Richland County property record for 900 Spears Dr, Elgin, SC 29045 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,827 sqft · built 2008 |
| Lot Size | 0.102 acres (4,469 sqft) |
| Owner | Individual Name on File |
| Last Sale | $115,000 (Sep 2025) |
| Tax Bill | $7,798 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Sep 2025 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25810-02-50 |
| Primary APN | 25810-02-50 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,827 sqft Heated Area |
| Gross Area | 2,230 sqft |
| 1st Floor Area | 797 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Architectural Style | Conventional |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 4,469 sqft (0.102 acres) |
| Garage Area | 253 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Patio |
| Porch Area | 40 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 01891046 |
|---|---|
| Street Address | 900 SPEARS DR |
| City | ELGIN |
| State | SC |
| Zip | 29045-8295 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 29 45X80X45X80 #SU SPEARS CREEK VILLAGE PH 2 #PR RB1158-3105 |
| Legal Subdivision | SPEARS CREEK VILLAGE |
| Legal Lot Number | 29,45 |
| Jurisdiction | RICHLAND SC |
| Township / Civil Division | PONTIAC |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 11414 |
Source: Richland County records · APN 25810-02-50
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 | 900 SPEARS DR, ELGIN, SC 29045-8295 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 22, 2026 | Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT |
| Sep 11, 2025 | Quit Claim Deed, Transfer Quitclaim |
| Mar 11, 2024 | Deed, Transfer · FHA Mortgage FIRST OPTION MORTGAGE LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 11, 2025 · Amount on Record |
| Deed Sale | Sep 11, 2025 · Amount on Record |
| Prior Sale | Mar 11, 2024 · Amount on Record |
| Deed Document Number | 202543139 |
| Deed Book / Page | 3055 / 500 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Apr 22, 2026 |
| Property Address | 900 SPEARS DR, ELGIN, SC 29045-8295 |
| Document Number | 0000018800 |
| Book / Page | 3119 / 2762 |
| Instrument Date | Mar 05, 2026 |
| Instrument | 202618800 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 900 SPEARS DR, ELGIN, SC 29045-8295 |
| Document Number | 0000018800, |
|---|---|
| Date | Apr 22, 2026 |
| Book Page | 3119/2762 |
| Instrument | 202618800 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 336 Months |
| Due | Apr 01, 2054 |
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Sep 11, 2025 |
| Property Address | 900 SPEARS DR, ELGIN, SC 29045-8295 |
| Document Number | 0030550500 |
| Book / Page | 3055 / 500 |
| Map Reference | MB 1396 PG 2593 |
| Instrument Date | Sep 09, 2025 |
| Instrument | 2025043139 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Amount | Amount Recorded |
|---|---|
| Tax | $299.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Mar 11, 2024 |
| Property Address | 900 SPEARS DR, ELGIN, SC 29045-8295 |
| Document Number | 0029061064 |
| Book / Page | 2906 / 1064 |
| Instrument Date | Mar 08, 2024 |
| Instrument | 2024010336 |
| Transaction Type | Transfer |
| Record Updated | Apr 11, 2024 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $598.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 900 SPEARS DR, ELGIN, SC 29045-8295 |
| Document Number | 2024010337 |
|---|---|
| Date | Mar 11, 2024 |
| Instrument | 2024010337 |
| Name | FIRST OPTION MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2054 |
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 | $7,798.00 (+405.05%) | $5,748 (-96.52%) | $230,000 (+1.32%) Land $34,000 Building $196,000 |
| 2024 | $165,300 (+2,775.78%) | $227,000 (+57.97%) Land $34,000 Building $193,000 | |
| 2023 | $1,544.00 (-69.73%) | $5,748 (-33.32%) | $143,700 (-) |
| 2021 | $5,100.00 | $8,620 | $143,700 Land $24,000 Building $119,700 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 9 individual NFIP policies nearby |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 9 in force 7 of 9 on primary residences |
| 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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
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