928 Spears Dr, Elgin, SC 29045 Property Records

Richland County property record for 928 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	1,653 sqft Heated Area
Lot Size	5,093 sqft (0.116 acres)
Occupancy	Owner Occupied
Last Sale	$147,000 (2011)
Tax Bill	$1,644.00 (2025)

Owner

Source: Richland County records · APN 25810-02-57

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	928 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	Jul 21, 2011 · Amount on Record
Deed Sale	Jul 21, 2011 · Amount on Record
Prior Sale	Jan 23, 2008 · Amount on Record
Deed Doc Number	201146686
Deed Book / Page	1696 / 430
Record Refreshed	Sep 20, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	928 SPEARS DR, ELGIN, SC 29045-8295
Document Number	2486/2492
Instrument Date	Apr 15, 2020
Transaction Type	Mortgage
Record Updated	Jun 25, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	928 SPEARS DR ELGIN SC 290458295, ELGIN, SC 29045-8295

Mortgage

Document Number	2486/2492
Date	May 01, 2020
Book Page	002486/002492
Instrument	20075

Lender

Name	RESOURCES FIN'L SVCS
Type	Funding / Finance Company
Address	COLUMBIA, SC 29205

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 30, 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	$1,644.00 (+13.85%)	$151,200 (+2,774.52%)	$212,900 (+61.9%) Land $34,000 Building $178,900
2023	$1,444.00 (+1.4%)	$5,260 (-)	$131,500 (-)
2021	$1,424.00	$5,260	$131,500 Land $24,000 Building $107,500

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 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.

Property Details

APN / Parcel Number

Primary APN	`25810-02-57`
Alternative APNs	`R25810-02-57` `01891117`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Partial Baths	1 Partial Baths
Building Area	1,653 sqft Heated Area
Gross Area	2,074 sqft Gross Area
1st Floor	711 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	5,093 sqft (0.116 acres)
Parking Spaces	1 Parking Spaces
Garage Area	253 sqft Garage
Porch Area	168 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	01891117
Street Address	928 SPEARS DR
City	ELGIN
State	SC
Zip	29045-8295
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LOT 36 45X80X45X80 #SU SPEARS CREEK VILLAGE PH 2 #PR RB1158-3105
Legal Subdivision	SPEARS CREEK VILLAGE
Legal Lot Number	36,45
Jurisdiction	RICHLAND SC
Minor Civil Division	PONTIAC
Census Blockgroup	1
Census Block	1003
Census Tract	11414