Richland County property record for 892 Spears Dr, Elgin, SC 29045 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2008 |
| Square Footage | 1,632 sqft Heated Area |
| Lot Size | 4,338 sqft (0.099 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $185,000 (2021) |
| Tax Bill | $2,139.00 (2025) |
Source: Richland County records · APN 25810-02-48
Assessment roll updated July 14, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 892 SPEARS DR, ELGIN, SC 29045-8255 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Sep 08, 2021 | Deed of Trust, Mortgage · Stand Alone First Mortgage NEIGHBORHOOD ASSISTANCE CORPORATION OF A |
| Sep 08, 2021 | Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 08, 2021 · Amount on Record |
| Deed Sale | Sep 08, 2021 · Amount on Record |
| Prior Sale | Jul 01, 2008 · Amount on Record |
| Deed Doc Number | 202159686 |
| Deed Book / Page | 2662 / 971 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Property Address | 892 SPEARS DR, ELGIN, SC 29045-8255 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0026620992 |
|---|---|
| Date | Sep 08, 2021 |
| Book Page | 2662/992 |
| Instrument | 2021059688 |
| Name | NEIGHBORHOOD ASSISTANCE CORPORATION OF A |
|---|---|
| Type | Government Agency |
| Address | ROXBURY, MA 02119 |
| Type | Stand Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Sep 08, 2021 |
| Property Address | 892 SPEARS DR, ELGIN, SC 29045-8255 |
| Document Number | 0026620971 |
| Book / Page | 2662 / 971 |
| Map Reference | MB 1158 PG 3105 |
| Instrument Date | Aug 28, 2021 |
| Instrument | 2021059686 |
| Transaction Type | Transfer |
| Record Updated | Apr 11, 2024 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $684.50 |
| Amount Accuracy | From Affidavit or Verified |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 892 SPEARS DR, ELGIN, SC 29045-8255 |
| Document Number | 0026620974 |
|---|---|
| Date | Sep 08, 2021 |
| Book Page | 2662/974 |
| Instrument | 2021059687 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2051 |
Source: Richland County records · Assessment roll updated July 14, 2026 · Last verified August 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 | $2,139.00 (+13.66%) | $211,500 (+2,758.11%) Land $34,000 Building $177,500 | $211,500 (+14.32%) Land $34,000 Building $177,500 |
| 2023 | $1,882.00 (+32.54%) | $7,400 (+41.22%) | $185,000 (+41.22%) |
| 2021 | $1,420.00 | $5,240 | $131,000 Land $24,000 Building $107,000 |
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.
| Primary APN | 25810-02-48 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 1,632 sqft Heated Area |
| Gross Area | 2,060 sqft Gross Area |
| 1st Floor | 711 sqft 1st Floor |
| Stories | 2 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Architectural Style | Conventional Style |
| Exterior Material | Vinyl Exterior |
| Construction Type | Frame Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 4,338 sqft (0.099 acres) |
| Parking Spaces | 1 Parking Spaces |
| Garage Area | 253 sqft Garage |
| Porch Area | 175 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Heating Fuel | Electric Heating Fuel |
| Sewage | Municipal Sewage |
| Water Source | Commercial Water Source |
| Account Number | 01891028 |
|---|---|
| Street Address | 892 SPEARS DR |
| City | ELGIN |
| State | SC |
| Zip | 29045-8255 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 27 45X80X45X80 #SU SPEARS CREEK VILLAGE PH 2 #PR RB1158-3105 |
| Legal Subdivision | SPEARS CREEK VILLAGE |
| Legal Lot Number | 27,45 |
| Jurisdiction | RICHLAND SC |
| Minor Civil Division | PONTIAC |
| Census Blockgroup | 1 |
| Census Block | 1003 |
| Census Tract | 11414 |
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