1091 Cottingham Dr, Mount Pleasant, SC 29464 Property Records

Charleston County property record for 1091 Cottingham Dr, Mount Pleasant, SC 29464

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,110 sqft · built 1967
Lot Size	0.6 acres (26,136 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,350,000 (Apr 2020)
Tax Bill	$5,747 (2025)
Deeds & Mortgages	Sep 2024 Line of Credit Apr 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`517-12-00-027`

Property Details

APN / Parcel Number

Primary APN	`517-12-00-027`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,110 sqft Living Area
Gross Area	3,534 sqft
1st Floor Area	1,903 sqft
Upper Floors Area	1,207 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Asphalt
Lot Area	26,136 sqft (0.6 acres)
Lot Dimensions	200 ft deep x 130 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	92 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	1091 COTTINGHAM DR
City	MOUNT PLEASANT
State	SC
Zip	29464-3551
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION NAME -COOPER ESTATES DESCRIPTION -LT 2 BLK B AND TRI LT MARSH
Legal Subdivision	COOPER ESTATES
Legal Block	B
Legal Lot Number	2
Jurisdiction	CHARLESTON SC
Township / Civil Division	MOUNT PLEASANT
Census Block Group	2
Census Block	2016
Census Tract	4607

Owner

Source: Charleston County records, as of November 18, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1091 COTTINGHAM DR, MOUNT PLEASANT, SC 29464-3551
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 5, 2024	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Apr 22, 2020	Grant Deed, Transfer BANK OF AMERICA
Nov 19, 2018	Grant Deed, Construction Loan · Construction Mortgage BANK OF SC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 22, 2020 · Amount on Record
Deed Sale	Apr 22, 2020 · Amount on Record
Prior Sale	Nov 19, 2018 · Amount on Record
Deed Book / Page	875 / 695
Prior Transfer Date	Nov 5, 2002
Prior Transfer Doc	H425/0242
Record Updated	Jun 8, 2026

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	1091 COTTINGHAM DR, MOUNT PLEASANT, SC 29464-3551
Transaction Type	Mortgage
Record Updated	Jan 23, 2026
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012660339
Date	Sep 5, 2024
Book Page	1266/339

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Aug 26, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLESTON SC
Recording Date	Apr 22, 2020
Property Address	1091 COTTINGHAM DR, MOUNT PLEASANT, SC 29464-3551
Document Number	0875/0695
Book / Page	000875 / 000695
Instrument Date	Apr 14, 2020
Transaction Type	Transfer
Record Updated	May 28, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,350.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1091 COTTINGHAM DR MOUNT PLEASANT SC 294643551, MOUNT PLEASANT, SC 29464-3551

Mortgage

Document Number	875/0697
Date	Apr 22, 2020
Book Page	000875/000697

Lender

Name	BANK OF AMERICA
Type	Bank
Address	101 S TRYON ST, CHARLOTTE, NC 28280-0002

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 21, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.75%

November 2018: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	CHARLESTON SC
Recording Date	Nov 19, 2018
Property Address	1091 COTTINGHAM DR, MOUNT PLEASANT, SC 29464-3551
Document Number	0761/0231
Book / Page	000761 / 000231
Instrument Date	Nov 16, 2018
Transaction Type	Construction Loan
Record Updated	Dec 13, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$821.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 1389 COLUMBIA SC 292021389, COLUMBIA, SC 29202-1389

Mortgage

Document Number	761/0235
Date	Nov 19, 2018
Book Page	000761/000235

Lender

Name	BANK OF SC
Type	Bank
Address	CHARLESTON, SC 29401

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Nov 18, 2019

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	$5,747.00 (+13%)
2024	$5,086.00 (+7.1%)	$54,000 (-)
2022	$4,749.00	$54,000	$1,350,000 (-) Land $604,606 Building $745,394
2020			$1,350,000 Land $604,606 Building $745,394

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 69 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	69 in force
Nearby Flood Claims	16 (1979–2018)
Claims Outside the SFHA	11 of 16
Most Recent Claim	Dec 2018 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Oct 2015 · 2 claims Hurricane Hugo, Sep 1989 · 5 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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