105 Cardinal Dr, Seneca, SC 29672 Property Records

Oconee County property record for 105 Cardinal Dr, Seneca, SC 29672

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,220 sqft · built 1978
Lot Size	0.56 acres (24,394 sqft)
Owner	Individual Name on Record
Last Sale	$800,000 (Apr 2022)
Tax Bill	$3,689 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`520-07-03-020`

Property Details

APN / Parcel Number

Primary APN	`520-07-03-020`
Alternative APN	`55342`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	2,220 sqft Living Area
Basement Area	728 sqft
Finished Basement	1 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1995
Architectural Style	Traditional
Exterior Material	Other
Roof Material	Shingle
Lot Area	24,394 sqft (0.56 acres)
Lot Dimensions	203 ft deep x 120 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Floor/Wall Furnace

Location & Zoning

Account Number	55342
Old Parcel Number	520 07 03 020
Street Address	105 CARDINAL DR
City	SENECA
State	SC
Zip	29672-2203
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 18 NORMANDY SHORES
Legal Subdivision	NORMANDY SHORES
Legal Block	3
Legal Lot Number	18
Jurisdiction	OCONEE SC
Township / Civil Division	SENECA
Census Block Group	1
Census Block	1063
Census Tract	30601

Owner

Source: Oconee County records, as of November 14, 2025

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
Co-owner	Co-owner on Record
Mailing Address	105 CARDINAL DR, SENECA, SC 29672-2203
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2022	Deed, Transfer · Conventional Mortgage ANGEL OAK HOME LOANS LLC
Nov 14, 2019	Deed with Mortgage, Transfer · Conventional with PMI NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 6, 2022 · Amount on Record
Deed Sale	Apr 6, 2022 · Amount on Record
Deed Document Number	0000015970
Deed Book / Page	2798 / 272
Record Updated	Jun 8, 2026

April 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	OCONEE SC
Recording Date	Apr 6, 2022
Property Address	105 CARDINAL DR, SENECA, SC 29672-2203
Document Number	0000015970
Book / Page	2798 / 272
Instrument Date	Apr 6, 2022
Instrument	15970
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,960.00
Amount Accuracy	Verified / From Affidavit
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	105 CARDINAL DR, SENECA, SC 29672-2203

Mortgage

Document Number	0004313285
Date	Apr 6, 2022
Instrument	4313/285

Lender

Name	ANGEL OAK HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2052

November 2019: Deed with Mortgage, Transfer

Document Type	Deed with Mortgage
Jurisdiction	OCONEE SC
Recording Date	Nov 14, 2019
Property Address	105 CARDINAL DR, SENECA, SC 29672-2203
Book / Page	002519 / 000273
Instrument Date	Nov 13, 2019
Instrument	6466
Transaction Type	Transfer
Record Updated	Nov 28, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,942.50
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	105 CARDINAL DR SENECA SC 296722203, SENECA, SC 29672-2203

Mortgage

Document Number	0000006466
Date	Nov 14, 2019
Book Page	003895/000157
Instrument	6466

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 13, 2049

Tax Assessment & Valuation

Source: Oconee County assessment roll, as of September 13, 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	$3,689.00	$21,489 (-) Land $10,080 Building $11,409	$537,235 (-) Land $252,000 Building $285,235
2023		$21,489 Land $10,080 Building $11,409	$537,235 Land $252,000 Building $285,235

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 95% of the US · lower than 98.6% of South Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 104 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Vyve Broadband Cable	1,000 / 100
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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