9630 N Cardinal Dr, Ladson, SC 29456 Property Records

Dorchester County property record for 9630 N Cardinal Dr, Ladson, SC 29456

Property Summary

Property Type	Duplex
Details	3 bd · 1 ba · 879 sqft · built 1986
Lot Size	0.09 acres (3,936 sqft)
Owner	Individual Name on File
Last Sale	$215,000 (Jul 2025)
Tax Bill	$1,548 (2025)
Deeds & Mortgages	Jul 2025 Sale & Mortgage Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`154-14-07-068`

Property Details

APN / Parcel Number

Primary APN	`154-14-07-068`
Alternative APN	`R0043587`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	879 sqft Total Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Duplex Single
Exterior Material	Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	3,936 sqft (0.09 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Coal

Location & Zoning

Account Number	R0043587
Street Address	9630 N CARDINAL DR
City	LADSON
State	SC
Zip	29456-4925
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R-2_DC
Legal Description	LOT 18B SUBD: AVENUE OF OAKS PH 0 BLK A
Legal Subdivision	AVENUE OF OAKS
Legal Phase	1
Legal Block	A
Legal Lot Number	18B
Jurisdiction	DORCHESTER SC
Township / Civil Division	SUMMERVILLE
Census Block Group	2
Census Block	2013
Census Tract	10815

Owner

9630 N Cardinal Dr, a duplex, is owned and occupied by an individual who bought it in July 2025.

Source: Dorchester County records, as of August 24, 2026

Owner of Record	Individual Name on File
Mailing Address	9630 N CARDINAL DR, LADSON, SC 29456-4925
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
Jul 1, 2025	Deed, Transfer · FHA Mortgage LOWER LLC
Aug 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage VISION FIN'L SVCS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2025 · Amount on File
Deed Sale	Jul 1, 2025 · Amount on File
Prior Sale	Mar 19, 2015 · Amount on File
Deed Document Number	202513506
Deed Book / Page	15970 / 327
Record Updated	Oct 29, 2026

July 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER SC
Recording Date	Jul 1, 2025
Property Address	9630 N CARDINAL DR, LADSON, SC 29456-4925
Document Number	0159700327
Book / Page	15970 / 327
Map Reference	MB E PG 395
Instrument Date	Jun 25, 2025
Instrument	2025013506
Transaction Type	Transfer
Record Updated	Oct 31, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$559.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9630 N CARDINAL DR, LADSON, SC 29456-4925
Investor	Possibly a Property Investor

Mortgage

Document Number	2025013507
Date	Jul 1, 2025
Instrument	2025013507

Lender

Name	LOWER LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2055

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER SC
Property Address	9630 N CARDINAL DR, LADSON, SC 29456-4925
Document Number	2736/0226
Instrument Date	Aug 25, 2020
Transaction Type	Mortgage
Record Updated	Oct 14, 2020
Title Company	BOSTON NATIONAL TITLE, BOSTON NAT'L TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	9630 N CARDINAL DR LADSON SC 294564925, LADSON, SC 29456-4925

Mortgage

Document Number	2736/0226
Date	Sep 3, 2020
Book Page	012736/000226
Instrument	22784

Lender

Name	VISION FIN'L SVCS
Type	Funding / Finance Company
Address	AUSTIN, TX 78758

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 2, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 9630 N Cardinal Dr was $1,548, up 2% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,548.00 (+1.98%)	$12,714 Land $4,500 Building $8,214	$211,900 Land $75,000 Building $136,900
2024	$1,518.00 (+10.4%)
2023	$1,375.00 (+0.51%)	$5,044 (+48.79%) Land $1,200 Building $3,844	$84,059 (+49.17%) Land $20,000 Building $64,059
2022	$1,368.00	$3,390 Land $1,040 Building $2,350	$56,350 Land $17,250 Building $39,100

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 9630 N Cardinal Dr in Zone X, an area of minimal flood risk, though there have been 107 flood claims nearby since 1987.

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 File median of 42 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	42 in force
Nearby Flood Claims	107 (1987–2024)
Claims Outside the SFHA	10 of 107
Most Recent Claim	Aug 2024 · Tropical Storm Debby
Claims by Event	Tropical Storm Debby, Aug 2024 · 8 claims Hurricane Matthew, Oct 2016 · 16 claims Severe Storms And Flooding, Oct 2015 · 65 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

Wildfire risk around 9630 N Cardinal Dr is low, with less than 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	Under 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	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 395 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T DSL · Fiber in parts of the area	100 / 20

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on N Cardinal Dr

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