Richland County property record for 864 Spears Dr, Elgin, SC 29045
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,632 sqft · built 2007 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | Individual Name on File |
| Last Sale | $144,900 (Feb 2019) |
| Tax Bill | $1,769 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage Feb 2019 Sale & Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 25806-03-24 |
| Primary APN | 25806-03-24 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,632 sqft Heated Area |
| Gross Area | 2,060 sqft |
| 1st Floor Area | 711 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Conventional |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,663 sqft (0.13 acres) |
| Garage Area | 253 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 175 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 01890822 |
|---|---|
| Street Address | 864 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 20 47.8X102X87.3X80 #SU SPEARS CREEK VILLAGE PH 2 #PR RB1158-3105 |
| Legal Subdivision | SPEARS CREEK VILLAGE |
| Legal Lot Number | 20,47 |
| Jurisdiction | RICHLAND SC |
| Township / Civil Division | PONTIAC |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 11414 |
864 Spears Dr is owned and occupied by an individual who bought it in February 2019.
Source: Richland County records, as of July 14, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 864 SPEARS DR, ELGIN, SC 29045-8255 |
| 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 |
|---|---|
| Jan 21, 2021 | Deed of Trust, Mortgage · Conventional with PMI MORTGAGE NTWK |
| Feb 20, 2019 | Grant Deed, Transfer · Line of Credit MORTGAGE NTWK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 20, 2019 · Amount on File |
| Deed Sale | Feb 20, 2019 · Amount on File |
| Prior Sale | Oct 5, 2007 · Amount on File |
| Deed Document Number | 201912051 |
| Deed Book / Page | 2373 / 266 |
| Prior Transfer Date | Jul 12, 2012 |
| Prior Transfer Doc | 1784/0892 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Property Address | 864 SPEARS DR, ELGIN, SC 29045-8255 |
| Document Number | 2580/2285 |
| Instrument Date | Jan 21, 2021 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 864 SPEARS DR ELGIN SC 290458255, ELGIN, SC 29045-8255 |
| Document Number | 2580/2285 |
|---|---|
| Date | Jan 28, 2021 |
| Book Page | 002580/002285 |
| Instrument | 5595 |
| Name | MORTGAGE NTWK |
|---|---|
| Type | Mortgage Company |
| Address | DANVERS, MA 01923 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 27, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Feb 20, 2019 |
| Property Address | 864 SPEARS DR, ELGIN, SC 29045-8255 |
| Document Number | 2373/0266 |
| Book / Page | 002373 / 000266 |
| Instrument Date | Feb 14, 2019 |
| Instrument | 12051 |
| Transaction Type | Transfer |
| Record Updated | Mar 7, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $536.13 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 864 SPEARS DR ELGIN SC 290458255, ELGIN, SC 29045-8255 |
| Document Number | 2373/0269 |
|---|---|
| Date | Feb 20, 2019 |
| Book Page | 002373/000269 |
| Instrument | 12052 |
| Name | MORTGAGE NTWK |
|---|---|
| Type | Mortgage Company |
| Address | DANVERS, MA 01923 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 19, 2049 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 864 Spears Dr was $1,769.
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 | $1,769.00 | $166,600 (-) | $215,700 (-) Land $34,000 Building $181,700 |
| 2024 | $166,600 (+2,774.4%) | $215,700 (+48.86%) Land $34,000 Building $181,700 | |
| 2023 | $1,554.00 | $5,796 | $144,900 |
| 2021 | $1,538.00 | $5,800 | $144,900 Land $24,000 Building $120,900 |
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.
FEMA maps place 864 Spears Dr in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 864 Spears Dr is low, with a 0.01% annual chance of wildfire.
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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