101 Cardinal Dr, Seneca, SC 29672 Property Records

Oconee County property record for 101 Cardinal Dr, Seneca, SC 29672

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,910 sqft · built 1979
Lot Size	0.83 acres (36,155 sqft)
Owner	2 Individual Names on Record
Last Sale	$660,000 (Aug 2025)
Tax Bill	$6,955 (2025)
Deeds & Mortgages	Jan 2022 Mortgage May 2019 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`520-07-03-022`

Property Details

APN / Parcel Number

Primary APN	`520-07-03-022`
Alternative APN	`55344`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,910 sqft Living Area
1st Floor Area	1,683 sqft
Basement Area	1,227 sqft
Finished Basement	1 sqft
Unfinished Basement	1,227 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1990
Architectural Style	Ranch
Exterior Material	Brick
Roof Type	Gable
Roof Material	Shingle
Lot Area	36,155 sqft (0.83 acres)
Lot Dimensions	99.5 ft deep x 3.7 ft wide
Garage Type	Basement
Garage Area	456 sqft
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	55344
Street Address	101 CARDINAL DR
City	SENECA
State	SC
Zip	29672-2203
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 20 & 21 NORMANDY SHORES
Legal Subdivision	NORMANDY SHORES
Legal Block	3
Legal Lot Number	20-21
Jurisdiction	OCONEE SC
Township / Civil Division	SENECA
Census Block Group	1
Census Block	1063
Census Tract	30601

Owner

Source: Oconee County records, as of March 25, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	154 FIELDBROOK XING, CANTON, GA 30115-4543
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
May 2, 2019	Grant Deed, Transfer · Line of Credit ACOPIA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2025 · Amount on Record
Deed Sale	Aug 15, 2025 · Amount on Record
Prior Sale	May 2, 2019 · Amount on Record
Deed Document Number	20252311
Deed Book / Page	3263 / 43
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCONEE SC
Property Address	101 CARDINAL DR, SENECA, SC 29672-2203
Transaction Type	Mortgage
Record Updated	Feb 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011274
Date	Jan 18, 2022
Book Page	4276/178
Instrument	11274

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Feb 1, 2051

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OCONEE SC
Recording Date	May 2, 2019
Property Address	101 CARDINAL DR, SENECA, SC 29672-2203
Document Number	0024620269
Book / Page	002462 / 000269
Instrument Date	Apr 26, 2019
Transaction Type	Transfer
Record Updated	May 9, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,480.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	75 REED RD FAIRVIEW NC 287308624, FAIRVIEW, NC 28730-8624

Mortgage

Document Number	38260015
Date	May 2, 2019
Book Page	003826/000015

Lender

Name	ACOPIA
Address	GOODLETTSVILLE, TN 37072

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Oconee County assessment roll, as of November 17, 2025

Property Jurisdictions

Type	Name
State	South Carolina
County	Oconee County
Municipality	Seneca City
Unified School District	Oconee County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,955.00	$16,459 (-) Land $7,666 Building $8,793	$411,466 (-) Land $191,650 Building $219,816
2023		$16,459 Land $7,666 Building $8,793	$411,466 Land $191,650 Building $219,816

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.

Flood

Source: FEMA National Flood Hazard Layer, effective December 21, 2017

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 91% of South Carolina
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF SENECA serves 39,772 people · EPA ID SC3710002
Water Source	Surface water
Last State Inspection	Mar 2026
Lead	3 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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. The service area is an EPA estimate; the actual supplier may differ. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 89 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Vyve Broadband Cable	1,000 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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