|---|
| State | South Carolina |
| County | Richland County |
| Unified School District | Richland School District 2 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,752.00 (+13.91%) | $164,500 (+2,775.87%) | $223,700 (+56.43%) Land $34,000 Building $189,700 |
| 2023 | $1,538.00 (+1.12%) | $5,720 (-) | $143,000 (-) |
| 2021 | $1,521.00 | $5,720 | $143,000 Land $24,000 Building $119,000 |
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.
Source: FEMA National Flood Hazard Layer, effective September 13, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 9 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 98.4% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF COLUMBIA serves 354,068 people · EPA ID SC4010001 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2025 |
| Lead | 5 ppb (2021–2023) action level 15 ppb |
| Water Quality | Chlorite resolved · Dec 2024 E. coli resolved · Apr 2021 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 217 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL | 100 / 20 |
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