1220 Decoy Ct, Mount Pleasant, SC 29464 Property Records

Charleston County property record for 1220 Decoy Ct, Mount Pleasant, SC 29464

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,237 sqft · built 1986
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on File
Last Sale	$138,000 (Oct 2002)
Tax Bill	$1,045 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Apr 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`560-01-00-062`

Property Details

APN / Parcel Number

Primary APN	`560-01-00-062`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,237 sqft Living Area
1st Floor Area	1,237 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Ranch
Exterior Material	Wood Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	120 ft deep x 79 ft wide

Exterior Amenities

Porch	Slab
Porch Area	51 sqft
Patio Area	112 sqft
Shed	1 Shed
Shed Area	194 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	1220 DECOY CT
City	MOUNT PLEASANT
State	SC
Zip	29464-4277
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION NAME -MALLARD LAKES DESCRIPTION -LOT 10 BLK A PHASE II
Legal Subdivision	MALLARD LAKES
Legal Phase	2
Legal Block	A
Legal Lot Number	10
Jurisdiction	CHARLESTON SC
Township / Civil Division	MOUNT PLEASANT
Census Block Group	3
Census Block	3000
Census Tract	4619

Owner

1220 Decoy Ct is owned and occupied by two individuals who bought it in October 2002.

Source: Charleston County records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1220 DECOY CT, MOUNT PLEASANT, SC 29464-4277
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
Jun 15, 2026	Deed of Trust, Mortgage · Line of Credit TD BANK
Apr 27, 2026	Deed of Trust, Mortgage · Conventional Mortgage TD BANK
Sep 20, 2023	Deed of Trust, Mortgage · Line of Credit TD BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2002 · Amount on File
Deed Sale	Oct 1, 2002 · Amount on File
Prior Sale	Feb 22, 2000 · Amount on File
Deed Book / Page	420 / 576
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Recording Date	Jun 15, 2026
Property Address	1220 DECOY CT, MOUNT PLEASANT, SC 29464-4277
Document Number	0013960224
Book / Page	1396 / 224
Instrument Date	Jun 6, 2026
Instrument	202637312
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1220 DECOY CT, MOUNT PLEASANT, SC 29464-4277

Mortgage

Document Number	0000037312,
Date	Jun 15, 2026
Book Page	1396/224
Instrument	202637312

Lender

Name	TD BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 11, 2056

Interest

Rate	6.37%
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Recording Date	Apr 27, 2026
Property Address	1220 DECOY CT, MOUNT PLEASANT, SC 29464-4277
Document Number	1384000791
Book / Page	1384 / 791
Instrument Date	Apr 7, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1220 DECOY CT, MOUNT PLEASANT, SC 29464-4277

Mortgage

Document Number	1384000791,
Date	Apr 27, 2026
Book Page	1384/791

Lender

Name	TD BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	1220 DECOY CT, MOUNT PLEASANT, SC 29464-4277
Transaction Type	Mortgage
Record Updated	Nov 1, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012040051
Date	Sep 20, 2023
Book Page	1204/51

Lender

Name	TD BANK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Aug 24, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 1220 Decoy Ct was $1,045, up 10.8% from the year before.

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	$1,045.00 (+10.82%)	$236,497 (+2,777.09%) Land $67,593 Building $168,904	$499,700 Land $256,100 Building $243,600
2024	$943.00	$8,220
2022	$838.00	$8,220	$303,700 Land $86,800 Building $216,900
2020			$303,700 Land $86,800 Building $216,900

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

FEMA maps place 1220 Decoy Ct in Zone X, an area of minimal flood risk.

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 File median of 78 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	140 units insured incl. 62 condo units

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 1220 Decoy Ct is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 96% of South Carolina
Wildfire Likelihood	0.02% 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	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 402 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile, WOW Internet, Cable & Phone.

Cell Coverage

5G (outdoors only) and 4G LTE

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