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209 Lacecap Rd, Elgin, SC, 29045

4beds
2baths
2,608sqft
$414,000
$159price/sqft
$2,738/moest. monthly cost
$109,520/yrincome needed

About This Home

209 Lacecap Rd is a two-story Elgin home built in 2020 with modern finishes throughout. The kitchen features stainless steel appliances and abundant cabinet storage alongside quartz countertops. The primary bedroom includes a walk-in closet, while the primary bathroom has double sinks for convenience. A fireplace adds warmth to the living spaces, and a covered patio extends the home's entertaining potential. A two-car garage completes this well-designed residence that balances comfort with practical living.. Included 100-Day Home Warranty with buyer activation Disclaimer: CMLS has not reviewed and, therefore, does not endorse vendors who may appear in listings.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
13
BikeSomewhat Bikeable

Schools

8/10
Catawba Trail ElementaryGrades PK-50.5 mi
5/10
8/10
Spring Valley High SchoolGrades 9-123.3 mi

Construction

Condition

  • Year built: 2020

Materials

  • Foundation: Slab
  • Construction materials: Wood Fiber-Masonite,Other

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2

Features

  • Number of fireplaces: 1
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Gas 1st Lvl
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,608
  • Total interior livable area: 2,608 sqft

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 289040510

Features

  • Stories: 2

Lot

  • Lot size: 9,147 sqft
  • Lot size dimensions: 9148

Parking

  • Total spaces: 2
  • Parking features: Detached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Hurricane
Heat Wave
Inland Flooding
Ice Storm
Lightning
Strong Wind
Tornado
Winter Weather

FEMA Declared Disasters in Richland County and South Carolina

Flood
Hurricane
Mud Landslide
Severe Storm
Tornado
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,093$25,116
Home Insurance *$159$1,908
Property Taxes $236$2,832
Electricity $250$3,009
Total$2,738$32,856
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$93,874/yr
40% on housing$82,140/yr
45% on housing$73,013/yr

South Carolina FAIR Plan Programs

South Carolina Wind and Hail Underwriting Association

Covered
HailHail
WindWind
Visit Website →

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 6.9%
6.9%
0%30.0%
Electricity Growth Rate10-year average: 3.6%
3.6%
0%15.0%
Property Taxes Growth Rate2-year average: 1.2%
1.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$159This listing

vs Other Active Listings

Avg $/sqft

ZIP 29045$144
Richland County$133

vs Homes Sold Last Month

Median $/sqft

ZIP 29045
Richland County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-06Price change$405,000
2026-07-23Price change$414,000
2026-07-09Price change$427,000
2026-06-12Listed for sale$440,000
2026-05-26Sold$385,800
2020-08-23Sold$349,900
2020-05-31Listed for sale$349,900

For Sale by Agent

AgentThomas Shoupe
BrokerageOpenDoor Brokerage LLC

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