Florence County property record for 964 Cardinal Cir, Florence, SC 29505
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,365 sqft · built 1969 |
| Lot Size | 0.39 acres (16,891 sqft) |
| Owner | Individual Name on File |
| Last Sale | $201,000 (Oct 2018) |
| Tax Bill | $1,178 (2025) |
| Deeds & Mortgages | Apr 2020 Mortgage Apr 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01501-04-011 |
| Primary APN | 01501-04-011 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Building Area | 3,365 sqft Living Area |
| 1st Floor Area | 1,815 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Architectural Style | Split Level |
| Exterior Material | Brick Veneer |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 16,891 sqft (0.39 acres) |
| Patio Area | 559 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Street Address | 964 CARDINAL CIR |
|---|---|
| City | FLORENCE |
| State | SC |
| Zip | 29505-3014 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | HUNTINGTON PL LT 11D |
| Legal Subdivision | HUNTINGTON PLACE |
| Legal Lot Number | 11D |
| Jurisdiction | FLORENCE SC |
| Township / Civil Division | FLORENCE |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 1400 |
964 Cardinal Cir is owned and occupied by an individual who bought it in October 2018.
Source: Florence County records, as of June 5, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 964 CARDINAL CIR, FLORENCE, SC 29505-3014 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 23, 2020 | Deed of Trust, Mortgage RESIDENTIAL MTG SVC |
| Apr 3, 2020 | Deed of Trust, Mortgage RESIDENTIAL MTG SVC |
| Oct 15, 2018 | Deed of Trust, Mortgage · FHA Mortgage FINANCE OF AMERICA MTG |
| Oct 16, 2018 | Grant Deed, Transfer · FHA Mortgage FINANCE OF AMERICA MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 16, 2018 · Amount on File |
| Deed Sale | Oct 16, 2018 · Amount on File |
| Prior Sale | May 16, 2013 · Amount on File |
| Deed Book / Page | 767 / 1285 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLORENCE SC |
| Property Address | 964 CARDINAL CIR, FLORENCE, SC 29505-3014 |
| Document Number | 0000005426 |
| Instrument Date | Apr 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 18, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 964 CARDINAL CIR FLORENCE SC 295053014, FLORENCE, SC 29505-3014 |
| Document Number | 0000005426 |
|---|---|
| Date | Apr 23, 2020 |
| Book Page | 000850/000045 |
| Instrument | 5426 |
| Name | RESIDENTIAL MTG SVC |
|---|---|
| Type | Mortgage Company |
| Address | SOUTH PORTLAND, ME 04106 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Apr 22, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLORENCE SC |
| Property Address | 964 CARDINAL CIR, FLORENCE, SC 29505-3014 |
| Document Number | 0000004907 |
| Instrument Date | Apr 3, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 18, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 964 CARDINAL CIR FLORENCE SC 295053014, FLORENCE, SC 29505-3014 |
| Document Number | 0000004907 |
|---|---|
| Date | Apr 9, 2020 |
| Book Page | 000848/000636 |
| Instrument | 4907 |
| Name | RESIDENTIAL MTG SVC |
|---|---|
| Type | Mortgage Company |
| Address | SOUTH PORTLAND, ME 04106 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Apr 8, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLORENCE SC |
| Property Address | 964 CARDINAL CIR, FLORENCE, SC 29505-3014 |
| Document Number | 0000016932 |
| Instrument Date | Oct 15, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 9, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 964 CARDINAL CIR FLORENCE SC 295053014, FLORENCE, SC 29505-3014 |
| Document Number | 0000016932 |
|---|---|
| Date | Dec 19, 2018 |
| Book Page | 000776/001670 |
| Instrument | 16932 |
| Name | FINANCE OF AMERICA MTG |
|---|---|
| Address | HORSHAM, PA 19044 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 18, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FLORENCE SC |
| Recording Date | Oct 16, 2018 |
| Property Address | 964 CARDINAL CIR, FLORENCE, SC 29505-3014 |
| Document Number | 0000013965 |
| Book / Page | 000767 / 001285 |
| Instrument Date | Oct 9, 2018 |
| Instrument | 13965 |
| Transaction Type | Transfer |
| Record Updated | Nov 1, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $743.70 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 964 CARDINAL CIR FLORENCE SC 295053014, FLORENCE, SC 29505-3014 |
| Document Number | 13966 |
|---|---|
| Date | Oct 16, 2018 |
| Book Page | 000767/001289 |
| Instrument | 13966 |
| Name | FINANCE OF AMERICA MTG |
|---|---|
| Address | HORSHAM, PA 19044 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 15, 2048 |
The 2025 property tax bill for 964 Cardinal Cir was $1,178.
Source: Florence County assessment roll, as of March 5, 2026
| Type | Name |
|---|---|
| State | South Carolina |
| County | Florence County |
| Municipality | Florence City |
| Unified School District | Florence School District 1 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,178.00 | $10,944 Land $1,200 Building $9,744 | $273,618 Land $30,000 Building $243,618 |
| 2023 | $909.00 Homeowner's exemption | $8,027,150 (+99,901.87%) Land $1,200,000 Building $6,827,150 | $20,067,877 (+9,899.99%) Land $3,000,000 Building $17,067,877 |
| 2022 | $909.00 Homeowner's exemption | $8,027 Land $1,200 Building $6,827 | $200,679 Land $30,000 Building $170,679 |
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 964 Cardinal Cir in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2016.
Source: FEMA National Flood Hazard Layer, effective March 25, 2025 · 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 |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 7 in force |
| Nearby Flood Claims | 3 (2016–2018) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Jul 2018 · rainfall accumulation |
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 964 Cardinal Cir 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 93% of the US · lower than 98% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
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 | CITY OF FLORENCE serves 79,745 people · EPA ID SC2110001 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Apr 2024 |
| Lead | 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | Turbidity resolved · Jan 2018 |
|---|---|
| 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 286 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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