Dorchester County property record for 4359 Cotton Flat Rd, Summerville, SC 29485
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,969 sqft · built 2024 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $13,003 (2025) |
| Deeds & Mortgages | Mar 2024 Mortgage Mar 2024 Transfer + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 170-11-03-023 |
| Primary APN | 170-11-03-023 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,969 sqft Living Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Roof Material | Composition Shingle |
| Lot Area | 8,276 sqft (0.19 acres) |
| Heating System | Heat Pump |
|---|
| Account Number | R0085048 |
|---|---|
| Street Address | 4359 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 166 SUBD: WATSON HILL PH 2 |
| Legal Subdivision | WATSON HILL |
| Legal Phase | 2 |
| Legal Lot Number | 166 |
| 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.
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4359 COTTON FLAT RD, SUMMERVILLE, SC 29485-9313 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 11, 2024 | Deed of Trust, Mortgage · FHA Mortgage VELOCIO MORTGAGE LLC |
| Mar 11, 2024 | Correction Deed WEEKS AND IRVINE LLC, WEEKS & IRVINE LLC |
| Feb 1, 2024 | Limited Warranty Deed, Transfer · FHA Mortgage VELOCIO MORTGAGE LLC |
| Jun 29, 2023 | Limited Warranty Deed, Transfer |
| Sep 1, 2022 | Limited Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Feb 9, 2024 |
| Transfer Doc | 0151790264 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DORCHESTER SC |
| Property Address | 4359 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 | 1613 JUNIPER ST, CHARLESTON, SC 29407-5810 |
| Document Number | 0151800162 |
|---|---|
| Date | Mar 11, 2024 |
| Book Page | 15180/162 |
| Instrument | 2024004635 |
| Name | VELOCIO MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | HOUSTON, TX 77027 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Feb 1, 2054 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | DORCHESTER SC |
| Recording Date | Mar 11, 2024 |
| Property Address | 4359 COTTON FLAT RD, SUMMERVILLE, SC 29485-9313 |
| Document Number | 0151790264 |
| Book / Page | 15179 / 264 |
| Map Reference | MB N PG 73 |
| Instrument Date | Feb 9, 2024 |
| Instrument | 2024004609 |
| Record Updated | Oct 31, 2025 |
| Title Company | WEEKS AND IRVINE LLC, WEEKS & IRVINE LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4359 COTTON FLAT RD, SUMMERVILLE, SC 29485-9313 |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | DORCHESTER SC |
| Recording Date | Feb 1, 2024 |
| Property Address | 4359 COTTON FLAT RD, SUMMERVILLE, SC 29485-9313 |
| Document Number | 0151170235 |
| Book / Page | 15117 / 235 |
| Map Reference | MB N PG 73 |
| Instrument Date | Jan 18, 2024 |
| Instrument | 2024001848 |
| Transaction Type | Transfer |
| Record Updated | Oct 31, 2025 |
| Title Company | WEEKS AND IRVINE LLC, WEEKS & IRVINE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,296.10 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4359 COTTON FLAT RD, SUMMERVILLE, SC 29485-9313 |
| Document Number | 2024001849 |
|---|---|
| Date | Feb 1, 2024 |
| Instrument | 2024001849 |
| Name | VELOCIO MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2054 |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | DORCHESTER SC |
| Recording Date | Jun 29, 2023 |
| Property Address | 4359 COTTON FLAT RD, SUMMERVILLE, SC 29485-9313 |
| Document Number | 0148030067 |
| Book / Page | 14803 / 67 |
| Map Reference | MB N PG 29-29 |
| Instrument Date | Jun 27, 2023 |
| Instrument | 2023013126 |
| Transaction Type | Transfer |
| Record Updated | Oct 31, 2025 |
| Amount | Amount Recorded |
|---|---|
| Tax | $5,315.70 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 877 ISLAND PARK DR # 200, 200, DANIEL ISLAND, SC 29492-8994 |
| Investor | Possibly a Property Investor |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | DORCHESTER SC |
| Recording Date | Sep 1, 2022 |
| Property Address | 4359 COTTON FLAT RD, SUMMERVILLE, SC 29485-9313 |
| Document Number | 0143600073 |
| Book / Page | 14360 / 73 |
| Map Reference | CAB N PG 73 |
| Instrument Date | Aug 30, 2022 |
| Instrument | 2022022918 |
| Transaction Type | Transfer |
| Record Updated | Oct 31, 2025 |
| Amount | Amount Recorded |
|---|---|
| Tax | $6,828.90 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 877 ISLAND PARK DR # 200, 200, DANIEL ISLAND, SC 29492-8994 |
| Investor | Possibly a Property Investor |
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 | $13,003.00 (+334.59%) | $29,805 (+335.75%) Land $6,840 Building $22,965 | $496,749 (+335.74%) Land $114,000 Building $382,749 |
| 2024 | $2,992.00 (+0.13%) | ||
| 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.
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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 60% of the US · above 79% 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 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 |
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