120 Towering Pine Dr, Ladson, SC 29456 Property Records

Dorchester County property record for 120 Towering Pine Dr, Ladson, SC 29456

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,812 sqft · built 2003
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on Record
Last Sale	$361,000 (Aug 2026)
Tax Bill	$1,836 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Apr 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`146-12-03-007`

Property Details

APN / Parcel Number

Primary APN	`146-12-03-007`
Alternative APN	`R0032800`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,812 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	7,841 sqft (0.18 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	R0032800
Street Address	120 TOWERING PINE DR
City	LADSON
State	SC
Zip	29456-3712
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD_SV
Legal Description	LOT B47 SUBD: SUMMERHAVEN PH 1A
Legal Subdivision	SUMMERHAVEN
Legal Phase	1A
Legal Lot Number	B47
Jurisdiction	DORCHESTER SC
Township / Civil Division	SUMMERVILLE
Census Block Group	1
Census Block	1010
Census Tract	10814

Owner

Source: Dorchester County records, as of September 14, 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	120 TOWERING PINE DR, LADSON, SC 29456-3712
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2026	Deed, Transfer · VA Mortgage ACADEMY BANK
Apr 13, 2022	Intrafamily Transfer, Transfer
Jun 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage RUOFF MTG
Mar 17, 2017	Deed of Trust, Mortgage · Conventional with PMI PENTAGON FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2026 · Amount on Record
Deed Sale	Aug 28, 2026 · Amount on Record
Prior Sale	Jul 22, 2002 · Amount on Record
Deed Document Number	202620894
Deed Book / Page	16818 / 109
Prior Transfer Date	Apr 8, 2022
Prior Transfer Doc	0141090289
Record Updated	Oct 29, 2026

August 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER SC
Recording Date	Aug 28, 2026
Property Address	120 TOWERING PINE DR, LADSON, SC 29456-3712
Document Number	0000020894
Book / Page	16818 / 109
Instrument Date	Aug 28, 2026
Instrument	202620894
Transaction Type	Transfer
Record Updated	Sep 4, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$94,798.60
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 TOWERING PINE DR, LADSON, SC 29456-3712

Mortgage

Document Number	0000020895,
Date	Aug 28, 2026
Instrument	202620895

Lender

Name	ACADEMY BANK

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DORCHESTER SC
Recording Date	Apr 13, 2022
Property Address	120 TOWERING PINE DR, LADSON, SC 29456-3712
Document Number	0141090289
Book / Page	14109 / 289
Map Reference	CAB K SL 29
Instrument Date	Apr 8, 2022
Instrument	2022010079
Transaction Type	Transfer
Record Updated	Apr 25, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	120 TOWERING PINE DR, LADSON, SC 29456-3712

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER SC
Property Address	120 TOWERING PINE DR, LADSON, SC 29456-3712
Document Number	2540/0233
Instrument Date	Jun 2, 2020
Transaction Type	Mortgage
Record Updated	Jul 31, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 TOWERING PINE DR LADSON SC 294563712, LADSON, SC 29456-3712

Mortgage

Document Number	2540/0233
Date	Jun 9, 2020
Book Page	012540/000233
Instrument	13442

Lender

Name	RUOFF MTG
Type	Mortgage Company
Address	FORT WAYNE, IN 46804

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 8, 2035

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER SC
Property Address	120 TOWERING PINE DR, LADSON, SC 29456-3712
Document Number	0729/0028
Book / Page	010729 / 000028
Instrument Date	Mar 17, 2017
Transaction Type	Mortgage
Record Updated	Sep 14, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 TOWERING PINE DR LADSON SC 294563712, LADSON, SC 29456-3712

Mortgage

Document Number	0729/0028
Date	Mar 29, 2017
Book Page	010729/000028
Instrument	7932

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	ALEXANDRIA, VA 22313

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 28, 2047

Interest

Rate Type	Adjustable Rate
Rate	3%

Tax Assessment & Valuation

Source: Dorchester County assessment roll, as of October 31, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,836.00	$12,266 (+56.16%) Land $3,400 Building $8,866	$306,646 (+56.16%) Land $85,000 Building $221,646
2024	$1,836.00 (+13.68%)
2023	$1,615.00 (+2.74%)	$7,855 (+0.06%) Land $1,800 Building $6,055	$196,365 (-) Land $45,000 Building $151,365
2022	$1,572.00 Homeowner's exemption	$7,850 Land $1,800 Building $6,050	$196,365 Land $45,000 Building $151,365

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 21 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	21 in force
Nearby Flood Claims	6 (1999–2021)
Claims Outside the SFHA	6 of 6
Most Recent Claim	Feb 2021 · rainfall accumulation
Claims by Event	Hurricane Floyd Major Disaster Declarations, Sep 1999 · 2 claims

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	Moderate above 44% of the US · lower than 64% of South Carolina
Wildfire Likelihood	0.05% 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.

Drinking Water

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

Water System	SUMMERVILLE CPW serves 81,750 people · EPA ID SC1810003
Water Source	Purchased surface water from LAKE MOULTRIE REGIONAL WS
Last State Inspection	Nov 2022
Lead	Under 1 ppb (2024–2026) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 156 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
WOW Internet, Cable & Phone Cable	1,200 / 50
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

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