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915 Spears Dr, Elgin, SC 29045 Property Records

Richland County property record for 915 Spears Dr, Elgin, SC 29045 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,623 sqft · built 2008
Lot Size0.085 acres (3,720 sqft)
OwnerCompany Name on File
Last Sale$185,000 (Jul 2021)
Tax Bill$7,245 (2025)
Deeds & MortgagesJan 2022 Mortgage
Jul 2021 Sale
Flood ZoneZone X (minimal risk)
APN25810-02-69

Property Details

APN / Parcel Number

Primary APN25810-02-69
Alternative APNs
  • R25810-02-69
  • 01891233

Interior

Bedrooms3 Beds
Full Baths2 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,623 sqft Heated Area
Gross Area2,073 sqft
1st Floor Area711 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2008
Effective Year BuiltEffective 2013
Architectural StyleConventional
Exterior MaterialVinyl
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area3,720 sqft (0.085 acres)
Garage Area253 sqft
Parking Spaces1 Parking Space
PorchSlab
Porch Area197 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelElectric
SewerMunicipal
Water SourceCommercial

Location & Zoning

Account Number01891233
Street Address915 SPEARS DR
CityELGIN
StateSC
Zip29045-8295
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 47 45X80X45X80 #SU SPEARS CREEK VILLAGE PH 2 #PR RB1158-3105
Legal SubdivisionSPEARS CREEK VILLAGE
Legal PhaseII
Legal Lot Number45,47
JurisdictionRICHLAND SC
Township / Civil DivisionPONTIAC
Census Block Group1
Census Block1003
Census Tract11414

Owner

Source: Richland County records · APN 25810-02-69

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 RecordCompany Name on File
Mailing Address120 S RIVERSIDE PLZ, CHICAGO, IL 60606-3913
Owner TypeCompany
VestingCompany

Deeds, Mortgages & Sale History

DateDocument
Jan 07, 2022Deed of Trust, Mortgage · Commercial Mortgage
MORGAN STANLEY MORTGAGE CAPITAL HOLDINGS
Jul 12, 2021Deed, Transfer
NOT AVAILABLE, HARVEY & VALLINI LLC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJul 12, 2021 · Amount on Record
Deed SaleJul 12, 2021 · Amount on Record
Prior SaleAug 06, 2008 · Amount on Record
Deed Document Number202146132
Deed Book / Page2642 / 356
Record UpdatedSep 20, 2026

January 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionRICHLAND SC
Property Address915 SPEARS DR, ELGIN, SC 29045-8295
Transaction TypeMortgage
Record UpdatedApr 11, 2024
Title CompanySTEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

NameVerified Name
InvestorPossibly a Property Investor

Mortgage

Document Number0027043591
DateJan 07, 2022
Book Page2704/3591
Instrument2022001112
Lender
NameMORGAN STANLEY MORTGAGE CAPITAL HOLDINGS
TypeMortgage Company
AddressNEW YORK, NY 10036
Agreement
TypeCommercial Mortgage
AmountAmount Recorded
Term84 Months
DueJan 09, 2029

July 2021: Deed, Transfer

Document TypeDeed
JurisdictionRICHLAND SC
Recording DateJul 12, 2021
Property Address915 SPEARS DR, ELGIN, SC 29045-8295
Document Number0026420356
Book / Page2642 / 356
Map ReferenceMB 1158 PG 3105
Instrument DateJul 06, 2021
Instrument2021046132
Transaction TypeTransfer
Record UpdatedApr 11, 2024
Title CompanyNOT AVAILABLE, HARVEY & VALLINI LLC

Transaction

AmountAmount Recorded
Tax$684.50
Amount AccuracyVerified / From Affidavit
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address120 S RIVERSIDE PLZ STE 2000, 2000, CHICAGO, IL 60606-6995
InvestorPossibly a Property Investor

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$7,245.00 (+11.65%)$7,400 (-)$226,100 (+22.22%) Land $34,000 Building $192,100
2023$6,489.00 (+355.69%)$7,400 (+40.68%)$185,000 (+40.58%)
2021$1,424.00$5,260$131,600 Land $24,000 Building $107,600

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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