245 Towering Pine Dr, Ladson, SC 29456 Property Records

Dorchester County property record for 245 Towering Pine Dr, Ladson, SC 29456

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,200 sqft · built 2004
Lot Size	0.169 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$179,700 (Aug 2015)
Tax Bill	$2,114 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Nov 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`146-12-02-042`

Property Details

APN / Parcel Number

Primary APN	`146-12-02-042`
Alternative APN	`R0032769`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,200 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.169 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	R0032769
Old Parcel Number	1461202042
Street Address	245 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 B-206 SUBD: SUMMERHAVEN PH 2-B
Legal Subdivision	SUMMERHAVEN
Legal Phase	2-B
Legal Tract	B
Legal Lot Number	B-206
Jurisdiction	DORCHESTER SC
Township / Civil Division	SUMMERVILLE
Census Block Group	1
Census Block	1006
Census Tract	10814

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	245 TOWERING PINE DR, LADSON, SC 29456-3793
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2024	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK
Nov 30, 2021	Deed of Trust, Mortgage · VA Mortgage CAROLINA ONE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2015 · Amount on Record
Deed Sale	Aug 31, 2015 · Amount on Record
Prior Sale	Sep 28, 2004 · Amount on Record
Deed Document Number	0009886142
Deed Book / Page	9886 / 142
Record Updated	Jun 8, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER SC
Property Address	245 TOWERING PINE DR, LADSON, SC 29456-3793
Transaction Type	Mortgage
Record Updated	Feb 16, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0151120144
Date	Jan 29, 2024
Book Page	15112/144
Instrument	2024001657

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60639

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER SC
Property Address	245 TOWERING PINE DR, LADSON, SC 29456-3793
Transaction Type	Mortgage
Record Updated	Dec 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	138300016
Date	Nov 30, 2021
Book Page	13830/16
Instrument	2021038312

Lender

Name	CAROLINA ONE MORTGAGE
Type	Mortgage Company
Address	NORTH CHARLESTON, SC 29405

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

Source: Dorchester County assessment roll, as of September 13, 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	$2,114.00	$13,505 (+85.92%) Land $3,400 Building $10,105	$337,614 (+85.91%) Land $85,000 Building $252,614
2024	$2,114.00 (+10.22%)
2023	$1,918.00 (+2.46%)	$7,264 (+0.06%) Land $1,800 Building $5,464	$181,600 (-) Land $45,000 Building $136,600
2022	$1,872.00	$7,260 Land $1,800 Building $5,460	$181,600 Land $45,000 Building $136,600

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	Low lower than 80% of the US · lower than 96% of South Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within 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	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.

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