1120 Sapling Dr, Summerville, SC 29485 Property Records

Dorchester County property record for 1120 Sapling Dr, Summerville, SC 29485

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,570 sqft · built 2019
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Last Sale	$290,000 (Sep 2020)
Tax Bill	$2,339 (2025)
Deeds & Mortgages	Aug 2022 Second Mortgage Sep 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`160-05-05-027`

Property Details

APN / Parcel Number

Primary APN	`160-05-05-027`
Alternative APN	`R0078627`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,570 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	6,970 sqft (0.16 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	R0078627
Street Address	1120 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 24 SUBD: TIMBER TRACE PH 1
Legal Subdivision	TIMBER TRACE
Legal Phase	1
Legal Lot Number	24
Jurisdiction	DORCHESTER SC
Township / Civil Division	SUMMERVILLE
Census Block Group	3
Census Block	3002
Census Tract	10801

Owner

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

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	1120 SAPLING DR, SUMMERVILLE, SC 29485-7875
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 2, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SOUTH CAROLINA FCU
Sep 21, 2020	Grant Deed, Transfer · FHA Mortgage UNITED BK
Feb 18, 2020	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LN SERVICING
Jun 14, 2019	Grant Deed, Subdivision Related Transfer · FHA Mortgage EAGLE HM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 21, 2020 · Amount on Record
Deed Sale	Sep 21, 2020 · Amount on Record
Prior Sale	Jun 14, 2019 · Amount on Record
Deed Document Number	2020024435
Deed Book / Page	12772 / 159
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER SC
Property Address	1120 SAPLING DR, SUMMERVILLE, SC 29485-7875
Transaction Type	Mortgage
Record Updated	Oct 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0143100305
Date	Aug 2, 2022
Book Page	14310/305
Instrument	2022020398

Lender

Name	SOUTH CAROLINA FCU
Type	Credit Union
Address	NORTH CHARLESTON, SC 29419

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2042

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	DORCHESTER SC
Recording Date	Sep 21, 2020
Property Address	1120 SAPLING DR, SUMMERVILLE, SC 29485-7875
Document Number	2772/0159
Book / Page	012772 / 000159
Instrument Date	Jul 16, 2020
Instrument	24435
Transaction Type	Transfer
Record Updated	Oct 16, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$290.00
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	1120 SAPLING DR SUMMERVILLE SC 294857875, SUMMERVILLE, SC 29485-7875

Mortgage

Document Number	2772/0163
Date	Sep 21, 2020
Book Page	012772/000163
Instrument	24436

Lender

Name	UNITED BK
Type	Bank
Address	FAIRFAX, VA 22030

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 20, 2050

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER SC
Property Address	1120 SAPLING DR, SUMMERVILLE, SC 29485-7875
Document Number	2359/0210
Instrument Date	Feb 18, 2020
Transaction Type	Mortgage
Record Updated	May 18, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1120 SAPLING DR SUMMERVILLE SC 294857875, SUMMERVILLE, SC 29485-7875

Mortgage

Document Number	2359/0210
Date	Mar 3, 2020
Book Page	012359/000210

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 2, 2050

June 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	DORCHESTER SC
Recording Date	Jun 14, 2019
Property Address	1120 SAPLING DR, SUMMERVILLE, SC 29485-7875
Document Number	1919/0063
Book / Page	011919 / 000063
Instrument Date	Jun 3, 2019
Instrument	13896
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 4, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$269.97
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	1120 SAPLING DR SUMMERVILLE SC 294857875, SUMMERVILLE, SC 29485-7875

Mortgage

Document Number	1919/0070
Date	Jun 14, 2019
Book Page	011919/000070
Instrument	13897

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 13, 2049

Tax Assessment & Valuation

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	$2,339.00	$16,645 (+44.49%) Land $4,600 Building $12,045	$416,134 (+44.49%) Land $115,000 Building $301,134
2024	$2,339.00 (+11.06%)
2023	$2,106.00 (+1.2%)	$11,520 (-) Land $2,200 Building $9,320	$288,000 (-) Land $55,000 Building $233,000
2022	$2,081.00	$11,520 Land $2,200 Building $9,320	$288,000 Land $55,000 Building $233,000

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

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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