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4354 Cotton Flat Rd, Summerville, SC 29485 Property Records

Dorchester County property record for 4354 Cotton Flat Rd, Summerville, SC 29485

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 3,341 sqft · built 2023
Lot Size0.219 acres (9,583 sqft)
OwnerIndividual Name on Record
Last Sale$520,000 (Dec 2023)
Tax Bill$5,042 (2025)
Deeds & MortgagesDec 2023 Sale & Mortgage
Mar 2023 Sale
Flood ZoneZone X (minimal risk)
APN170-11-01-029

Property Details

APN / Parcel Number

Primary APN170-11-01-029
Alternative APN
  • R0085031

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories2 Stories
Building Area3,341 sqft Living Area
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2023
Roof MaterialComposition Shingle
Lot Area9,583 sqft (0.219 acres)

Utilities, Heating & Cooling

Heating SystemHeat Pump

Location & Zoning

Account NumberR0085031
Street Address4354 COTTON FLAT RD
CitySUMMERVILLE
StateSC
Zip29485-9313
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePDD_NC
Legal DescriptionLOT 149 SUBD: WATSON HILL PH 2
Legal SubdivisionWATSON HILL
Legal Phase2
Legal Lot Number149
JurisdictionDORCHESTER SC
Township / Civil DivisionSUMMERVILLE
Census Block Group2
Census Block2009
Census Tract10801

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Listed AreaWithin 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 24, 2025

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

Owner of RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address4354 COTTON FLAT RD, SUMMERVILLE, SC 29485-9313
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 18, 2023Limited Warranty Deed, Transfer · VA Mortgage
VELOCIO MORTGAGE LLC
Mar 31, 2023Limited Warranty Deed, Transfer

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 18, 2023 · Amount on Record
Deed SaleDec 18, 2023 · Amount on Record
Prior SaleMar 31, 2023 · Amount on Record
Deed Document Number2023025233
Deed Book / Page15059 / 127
Record UpdatedJun 8, 2026

December 2023: Limited Warranty Deed, Transfer

Document TypeLimited Warranty Deed
JurisdictionDORCHESTER SC
Recording DateDec 18, 2023
Property Address4354 COTTON FLAT RD, SUMMERVILLE, SC 29485-9313
Document Number0150590127
Book / Page15059 / 127
Map ReferenceMB N PG 73
Instrument DateDec 5, 2023
Instrument2023025233
Transaction TypeTransfer
Record UpdatedOct 31, 2025
Title CompanyWEEKS AND IRVINE LLC, WEEKS & IRVINE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,352.00
Amount AccuracyVerified / From Affidavit
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address4354 COTTON FLAT RD, SUMMERVILLE, SC 29485-9313

Mortgage

Document Number2023025234
DateDec 18, 2023
Instrument2023025234
Lender
NameVELOCIO MORTGAGE LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueJan 1, 2054

March 2023: Limited Warranty Deed, Transfer

Document TypeLimited Warranty Deed
JurisdictionDORCHESTER SC
Recording DateMar 31, 2023
Property Address4354 COTTON FLAT RD, SUMMERVILLE, SC 29485-9313
Document Number0146570268
Book / Page14657 / 268
Map ReferenceCAB N PG 73
Instrument DateMar 31, 2023
Instrument2023006086
Transaction TypeTransfer
Record UpdatedOct 31, 2025

Transaction

AmountAmount Recorded
Tax$4,556.50
Amount AccuracyVerified / From Affidavit
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address877 ISLAND PARK DR # 200, 200, DANIEL ISLAND, SC 29492-8994
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: Dorchester County assessment roll, as of September 13, 2025

Property Jurisdictions

TypeName
StateSouth Carolina
CountyDorchester County
MunicipalityNorth Charleston City
Unified School DistrictDorchester School District 2 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,042.00 (-1.41%)$20,709 (+202.76%) Land $4,560 Building $16,149$517,733 (+354.15%) Land $114,000 Building $403,733
2024$5,114.00 (+71.15%)
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.

Flood

Source: FEMA National Flood Hazard Layer, effective September 9, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 76 policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies76 in force
Nearby Flood Claims14 (1989–2024)
Claims Outside the SFHA3 of 14
Most Recent ClaimAug 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 RiskModerate
above 56% of the US · above 70% of South Carolina
Wildfire Likelihood0.1% annual chance
ExposureDirect
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

ProviderMax 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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