1103 Sapling Dr, Summerville, SC 29485 Property Records

Dorchester County property record for 1103 Sapling Dr, Summerville, SC 29485

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,072 sqft · built 2019
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$292,350 (Feb 2019)
Tax Bill	$2,362 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`160-05-05-011`

Property Details

APN / Parcel Number

Primary APN	`160-05-05-011`
Alternative APN	`R0078611`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	3,072 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	R0078611
Street Address	1103 SAPLING DR
City	SUMMERVILLE
State	SC
Zip	29485-7875
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD_DC
Legal Description	LOT 9 SUBD: TIMBER TRACE PH 1
Legal Subdivision	TIMBER TRACE
Legal Phase	1
Legal Lot Number	9
Jurisdiction	DORCHESTER SC
Township / Civil Division	SUMMERVILLE
Census Block Group	3
Census Block	3002
Census Tract	10801

Owner

1103 Sapling Dr is owned and occupied by two individuals who bought it in February 2019.

Source: Dorchester County records, as of November 24, 2025

Owner of Record	2 Individual Names on File
Mailing Address	1103 SAPLING DR, SUMMERVILLE, SC 29485-7875
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2021	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Mar 16, 2020	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC
Feb 12, 2019	Grant Deed, Subdivision Related Transfer · FHA Mortgage EAGLE HM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 12, 2019 · Amount on File
Deed Sale	Feb 12, 2019 · Amount on File
Deed Document Number	2019003436
Deed Book / Page	11742 / 204
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER SC
Property Address	1103 SAPLING DR, SUMMERVILLE, SC 29485-7875
Transaction Type	Mortgage
Record Updated	Mar 1, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	131180034
Date	Feb 10, 2021
Book Page	13118/34
Instrument	2021004427

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER SC
Property Address	1103 SAPLING DR, SUMMERVILLE, SC 29485-7875
Document Number	2392/0300
Instrument Date	Mar 16, 2020
Transaction Type	Mortgage
Record Updated	May 27, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1103 SAPLING DR SUMMERVILLE SC 294857875, SUMMERVILLE, SC 29485-7875

Mortgage

Document Number	2392/0300
Date	Mar 20, 2020
Book Page	012392/000300
Instrument	6615

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 19, 2050

February 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	DORCHESTER SC
Recording Date	Feb 12, 2019
Property Address	1103 SAPLING DR, SUMMERVILLE, SC 29485-7875
Document Number	1742/0204
Book / Page	011742 / 000204
Instrument Date	Jan 23, 2019
Instrument	3436
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 11, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$292.35
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	1103 SAPLING DR SUMMERVILLE SC 294857875, SUMMERVILLE, SC 29485-7875

Mortgage

Document Number	1742/0211
Date	Feb 12, 2019
Book Page	011742/000211
Instrument	3437

Lender

Name	EAGLE HM MTG
Type	Mortgage Company
Address	MIAMI, FL 33172-3139

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 11, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1103 Sapling Dr was $2,362.

Source: Dorchester County assessment roll, as of September 13, 2025

Property Jurisdictions

Type	Name
State	South Carolina
County	Dorchester County
Unified School District	Dorchester School District 2 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,362.00	$20,038 Land $4,600 Building $15,438	$500,949 Land $115,000 Building $385,949
2024	$2,362.00 (+11.05%)
2023	$2,127.00 (+1.24%)	$11,640 (-) Land $2,000 Building $9,640	$291,000 (-) Land $50,000 Building $241,000
2022	$2,101.00	$11,640 Land $2,000 Building $9,640	$291,000 Land $50,000 Building $241,000

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

FEMA maps place 1103 Sapling Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 30, 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 File median of 120 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	120 in force

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.

Wildfire

Wildfire risk around 1103 Sapling Dr is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · lower than 93% of South Carolina
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 216 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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