Kershaw County property record for 85 Saughtree Ln W, Elgin, SC 29045
| Property Type | Single Family Home |
|---|---|
| Details | 3,528 sqft · built 2018 |
| Lot Size | 0.369 acres (16,117 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $252,786 (Apr 2018) |
| Tax Bill | $1,609 (2025) |
| Deeds & Mortgages | Jul 2020 Mortgage Apr 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 358-00-00-119-SKB |
| Primary APN | 358-00-00-119-SKB |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 3,528 sqft Gross Area |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Vinyl |
| Roof Material | Composition Shingle |
| Lot Area | 16,117 sqft (0.369 acres) |
| Account Number | 2345 |
|---|---|
| Old Parcel Number | 358-00-00-119 SKB |
| Street Address | 85 SAUGHTREE LN W |
| City | ELGIN |
| State | SC |
| Zip | 29045-8398 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-15 |
| Legal Description | KELSNEY RIDGE SUBDIV PHASE 2-C LOT 119 |
| Legal Subdivision | KELSNEY RIDGE SUBD |
| Legal Phase | 2 |
| Legal Lot Number | 119 |
| Jurisdiction | KERSHAW SC |
| Township / Civil Division | ELGIN |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 970908 |
85 Saughtree Ln W is owned and occupied by two individuals who acquired it in April 2018.
Source: Kershaw County records, as of November 6, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 85 SAUGHTREE LN W, ELGIN, SC 29045-8398 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 10, 2020 | Deed of Trust, Mortgage · Conventional with PMI FEDERAL SVGS BK |
| Apr 19, 2018 | Grant Deed, Subdivision Related Transfer · VA Mortgage ATLANTIC BAY MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 16, 2018 · Amount on File |
| Deed Sale | Apr 16, 2018 · Amount on File |
| Deed Document Number | 0003846146 |
| Deed Book / Page | 3846 / 146 |
| Last Transfer Date | Apr 19, 2018 |
| Transfer Doc | 0000002993 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KERSHAW SC |
| Property Address | 85 SAUGHTREE LN W, ELGIN, SC 29045-8398 |
| Document Number | 0000007570 |
| Instrument Date | Jul 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 4, 2020 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 85 SAUGHTREE LN W ELGIN SC 290458398, ELGIN, SC 29045-8398 |
| Document Number | 0000007570 |
|---|---|
| Date | Aug 21, 2020 |
| Book Page | 004285/000242 |
| Instrument | 7570 |
| Name | FEDERAL SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | CHICAGO, IL 60607 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 20, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KERSHAW SC |
| Recording Date | Apr 19, 2018 |
| Property Address | 85 SAUGHTREE LN W, ELGIN, SC 29045-8398 |
| Document Number | 0000002993 |
| Book / Page | 003846 / 000146 |
| Instrument Date | Apr 16, 2018 |
| Instrument | 2993 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Apr 22, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $935.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 85 SAUGHTREE LN W ELGIN SC 29045, ELGIN, SC 29045 |
| Document Number | 2994 |
|---|---|
| Date | Apr 19, 2018 |
| Book Page | 003846/000149 |
| Instrument | 2994 |
| Name | ATLANTIC BAY MTG |
|---|---|
| Type | Mortgage Company |
| Address | VIRGINIA BEACH, VA 23452 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 18, 2048 |
The 2025 property tax bill for 85 Saughtree Ln W was $1,609.
Source: Kershaw County assessment roll, as of September 13, 2025
| Type | Name |
|---|---|
| State | South Carolina |
| County | Kershaw County |
| Unified School District | Kershaw County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,609.00 | $267,700 Land $40,000 Building $227,700 | $267,700 |
| 2023 | $1,619.00 | $263,500 Land $40,000 Building $223,500 | $263,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 85 Saughtree Ln W in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 28, 2018 · 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 9 (5% premium discount) |
| Nearby Flood Policies | 1 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.
Wildfire risk around 85 Saughtree Ln W is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 87% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 142 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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