Dorchester County property record for 4330 Cotton Flat Rd, Summerville, SC 29485
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,342 sqft · built 2023 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Individual Name on File |
| Last Sale | $413,990 (Mar 2024) |
| Tax Bill | $3,452 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit Jun 2024 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 170-11-01-017 |
| Primary APN | 170-11-01-017 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,342 sqft Living Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Roof Material | Composition Shingle |
| Lot Area | 7,841 sqft (0.18 acres) |
| Heating System | Heat Pump |
|---|
| Account Number | R0085019 |
|---|---|
| Street Address | 4330 COTTON FLAT RD |
| City | SUMMERVILLE |
| State | SC |
| Zip | 29485-9313 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PDD_NC |
| Legal Description | LOT 137 SUBD: WATSON HILL PH 2 |
| Legal Subdivision | WATSON HILL |
| Legal Phase | 2 |
| Legal Lot Number | 137 |
| Jurisdiction | DORCHESTER SC |
| Township / Civil Division | SUMMERVILLE |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 10801 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Listed Area | Within Ashley River Road listed 1983 · 1 contributing resources · NRIS 83003831 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
4330 Cotton Flat Rd is owned and occupied by an individual who bought it in March 2024.
Source: Dorchester County records, as of April 8, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4330 COTTON FLAT RD, SUMMERVILLE, SC 29485-9313 |
| 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 |
|---|---|
| Apr 1, 2026 | Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK |
| Jun 26, 2024 | Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK |
| Mar 20, 2024 | Limited Warranty Deed, Transfer · Conventional Mortgage VELOCIO MORTGAGE LLC |
| Mar 1, 2023 | Limited Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 20, 2024 · Amount on File |
| Deed Sale | Mar 20, 2024 · Amount on File |
| Deed Document Number | 20245261 |
| Deed Book / Page | 15194 / 79 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DORCHESTER SC |
| Recording Date | Apr 1, 2026 |
| Property Address | 4330 COTTON FLAT RD, SUMMERVILLE, SC 29485-9313 |
| Document Number | 0000007385 |
| Book / Page | 16501 / 314 |
| Instrument Date | Mar 25, 2026 |
| Instrument | 20267385 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 4330 COTTON FLAT RD, SUMMERVILLE, SC 29485-9313 |
| Document Number | 0000007385, |
|---|---|
| Date | Apr 1, 2026 |
| Book Page | 16501/314 |
| Instrument | 20267385 |
| Name | UNITED COMMUNITY BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Mar 29, 2051 |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DORCHESTER SC |
| Property Address | 4330 COTTON FLAT RD, SUMMERVILLE, SC 29485-9313 |
| Transaction Type | Mortgage |
| Record Updated | Oct 31, 2025 |
| Title Company | WEEKS AND IRVINE LLC, WEEKS & IRVINE LLC |
| Name | Verified Name |
|---|---|
| Address | 4330 COTTON FLAT RD, SUMMERVILLE, SC 29485-9313 |
| Document Number | 0153650291 |
|---|---|
| Date | Jun 26, 2024 |
| Book Page | 15365/291 |
| Instrument | 2024012950 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | BLAIRSVILLE, GA 30514 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jul 1, 2039 |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | DORCHESTER SC |
| Recording Date | Mar 20, 2024 |
| Property Address | 4330 COTTON FLAT RD, SUMMERVILLE, SC 29485-9313 |
| Document Number | 0151940079 |
| Book / Page | 15194 / 79 |
| Map Reference | MB N PG 73 |
| Instrument Date | Mar 5, 2024 |
| Instrument | 2024005261 |
| Transaction Type | Transfer |
| Record Updated | Oct 31, 2025 |
| Title Company | WEEKS AND IRVINE LLC, WEEKS & IRVINE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,076.40 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4330 COTTON FLAT RD, SUMMERVILLE, SC 29485-9313 |
| Document Number | 2024005262 |
|---|---|
| Date | Mar 20, 2024 |
| Instrument | 2024005262 |
| Name | VELOCIO MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | DORCHESTER SC |
| Recording Date | Mar 1, 2023 |
| Property Address | 4330 COTTON FLAT RD, SUMMERVILLE, SC 29485-9313 |
| Document Number | 0146080344 |
| Book / Page | 14608 / 344 |
| Map Reference | CAB N PG 73 |
| Instrument Date | Mar 1, 2023 |
| Instrument | 2023003802 |
| Transaction Type | Transfer |
| Record Updated | Oct 31, 2025 |
| Amount | Amount on Record |
|---|---|
| Tax | $4,556.50 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 877 ISLAND PARK DR, DANIEL ISLAND, SC 29492-8983 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 4330 Cotton Flat Rd was $3,452, down 13.3% from the year before.
Source: Dorchester County assessment roll, as of October 31, 2025
| Type | Name |
|---|---|
| State | South Carolina |
| County | Dorchester County |
| Municipality | North Charleston City |
| Unified School District | Dorchester School District 2 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,452.00 (-13.27%) | $15,967 Land $4,560 Building $11,407 | $399,178 Land $114,000 Building $285,178 |
| 2024 | $3,980.00 (+33.2%) | ||
| 2023 | $2,988.00 | $6,840 Land $6,840 | $114,000 Land $114,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 4330 Cotton Flat Rd in Zone X, an area of minimal flood risk, though there have been 14 flood claims nearby since 1989.
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 76 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 76 in force |
| Nearby Flood Claims | 14 (1989–2024) |
| Claims Outside the SFHA | 3 of 14 |
| Most Recent Claim | Aug 2024 · Tropical Storm Debby |
| Claims by Event |
|
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 4330 Cotton Flat Rd is moderate, ranking above 59% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 59% of the US · above 78% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 45 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Home Telecom Fiber | 5,000 / 5,000 |
| Verizon Fixed Wireless | 300 / 20 |
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