409 Torrey Dr, Ladson, SC 29456 Property Records

Berkeley County property record for 409 Torrey Dr, Ladson, SC 29456

Property Summary

Property Type	Single Family Home
Details	1,418 sqft
Lot Size	0.265 acres (11,574 sqft)
Owner	Individual Name on File
Last Sale	$258,860 (Mar 2023)
Tax Bill	$1,218 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`233-15-05-033`

Property Details

APN / Parcel Number

Primary APN	`233-15-05-033`

Interior

Stories	1 Story
Building Area	1,418 sqft Finished Area
Gross Area	1,952 sqft
1st Floor Area	1,418 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Lot Area	11,574 sqft (0.265 acres)
Garage Area	252 sqft
Porch	Slab
Porch Area	30 sqft

Location & Zoning

Street Address	409 TORREY DR
City	LADSON
State	SC
Zip	29456-3121
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BERKELEY C
Legal Description	ASSESSMENT DISTRICT: 640TALL PINES
Legal Subdivision	TALL PINES
Legal Block	F
Legal Lot Number	53
Jurisdiction	BERKELEY SC
Township / Civil Division	GOOSE CREEK-HANAHAN
Census Block Group	5
Census Block	5001
Census Tract	20716

Owner

409 Torrey Dr is owned and occupied by an individual who bought it in March 2023.

Source: Berkeley County records, as of August 18, 2026

Owner of Record	Individual Name on File
Mailing Address	409 TORREY DR, LADSON, SC 29456-3121
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
Mar 20, 2023	Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE
Aug 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 20, 2023 · Amount on File
Deed Sale	Mar 20, 2023 · Amount on File
Prior Sale	Nov 9, 2012 · Amount on File
Deed Document Number	20237819
Deed Book / Page	4509 / 41
Record Updated	Sep 20, 2026

March 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	BERKELEY SC
Recording Date	Mar 20, 2023
Property Address	409 TORREY DR, LADSON, SC 29456-3121
Document Number	04509/0041
Book / Page	4509 / 41
Map Reference	MB V PG 59
Instrument Date	Mar 17, 2023
Instrument	2023007819
Transaction Type	Transfer
Record Updated	May 26, 2023
Title Company	WEEKS AND IRVINE LLC, WEEKS & IRVINE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$673.40
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 TORREY DR, LADSON, SC 29456-3121

Mortgage

Document Number	2023007820
Date	Mar 20, 2023
Instrument	2023007820

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKELEY SC
Property Address	409 TORREY DR, LADSON, SC 29456-3121
Transaction Type	Mortgage
Record Updated	Aug 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03924/0913
Date	Aug 10, 2021
Book Page	3924/913
Instrument	2021037911

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 409 Torrey Dr was $1,218 with a homeowner's exemption, down 68.4% from the year before.

Source: Berkeley County assessment roll, as of June 2, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$252,600 (+2,4%) Land $50,500 Building $202,100	$252,600 (-) Land $50,500 Building $202,100
2025	$1,218.00 (-68.36%)	$10,104 (-) Land $2,020 Building $8,084	$252,600 (-) Land $50,500 Building $202,100
2024	$3,850.00 Homeowner's exemption	$10,104 Land $2,020 Building $8,084	$252,600 Land $50,500 Building $202,100
2022	$841.00 Homeowner's exemption	$5,387 Land $1,122 Building $4,265	$168,100 Land $35,000 Building $133,100

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 409 Torrey Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 18, 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 16 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	16 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 409 Torrey Dr is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 99.4% of South Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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	CHARLESTON WATER SYSTEM serves 278,771 people · EPA ID SC1010001
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	4 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jul 2025
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 346 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: Verizon, WOW Internet, Cable & Phone.

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