Berkeley County property record for 509 Temple Rd, Ladson, SC 29456
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,092 sqft · built 2015 |
| Lot Size | 0.216 acres (9,421 sqft) |
| Owner | Individual Name on File |
| Last Sale | $105,000 (Aug 2015) |
| Tax Bill | $682 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage Sep 2020 Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 233-07-02-011 |
| Primary APN | 233-07-02-011 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,092 sqft Finished Area |
| Gross Area | 1,620 sqft |
| 1st Floor Area | 1,092 sqft |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,421 sqft (0.216 acres) |
| Garage Area | 312 sqft |
| Porch | Patio |
| Porch Area | 216 sqft |
| Street Address | 509 TEMPLE RD |
|---|---|
| City | LADSON |
| State | SC |
| Zip | 29456-3291 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BERKELEY C |
| Legal Description | ASSESSMENT DISTRICT: 140COLLEGE PARK |
| Legal Subdivision | COLLEGE PARK |
| Legal Block | 31 |
| Legal Lot Number | 120 |
| Jurisdiction | BERKELEY SC |
| Township / Civil Division | GOOSE CREEK-HANAHAN |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 20717 |
509 Temple Rd is owned and occupied by an individual who bought it in August 2015.
Source: Berkeley County records, as of August 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 509 TEMPLE RD, LADSON, SC 29456-3291 |
| 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.
| Date | Document |
|---|---|
| Mar 10, 2022 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Sep 30, 2020 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Aug 26, 2019 | Deed of Trust, Mortgage · FHA Mortgage ANGEL OAK HM LOANS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 7, 2015 · Amount on File |
| Deed Sale | Aug 7, 2015 · Amount on File |
| Prior Sale | Mar 28, 2002 · Amount on File |
| Deed Document Number | 201520354 |
| Deed Book / Page | 11545 / 15 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERKELEY SC |
| Property Address | 509 TEMPLE RD, LADSON, SC 29456-3291 |
| Transaction Type | Mortgage |
| Record Updated | Mar 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 04174/0286 |
|---|---|
| Date | Mar 10, 2022 |
| Book Page | 4174/286 |
| Instrument | 2022009712 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERKELEY SC |
| Property Address | 509 TEMPLE RD, LADSON, SC 29456-3291 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 3518/0304 |
|---|---|
| Date | Sep 30, 2020 |
| Book Page | 3518/304 |
| Instrument | 2020037695 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERKELEY SC |
| Property Address | 509 TEMPLE RD, LADSON, SC 29456-3291 |
| Document Number | 3123/0046 |
| Instrument Date | Aug 26, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 4, 2019 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Address | 509 TEMPLE RD LADSON SC 294563291, LADSON, SC 29456-3291 |
| Document Number | 3123/0046 |
|---|---|
| Date | Sep 9, 2019 |
| Book Page | 003123/000046 |
| Instrument | 31590 |
| Name | ANGEL OAK HM LOANS |
|---|---|
| Address | ATLANTA, GA 30328 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 8, 2049 |
The 2025 property tax bill for 509 Temple Rd was $682 with a homeowner's exemption, up 5.9% from the year before.
Source: Berkeley County assessment roll, as of June 2, 2026
| Type | Name |
|---|---|
| State | South Carolina |
| County | Berkeley County |
| Unified School District | Berkeley County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $135,292 (+2,400.31%) Land $27,034 Building $108,258 | $225,200 (-) Land $45,000 Building $180,200 | |
| 2025 | $682.00 (+5.9%) | $5,411 (-) Land $1,081 Building $4,330 | $225,200 (-) Land $45,000 Building $180,200 |
| 2024 | $644.00 Homeowner's exemption | $5,411 Land $1,081 Building $4,330 | $225,200 Land $45,000 Building $180,200 |
| 2022 | $645.00 Homeowner's exemption | $4,706 Land $652 Building $4,054 | $144,300 Land $20,000 Building $124,300 |
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.
FEMA maps place 509 Temple Rd in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 10 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 10 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 risk around 509 Temple Rd is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 94% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BCWSA SANGAREE W/D (0820002) serves 95,345 people · EPA ID SC0820002 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Feb 2025 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 414 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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