4346 Cotton Flat Rd, Summerville, SC 29485 Property Records

Dorchester County property record for 4346 Cotton Flat Rd, Summerville, SC 29485

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,476 sqft · built 2024
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Tax Bill	$4,249 (2025)
Deeds & Mortgages	Apr 2025 Mortgage Mar 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`170-11-01-025`

Property Details

APN / Parcel Number

Primary APN	`170-11-01-025`
Alternative APN	`R0085027`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,476 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Roof Material	Composition Shingle
Lot Area	7,841 sqft (0.18 acres)

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	R0085027
Street Address	4346 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 145 SUBD: WATSON HILL PH 2
Legal Subdivision	WATSON HILL
Legal Phase	2
Legal Lot Number	145
Jurisdiction	DORCHESTER SC
Township / Civil Division	SUMMERVILLE
Census Block Group	2
Census Block	2009
Census Tract	10801

Historic Designation

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.

Owner

Source: Dorchester County records, as of November 25, 2025

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

Owner of Record	Individual Name on Record
Mailing Address	4346 COTTON FLAT RD, SUMMERVILLE, SC 29485-9313
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2025	Deed of Trust, Mortgage · FHA Mortgage LOWER LLC
Mar 22, 2024	Limited Warranty Deed, Transfer · FHA Mortgage VELOCIO MORTGAGE LLC
Jun 29, 2023	Limited Warranty Deed, Transfer
Mar 31, 2023	Limited Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 10, 2025
Deed Sale	Apr 10, 2025
Prior Sale	Mar 22, 2024 · Amount on Record
Deed Document Number	20257111
Deed Book / Page	15828 / 164
Prior Transfer Date	Feb 26, 2025
Prior Transfer Doc	0000007111
Record Updated	Sep 20, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER SC
Property Address	4346 COTTON FLAT RD, SUMMERVILLE, SC 29485-9313
Transaction Type	Mortgage
Record Updated	Oct 31, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4346 COTTON FLAT RD, SUMMERVILLE, SC 29485-9313

Mortgage

Document Number	0158280169
Date	Apr 10, 2025
Book Page	15828/169
Instrument	2025007112

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21044

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2055

March 2024: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	DORCHESTER SC
Recording Date	Mar 22, 2024
Property Address	4346 COTTON FLAT RD, SUMMERVILLE, SC 29485-9313
Document Number	0151990346
Book / Page	15199 / 346
Map Reference	MB N PG 73
Instrument Date	Mar 5, 2024
Instrument	2024005547
Transaction Type	Transfer
Record Updated	Oct 31, 2025
Title Company	WEEKS AND IRVINE LLC, WEEKS & IRVINE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,131.00
Amount Accuracy	Verified / From Affidavit
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	4346 COTTON FLAT RD, SUMMERVILLE, SC 29485-9313

Mortgage

Document Number	2024005548
Date	Mar 22, 2024
Instrument	2024005548

Lender

Name	VELOCIO MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

June 2023: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	DORCHESTER SC
Recording Date	Jun 29, 2023
Property Address	4346 COTTON FLAT RD, SUMMERVILLE, SC 29485-9313
Document Number	0148030078
Book / Page	14803 / 78
Map Reference	CAB O PG 185
Instrument Date	Jun 7, 2023
Instrument	2023013127
Transaction Type	Transfer
Record Updated	Oct 31, 2025

Transaction

Amount	Amount Recorded
Tax	$8,149.70
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	877 ISLAND PARK DR # 200, 200, DANIEL ISLAND, SC 29492-8994
Investor	Possibly a Property Investor

March 2023: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	DORCHESTER SC
Recording Date	Mar 31, 2023
Property Address	4346 COTTON FLAT RD, SUMMERVILLE, SC 29485-9313
Document Number	0146570268
Book / Page	14657 / 268
Map Reference	CAB N PG 73
Instrument Date	Mar 31, 2023
Instrument	2023006086
Transaction Type	Transfer
Record Updated	Oct 31, 2025

Transaction

Amount	Amount Recorded
Tax	$4,556.50
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	877 ISLAND PARK DR # 200, 200, DANIEL ISLAND, SC 29492-8994
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Dorchester County assessment roll, as of October 31, 2025

Property Jurisdictions

Type	Name
State	South Carolina
County	Dorchester County
Municipality	North Charleston City
Unified School District	Dorchester School District 2 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,249.00 (+265.35%)	$17,355 (+153.73%) Land $4,560 Building $12,795	$433,863 (+280.58%) Land $114,000 Building $319,863
2024	$1,163.00 (-61.08%)
2023	$2,988.00	$6,840 Land $6,840	$114,000 Land $114,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 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	Tropical Storm Debby, Aug 2024 · 2 claims Hurricane Matthew, Oct 2016 · 3 claims Severe Storms And Flooding, Oct 2015 · 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	Moderate above 56% of the US · above 70% of South Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 119 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Home Telecom Fiber	5,000 / 5,000
AT&T Fiber	5,000 / 5,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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