927 Spears Dr, Elgin, SC 29045 Property Records

Richland County property record for 927 Spears Dr, Elgin, SC 29045 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2007
Square Footage	1,625 sqft Heated Area
Lot Size	3,485 sqft (0.08 acres)
Occupancy	Owner Occupied
Last Sale	$143,000 (2020)
Tax Bill	$1,752.00 (2025)

Owner

Source: Richland County records · APN 25810-02-66

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	927 SPEARS DR, ELGIN, SC 29045-8295
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 01, 2020 · Amount on Record
Deed Sale	Nov 01, 2020 · Amount on Record
Prior Sale	Jun 01, 2007 · Amount on Record
Deed Doc Number	202059583
Deed Book / Page	2547 / 1023
Record Refreshed	Sep 20, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RICHLAND SC
Recording Date	Nov 01, 2020
Property Address	927 SPEARS DR, ELGIN, SC 29045-8295
Document Number	2547/1023
Book / Page	002547 / 001023
Instrument Date	Sep 25, 2020
Instrument	59583
Transaction Type	Transfer
Record Updated	Jan 12, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$529.00
Amount Accuracy	Confirmed
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenant/Joint Tenant w/ Right Of Survivorship
Address	927 SPEARS DR ELGIN SC 290458295, ELGIN, SC 29045-8295

Mortgage

Document Number	2547/1027
Date	Nov 01, 2020
Book Page	002547/001027
Instrument	59584

Lender

Name	AMERICAN FNDG
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 31, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	South Carolina
County	Richland County
Unified School District	Richland 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,752.00 (+13.91%)	$164,500 (+2,775.87%)	$210,000 (+46.85%) Land $34,000 Building $176,000
2023	$1,538.00 (-69.71%)	$5,720 (-33.33%)	$143,000 (-)
2021	$5,078.00	$8,580	$143,000 Land $24,000 Building $119,000

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 34% of the US · above 8% of South Carolina
Wildfire Likelihood	About 1 in 3,704 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN	`25810-02-66`
Alternative APNs	`R25810-02-66` `01891206`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Partial Baths	1 Partial Baths
Building Area	1,625 sqft Heated Area
Gross Area	2,062 sqft Gross Area
1st Floor	713 sqft 1st Floor
Stories	2 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

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	3,485 sqft (0.08 acres)
Parking Spaces	1 Parking Spaces
Garage Area	253 sqft Garage
Porch Area	184 sqft Porch

Utilities and HVAC

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

Location & Zoning

Account Number	01891206
Street Address	927 SPEARS DR
City	ELGIN
State	SC
Zip	29045-8295
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LOT 44 45X80X45X80 #SU SPEARS CREEK VILLAGE PH 2 #PR RB1158-3105
Legal Subdivision	SPEARS CREEK VILLAGE
Legal Lot Number	44-45
Jurisdiction	RICHLAND SC
Minor Civil Division	PONTIAC
Census Blockgroup	1
Census Block	1003
Census Tract	11414