Richland County property record for 852 Spears Dr, Elgin, SC 29045
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,803 sqft · built 2007 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $181,900 (Sep 2021) |
| Tax Bill | $2,121 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Aug 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25806-03-32 |
| Primary APN | 25806-03-32 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,803 sqft Heated Area |
| Gross Area | 2,077 sqft |
| 1st Floor Area | 165 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Conventional |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,970 sqft (0.16 acres) |
| Garage Area | 88 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 186 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 01890902 |
|---|---|
| Street Address | 852 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 13 45X102X51.4X34.1X109.8 #SU SPEARS CREEK VILLAGE PH 2 #PR RB1158-3105 |
| Legal Subdivision | SPEARS CREEK VILLAGE |
| Legal Lot Number | 13,45 |
| 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 | 852 SPEARS DR, ELGIN, SC 29045-8255 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 9, 2021 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) ANGEL OAK HOME LOANS LLC |
| Aug 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ANGEL OAK HOME LOANS LLC |
| Jul 15, 2021 | Deed, Transfer · Conventional Mortgage ANGEL OAK HOME LOANS LLC |
| Sep 8, 2021 | Re-recorded Document |
| Jan 16, 2018 | Warranty Deed, Transfer · FHA Mortgage GUILD MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 8, 2021 · Amount on Record |
| Deed Sale | Sep 8, 2021 · Amount on Record |
| Prior Sale | Jul 15, 2021 · Amount on Record |
| Deed Document Number | 202159722 |
| Deed Book / Page | 2662 / 1232 |
| Prior Transfer Date | Jul 14, 2021 |
| Prior Transfer Doc | 0026621232 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Property Address | 852 SPEARS DR, ELGIN, SC 29045-8255 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0026520723 |
|---|---|
| Date | Aug 9, 2021 |
| Book Page | 2652/723 |
| Instrument | 2021052909 |
| Name | ANGEL OAK HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30328 |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Property Address | 852 SPEARS DR, ELGIN, SC 29045-8255 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0026520710 |
|---|---|
| Date | Aug 9, 2021 |
| Book Page | 2652/710 |
| Instrument | 2021052908 |
| Name | ANGEL OAK HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30328 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Jul 15, 2021 |
| Property Address | 852 SPEARS DR, ELGIN, SC 29045-8255 |
| Document Number | 0026432750 |
| Book / Page | 2643 / 2750 |
| Map Reference | MB 1158 PG 3105 |
| Instrument Date | Jul 14, 2021 |
| Instrument | 2021047212 |
| Transaction Type | Transfer |
| Record Updated | Apr 11, 2024 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $673.40 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 852 SPEARS DR, ELGIN, SC 29045-8255 |
| Document Number | 2021047213 |
|---|---|
| Date | Jul 15, 2021 |
| Instrument | 2021047213 |
| Name | ANGEL OAK HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Number | 0026432767 |
|---|---|
| Date | Jul 15, 2021 |
| Book Page | 2643/2767 |
| Instrument | 2021047214 |
| Name | ANGEL OAK HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30328 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Re-recorded Document |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Sep 8, 2021 |
| Property Address | 852 SPEARS DR, ELGIN, SC 29045-8255 |
| Document Number | 0026621232 |
| Book / Page | 2662 / 1232 |
| Map Reference | MB 1158 PG 3105 |
| Instrument Date | Jul 14, 2021 |
| Instrument | 2021059722 |
| Record Updated | Apr 11, 2024 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 852 SPEARS DR, ELGIN, SC 29045-8255 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Jan 16, 2018 |
| Property Address | 852 SPEARS DR, ELGIN, SC 29045-8255 |
| Document Number | 2273/2992 |
| Book / Page | 002273 / 002992 |
| Instrument Date | Jan 12, 2018 |
| Instrument | 2098 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2018 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $545.49 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 852 SPEARS DR ELGIN SC 290458255, ELGIN, SC 29045-8255 |
| Document Number | 2273/2996 |
|---|---|
| Date | Jan 16, 2018 |
| Book Page | 002273/002996 |
| Instrument | 2099 |
| Name | GUILD MTG |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92111 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 15, 2048 |
| Document Number | 2273/3015, |
|---|---|
| Date | Jan 16, 2018 |
| Book Page | 002273/003015 |
| Instrument | 2100 |
| Name | GUILD MTG |
|---|---|
| Type | Mortgage Company |
| Amount | Amount Recorded |
|---|---|
| Term | 120 Months |
| Due | Jan 15, 2028 |
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 | $2,121.00 (+14.22%) | $209,200 (+2,775.21%) | $215,300 (+18.36%) Land $34,000 Building $181,300 |
| 2023 | $1,857.00 (+19.11%) | $7,276 (+23.32%) | $181,900 (+23.41%) |
| 2021 | $1,559.00 | $5,900 | $147,400 Land $24,000 Building $123,400 |
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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