Richland County property record for 856 Spears Dr, Elgin, SC 29045 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,813 sqft · built 2006 |
| Lot Size | 0.21 acres (9,186 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $143,018 (Dec 2006) |
| Tax Bill | $1,709 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Dec 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 25806-03-31 |
| Primary APN | 25806-03-31 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,813 sqft Heated Area |
| Gross Area | 2,170 sqft |
| 1st Floor Area | 772 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| 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 | 9,186 sqft (0.21 acres) |
| Garage Area | 253 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 104 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 01890895 |
|---|---|
| Street Address | 856 SPEARS DR |
| City | ELGIN |
| State | SC |
| Zip | 29045-8255 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 14 80X87.3X102X47.8 #SU SPEARS CREEK VILLAGE PH 2 #PR RB1158-3105 |
| Legal Subdivision | SPEARS CREEK VILLAGE |
| Legal Lot Number | 14,80 |
| Jurisdiction | RICHLAND SC |
| Township / Civil Division | PONTIAC |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 11414 |
Source: Richland County records · APN 25806-03-31
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 856 SPEARS DR, ELGIN, SC 29045-8255 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 18, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION |
| Dec 28, 2023 | Deed of Trust, Mortgage · Line of Credit TD BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 29, 2006 · Amount on Record |
| Deed Sale | Dec 29, 2006 · Amount on Record |
| Deed Document Number | 2006118893 |
| Deed Book / Page | 1268 / 2087 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Property Address | 856 SPEARS DR, ELGIN, SC 29045-8255 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0026881083 |
|---|---|
| Date | Nov 18, 2021 |
| Book Page | 2688/1083 |
| Instrument | 2021076671 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | NEW YORK, NY 10007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 01, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Property Address | 856 SPEARS DR, ELGIN, SC 29045-8255 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0028890835 |
|---|---|
| Date | Dec 28, 2023 |
| Book Page | 2889/835 |
| Instrument | 2023055498 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19808 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $1,709.00 (+13.86%) | $159,300 (+2,775.45%) | $218,800 (+57.98%) Land $34,000 Building $184,800 |
| 2023 | $1,501.00 (+1.21%) | $5,540 (-) | $138,500 (-) |
| 2021 | $1,483.00 | $5,540 | $138,500 Land $24,000 Building $114,500 |
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 5% of the US · above 2% of South Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures