Florence County property record for 978 Cardinal Cir, Florence, SC 29505
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,588 sqft · built 1971 |
| Lot Size | 0.55 acres (23,864 sqft) |
| Owner | Individual Name on File |
| Last Sale | $310,000 (Jun 2021) |
| Tax Bill | $1,815 (2025) |
| Deeds & Mortgages | Jun 2021 Sale & Mortgage Sep 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01501-04-008 |
| Primary APN | 01501-04-008 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Total Rooms | 12 Rooms |
| Stories | 2 Stories |
| Building Area | 3,588 sqft Living Area |
| 1st Floor Area | 1,085 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| Architectural Style | Conventional |
| Exterior Material | Brick Veneer |
| Construction Type | Frame |
| Roof Type | Mansard |
| Roof Material | Shingle |
| Lot Area | 23,864 sqft (0.55 acres) |
| Garage Area | 504 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 381 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Street Address | 978 CARDINAL CIR |
|---|---|
| City | FLORENCE |
| State | SC |
| Zip | 29505-3014 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LT 8D HUNTINGTON PL |
| Legal Subdivision | HUNTINGTON PLACE SUBDIVISION |
| Legal Lot Number | 8D |
| Jurisdiction | FLORENCE SC |
| Township / Civil Division | FLORENCE |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 1400 |
978 Cardinal Cir is owned and occupied by an individual who bought it in June 2021.
Source: Florence County records, as of June 5, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 978 CARDINAL CIR, FLORENCE, SC 29505-3014 |
| 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 |
|---|---|
| Jun 8, 2021 | Warranty Deed, Transfer · Conventional Mortgage FIRST PALMETTO BANK |
| Sep 12, 2017 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN INTERNET MORTGAGE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 8, 2021 · Amount on File |
| Deed Sale | Jun 8, 2021 · Amount on File |
| Prior Sale | Oct 26, 2005 · Amount on File |
| Deed Book / Page | 927 / 519 |
| Prior Transfer Date | May 25, 2007 |
| Prior Transfer Doc | 0106000353 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLORENCE SC |
| Recording Date | Jun 8, 2021 |
| Property Address | 978 CARDINAL CIR, FLORENCE, SC 29505-3014 |
| Document Number | 0009270519 |
| Book / Page | 927 / 519 |
| Map Reference | MB W PG 115 |
| Instrument Date | Jun 7, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jun 23, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 978 CARDINAL CIR, FLORENCE, SC 29505-3014 |
| Document Number | 927524 |
|---|---|
| Date | Jun 8, 2021 |
| Instrument | 927/524 |
| Name | FIRST PALMETTO BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLORENCE SC |
| Property Address | 978 CARDINAL CIR, FLORENCE, SC 29505-3014 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0007100464 |
|---|---|
| Date | Sep 12, 2017 |
| Book Page | B710/0464 |
| Name | AMERICAN INTERNET MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92108 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Sep 1, 2032 |
The 2025 property tax bill for 978 Cardinal Cir was $1,815.
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 | $1,815.00 | $16,035 Land $1,200 Building $14,835 | $400,892 Land $30,000 Building $370,892 |
| 2023 | $1,370.00 (-79.07%) Additional exemption filed | $12,361,713 (+99,897.68%) Land $1,200,000 Building $11,161,713 | $30,904,284 (+9,899.99%) Land $3,000,000 Building $27,904,284 |
| 2022 | $6,547.00 Additional exemption filed | $12,362 Land $1,200 Building $11,162 | $309,043 Land $30,000 Building $279,043 |
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 978 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 978 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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