1086 Cottingham Dr, Mount Pleasant, SC 29464 Property Records

Charleston County property record for 1086 Cottingham Dr, Mount Pleasant, SC 29464

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,420 sqft · built 1966
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Last Sale	$475,000 (Nov 2016)
Tax Bill	$3,133 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Aug 2019 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`517-12-00-019`

Property Details

APN / Parcel Number

Primary APN	`517-12-00-019`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,420 sqft Living Area
1st Floor Area	2,420 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Ranch
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Asphalt
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	130 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	195 sqft
Deck Area	230 sqft
Patio Area	336 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Street Address	1086 COTTINGHAM DR
City	MOUNT PLEASANT
State	SC
Zip	29464-3583
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION NAME -COOPER ESTATES DESCRIPTION -LT 2 BLK F
Legal Subdivision	COOPER ESTATES
Legal Block	F
Legal Lot Number	2
Jurisdiction	CHARLESTON SC
Township / Civil Division	MOUNT PLEASANT
Census Block Group	3
Census Block	3008
Census Tract	4607

Owner

Source: Charleston County records, as of September 23, 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 Record
Mailing Address	1086 COTTINGHAM DR, MOUNT PLEASANT, SC 29464-3583
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage COGENT BANK
Aug 7, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Aug 15, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF NC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 8, 2016 · Amount on Record
Deed Sale	Nov 8, 2016 · Amount on Record
Deed Book / Page	595 / 903
Last Transfer Date	Jul 29, 2019
Transfer Doc	0814/0541
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	1086 COTTINGHAM DR, MOUNT PLEASANT, SC 29464-3583
Transaction Type	Mortgage
Record Updated	Aug 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	09830057
Date	Apr 20, 2021
Book Page	983/57

Lender

Name	COGENT BANK
Type	Bank
Address	NASHVILLE, TN 37201

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHARLESTON SC
Recording Date	Aug 7, 2019
Property Address	1086 COTTINGHAM DR, MOUNT PLEASANT, SC 29464-3583
Document Number	0814/0541
Book / Page	000814 / 000541
Instrument Date	Jul 29, 2019
Transaction Type	Transfer
Record Updated	Sep 23, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1086 COTTINGHAM DR MOUNT PLEASANT SC 294643583, MOUNT PLEASANT, SC 29464-3583

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	1086 COTTINGHAM DR, MOUNT PLEASANT, SC 29464-3583
Document Number	0661/0087
Book / Page	000661 / 000087
Instrument Date	Aug 15, 2017
Transaction Type	Mortgage
Record Updated	Sep 11, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1086 COTTINGHAM DR MOUNT PLEASANT SC 294643583, MOUNT PLEASANT, SC 29464-3583

Mortgage

Document Number	0661/0087
Date	Aug 22, 2017
Book Page	000661/000087

Lender

Name	BANK OF NC
Type	Bank
Address	THOMASVILLE, NC 27361-1148

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Aug 21, 2032

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Charleston County assessment roll, as of August 1, 2025

Property Jurisdictions

Type	Name
State	South Carolina
County	Charleston County
Municipality	Mount Pleasant Town
Unified School District	Charleston County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,133.00 (+12.62%)	$822,710 (+2,774.6%) Land $304,750 Building $517,960	$1,267,900 (+82.33%) Land $318,800 Building $949,100
2024	$2,782.00 (+10.93%)	$28,620 (+2.88%)
2022	$2,508.00	$27,820	$695,400 (-2.8%) Land $265,000 Building $430,400
2020			$715,400 Land $265,000 Building $450,400

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

Source: FEMA National Flood Hazard Layer, effective September 9, 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 Record median of 177 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	177 in force
Nearby Flood Claims	89 (1982–2025)
Claims Outside the SFHA	36 of 89
Most Recent Claim	Jun 2025 · rainfall accumulation
Claims by Event	Hurricane Matthew, Oct 2016 · 5 claims Severe Storms And Flooding, Oct 2015 · 4 claims Hurricane Hugo, Sep 1989 · 54 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

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

Wildfire Risk	Low lower than 95% of the US · lower than 98.6% of South Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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	MT PLEASANT WATERWORKS serves 91,500 people · EPA ID SC1010002
Water Source	Purchased surface water from CHARLESTON WATER SYSTEM
Last State Inspection	Dec 2022
Lead	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 314 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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