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887 Spears Dr, Elgin, SC 29045 Property Records

Richland County property record for 887 Spears Dr, Elgin, SC 29045 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,813 sqft · built 2006
Lot Size0.08 acres (3,485 sqft)
OwnerIndividual Name on File
Last Sale$150,000 (Oct 2020)
Tax Bill$1,818 (2025)
Deeds & MortgagesOct 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN25810-02-76

Property Details

APN / Parcel Number

Primary APN25810-02-76
Alternative APNs
  • R25810-02-76
  • 01891304

Interior

Bedrooms3 Beds
Full Baths2 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,813 sqft Heated Area
Gross Area2,170 sqft
1st Floor Area772 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2006
Architectural StyleConventional
Exterior MaterialVinyl
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area3,485 sqft (0.08 acres)
Garage Area253 sqft
Parking Spaces1 Parking Space
PorchSlab
Porch Area104 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Account Number01891304
Street Address887 SPEARS DR
CityELGIN
StateSC
Zip29045-8256
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 54 45.1X80X45X80 #SU SPEARS CREEK VILLAGE PH 2 #PR RB1260-47 RB1158-3105
Legal SubdivisionSPEARS CREEK VILLAGE
Legal Lot Number45,54
JurisdictionRICHLAND SC
Township / Civil DivisionPONTIAC
Census Block Group1
Census Block1003
Census Tract11414

Owner

Source: Richland County records · APN 25810-02-76

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 RecordIndividual Name on File
Mailing Address887 SPEARS DR, ELGIN, SC 29045-8256
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleOct 01, 2020 · Amount on Record
Deed SaleOct 01, 2020 · Amount on Record
Prior SaleDec 07, 2006 · Amount on Record
Deed Document Number202051890
Deed Book / Page2535 / 53
Record UpdatedSep 20, 2026

October 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionRICHLAND SC
Recording DateOct 01, 2020
Property Address887 SPEARS DR, ELGIN, SC 29045-8256
Document Number2535/0053
Book / Page002535 / 000053
Instrument DateSep 02, 2020
Instrument51890
Transaction TypeTransfer
Record UpdatedDec 16, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$555.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address887 SPEARS DR ELGIN SC 290458256, ELGIN, SC 29045-8256

Mortgage

Document Number2535/0056
DateOct 01, 2020
Book Page002535/000056
Instrument51891
Lender
NameBANK OF AMERICA
TypeBank
AddressCHARLOTTE, NC 28255
Agreement
AmountAmount Recorded
Term360 Months
DueSep 30, 2050

Tax Assessment & Valuation

Source: Richland County records · Assessment roll updated July 14, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateSouth Carolina
CountyRichland County
Unified School DistrictRichland School District 2 (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$1,818.00 (+13.98%)$172,500 (+2,775%)$223,100 (+48.73%) Land $34,000 Building $189,100
2023$1,595.00 (-69.96%)$6,000 (-33.33%)$150,000 (-)
2021$5,310.00$9,000$150,000 Land $24,000 Building $126,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Richland County (45079C), updated September 13, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 450790114141, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies9 in force

Wildfire

Wildfire RiskLow
above 5% of the US · above 2% of South Carolina
Wildfire LikelihoodAbout 1 in 10,000 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 217 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20
AT&TDSL100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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