Richland County property record for 895 Spears Dr, Elgin, SC 29045 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2007 |
| Square Footage | 1,612 sqft Heated Area |
| Lot Size | 4,054 sqft (0.093 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $130,715 (2007) |
| Tax Bill | $1,203.00 (2025) |
Source: Richland County records · APN 25810-02-74
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 | Individual Name on File |
|---|---|
| Mailing Address | 895 SPEARS DR, ELGIN, SC 29045-8256 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 22, 2007 · Amount on Record |
| Deed Sale | Jan 22, 2007 · Amount on Record |
| Deed Doc Number | 20076087 |
| Deed Book / Page | 1275 / 89 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Property Address | 895 SPEARS DR, ELGIN, SC 29045-8256 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0026801049 |
|---|---|
| Date | Oct 26, 2021 |
| Book Page | 2680/1049 |
| Instrument | 2021071383 |
| Name | AMERICAN FINANCING CORP |
|---|---|
| Type | Lending Institution |
| Address | AURORA, CO 80014 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 01, 2036 |
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 | $1,203.00 (-15.22%) Homeowner's exemption | $147,700 (+2,775.78%) | $207,500 (+61.6%) Land $34,000 Building $173,500 |
| 2023 | $1,419.00 (+94.92%) | $5,136 (-0.08%) | $128,400 (-) |
| 2021 | $728.00 | $5,140 | $128,400 Land $24,000 Building $104,400 |
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 | 25810-02-74 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 1,612 sqft Heated Area |
| Gross Area | 2,040 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 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| 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 | 4,054 sqft (0.093 acres) |
| Parking Spaces | 1 Parking Spaces |
| Garage Area | 242 sqft Garage |
| Porch Area | 186 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Heating Fuel | Gas Heating Fuel |
| Sewage | Municipal Sewage |
| Water Source | Commercial Water Source |
| Account Number | 01891288 |
|---|---|
| Street Address | 895 SPEARS DR |
| City | ELGIN |
| State | SC |
| Zip | 29045-8256 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 52 45X80X45X80 #SU SPEARS CREEK VILLAGE PH 2 #PR RB1158-3105 |
| Legal Subdivision | SPEARS CREEK VILLAGE |
| Legal Lot Number | 45,52 |
| Jurisdiction | RICHLAND SC |
| Minor Civil Division | PONTIAC |
| Census Blockgroup | 1 |
| Census Block | 1003 |
| Census Tract | 11414 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures