Richland County property record for 95 Westridge Rd, Elgin, SC 29045
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,400 sqft · built 1993 |
| Lot Size | 0.236 acres (10,284 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $160,000 (Sep 2021) |
| Tax Bill | $1,876 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Apr 2024 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26005-13-07 |
| Primary APN | 26005-13-07 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,400 sqft Heated Area |
| Gross Area | 1,688 sqft |
| 1st Floor Area | 1,400 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Raised Ranch |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,284 sqft (0.236 acres) |
| Porch | Slab |
| Porch Area | 192 sqft |
| Patio Area | 96 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Sewer | Connected |
| Water Source | Commercial |
| Account Number | 01359675 |
|---|---|
| Street Address | 95 WESTRIDGE RD |
| City | ELGIN |
| State | SC |
| Zip | 29045-8856 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-LD |
| Legal Description | LOT 21 BLK XX 70X150X70X149.9 #SU BRIARCLIFFE EST PH III-C #PR RB776-1166 54-1822 |
| Legal Subdivision | BRIARCLIFFE |
| Legal Block | XX |
| Legal Lot Number | 21 |
| Jurisdiction | RICHLAND SC |
| Township / Civil Division | PONTIAC |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 11424 |
Source: Richland County records, as of July 14, 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 Record |
|---|---|
| Mailing Address | 95 WESTRIDGE RD, ELGIN, SC 29045-8856 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 29, 2026 | Deed of Trust, Mortgage · FHA Mortgage FIRST AMERICAN TITLE |
| Apr 17, 2024 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME |
| Dec 13, 2023 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Sep 13, 2021 | Deed, Transfer · FHA Mortgage ASSURANCE FINANCIAL GROUP LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 13, 2021 · Amount on Record |
| Deed Sale | Sep 13, 2021 · Amount on Record |
| Prior Sale | Aug 3, 2006 · Amount on Record |
| Deed Document Number | 202161328 |
| Deed Book / Page | 2664 / 3213 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Jul 29, 2026 |
| Property Address | 95 WESTRIDGE RD, ELGIN, SC 29045-8856 |
| Document Number | 0000037611 |
| Book / Page | 3152 / 1214 |
| Instrument Date | Jul 8, 2026 |
| Instrument | 202637611 |
| Transaction Type | Mortgage |
| Record Updated | Aug 7, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 95 WESTRIDGE RD, ELGIN, SC 29045-8856 |
| Document Number | 0000037611, |
|---|---|
| Date | Jul 29, 2026 |
| Book Page | 3152/1214 |
| Instrument | 202637611 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 302 Months |
| Due | Sep 1, 2051 |
| Rate | 6.52% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Property Address | 95 WESTRIDGE RD, ELGIN, SC 29045-8856 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2024 |
| Name | Verified Name |
|---|---|
| Address | 95 WESTRIDGE RD, ELGIN, SC 29045-8856 |
| Document Number | 0029153316 |
|---|---|
| Date | Apr 17, 2024 |
| Book Page | 2915/3316 |
| Instrument | 2024016353 |
| Name | SECRETARY OF HOUSING AND URBAN DEVELOPME |
|---|---|
| Type | Non-Lending Institution |
| Address | 451 7TH ST SW, WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 329 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Property Address | 95 WESTRIDGE RD, ELGIN, SC 29045-8856 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2024 |
| Name | Verified Name |
|---|---|
| Address | 95 WESTRIDGE RD, ELGIN, SC 29045-8856 |
| Document Number | 0028853763 |
|---|---|
| Date | Dec 13, 2023 |
| Book Page | 2885/3763 |
| Instrument | 2023053541 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 333 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Sep 13, 2021 |
| Property Address | 95 WESTRIDGE RD, ELGIN, SC 29045-8856 |
| Document Number | 0026643213 |
| Book / Page | 2664 / 3213 |
| Map Reference | MB 54 PG 1822 |
| Instrument Date | Aug 20, 2021 |
| Instrument | 2021061328 |
| Transaction Type | Transfer |
| Record Updated | Apr 11, 2024 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $592.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 95 WESTRIDGE RD, ELGIN, SC 29045-8856 |
| Document Number | 2021061329 |
|---|---|
| Date | Sep 13, 2021 |
| Instrument | 2021061329 |
| Name | ASSURANCE FINANCIAL GROUP LLC |
|---|---|
| Type | Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2051 |
Source: Richland County assessment roll, as of July 14, 2026
| Type | Name |
|---|---|
| State | South Carolina |
| County | Richland County |
| Unified School District | Richland School District 2 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,876.00 (+11.87%) | $179,400 (+2,703.13%) Land $30,000 Building $149,400 | $179,400 (+12.13%) Land $30,000 Building $149,400 |
| 2023 | $1,677.00 (+41.64%) | $6,400 (+55.72%) | $160,000 (+43.11%) |
| 2021 | $1,184.00 | $4,110 | $111,800 Land $20,300 Building $91,500 |
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.
Source: FEMA National Flood Hazard Layer, effective September 13, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 12 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 1 (2015) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Oct 2015 · Severe Storms And Flooding |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 94% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF COLUMBIA serves 354,068 people · EPA ID SC4010001 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2025 |
| Lead | 5 ppb (2021–2023) action level 15 ppb |
| Water Quality | Chlorite resolved · Dec 2024 E. coli resolved · Apr 2021 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 152 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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