203 Towering Pine Dr, Ladson, SC 29456 Property Records

Dorchester County property record for 203 Towering Pine Dr, Ladson, SC 29456

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,816 sqft · built 2003
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on Record
Last Sale	$350,000 (Apr 2026)
Tax Bill	$2,301 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Apr 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`146-12-02-023`

Property Details

APN / Parcel Number

Primary APN	`146-12-02-023`
Alternative APN	`R0032750`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,816 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Concrete
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	R0032750
Street Address	203 TOWERING PINE DR
City	LADSON
State	SC
Zip	29456-3793
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD_SV
Legal Description	LOT B26 SUBD: SUMMERHAVEN PH 0
Legal Subdivision	SUMMERHAVEN
Legal Phase	1
Legal Lot Number	B26
Jurisdiction	DORCHESTER SC
Township / Civil Division	SUMMERVILLE
Census Block Group	1
Census Block	1006
Census Tract	10814

Owner

Source: Dorchester County records, as of July 2, 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	203 TOWERING PINE DR, LADSON, SC 29456-3793
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2022	Deed of Trust, Mortgage · VA Mortgage AMERICAN FINANCING CORP
Apr 8, 2026	Deed, Transfer · Conventional Mortgage PREMIA MORTGAGE
Apr 8, 2026	Deed, Transfer · Conventional Mortgage PREMIA MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 8, 2026 · Amount on Record
Deed Sale	Apr 8, 2026 · Amount on Record
Prior Sale	Oct 3, 2003 · Amount on Record
Deed Document Number	20267952
Deed Book / Page	16515 / 110
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER SC
Property Address	203 TOWERING PINE DR, LADSON, SC 29456-3793
Transaction Type	Mortgage
Record Updated	Apr 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0143560001
Date	Aug 31, 2022
Book Page	14356/1
Instrument	2022022705

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution
Address	AURORA, CO 80014

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER SC
Recording Date	Apr 8, 2026
Property Address	203 TOWERING PINE DR, LADSON, SC 29456-3793
Document Number	0000007952
Book / Page	16515 / 110
Instrument Date	Apr 8, 2026
Instrument	20267952
Transaction Type	Transfer
Record Updated	Apr 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$91,910.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	203 TOWERING PINE DR, LADSON, SC 29456-3793
Investor	Possibly a Property Investor

Mortgage

Document Number	0000007954,
Date	Apr 8, 2026
Instrument	20267954

Lender

Name	PREMIA MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER SC
Recording Date	Apr 8, 2026
Property Address	203 TOWERING PINE DR, LADSON, SC 29456-3793
Document Number	0165150110
Book / Page	16515 / 110
Instrument Date	Apr 8, 2026
Instrument	20267952
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$91,910.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	203 TOWERING PINE DR, LADSON, SC 29456-3793
Investor	Possibly a Property Investor

Mortgage

Document Number	0000007954,
Date	Apr 8, 2026
Instrument	20267954

Lender

Name	PREMIA MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

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	$2,301.00	$12,533 (+56%) Land $3,400 Building $9,133	$313,324 (+56.01%) Land $85,000 Building $228,324
2024	$2,301.00 (+10.41%)
2023	$2,084.00 (+2.36%)	$8,034 (+0.05%) Land $1,800 Building $6,234	$200,838 (-) Land $45,000 Building $155,838
2022	$2,036.00	$8,030 Land $1,800 Building $6,230	$200,838 Land $45,000 Building $155,838

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 57% of the US · above 73% of South Carolina
Wildfire Likelihood	0.1% 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	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 147 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Home Telecom, WOW Internet, Cable & Phone, Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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