500 Spelltown Rd, Cottageville, SC 29435 Property Records

Colleton County property record for 500 Spelltown Rd, Cottageville, SC 29435

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,527 sqft · built 1970
Lot Size	1.4 acres (60,984 sqft)
Owner	Individual Name on File
Last Sale	$130,500 (Apr 2023)
Tax Bill	$781 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Oct 2023 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`137-00-00-118.000`

Property Details

APN / Parcel Number

Primary APN	`137-00-00-118.000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,527 sqft Living Area
1st Floor Area	1,527 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 2005
Exterior Material	Wood
Lot Area	60,984 sqft (1.4 acres)
Porch	Slab
Utility Building	30 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	500 SPELLTOWN RD
City	COTTAGEVILLE
State	SC
Zip	29435-3516
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	UD
Legal Description	OPP INT S-408 SPELLTOWN RD & S-372 WHITES AVE
Legal Subdivision	COTTAGEVILLE SCHOOL DISTRICT
Jurisdiction	COLLETON SC
Township / Civil Division	COTTAGEVILLE
Census Block Group	2
Census Block	2015
Census Tract	970701

Owner

500 Spelltown Rd is owned and occupied by an individual who bought it in April 2023.

Source: Colleton County records, as of April 7, 2026

Owner of Record	Individual Name on File
Mailing Address	500 SPELLTOWN RD, COTTAGEVILLE, SC 29435-3516
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
Mar 23, 2026	Deed of Trust, Mortgage · Conventional Mortgage BAYER HERITAGE FCU
Oct 20, 2023	Deed of Trust, Mortgage · Conventional Mortgage BAYER HERITAGE FCU
May 30, 2023	Deed of Trust, Mortgage · Line of Credit BAYER HERITAGE FCU
Apr 3, 2023	Warranty Deed, Transfer
Mar 22, 2022	Intrafamily Transfer, Transfer
Mar 1, 2019	Quit Claim Deed, Transfer · Conventional Mortgage MR COOPER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 3, 2023 · Amount on File
Deed Sale	Apr 3, 2023 · Amount on File
Prior Sale	Sep 27, 2007 · Amount on File
Deed Document Number	20231890
Deed Book / Page	3195 / 189
Prior Transfer Date	Feb 20, 2019
Prior Transfer Doc	0027200084
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLETON SC
Property Address	500 SPELLTOWN RD, COTTAGEVILLE, SC 29435-3516
Transaction Type	Mortgage
Record Updated	Apr 2, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	500 SPELLTOWN RD, COTTAGEVILLE, SC 29435-3516

Mortgage

Document Number	0035550231
Date	Mar 23, 2026
Book Page	3555/231
Instrument	2026001652

Lender

Name	BAYER HERITAGE FCU
Type	Credit Union
Address	788 N STATE ROUTE 2, NEW MARTINSVILLE, WV 26155

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

Interest

Rate	5.37%
Type Change Date	Apr 1, 2031
Change Frequency	Annually
Min Rate At Change	4.37%
Max Rate At Change	6.37%
Index	1-Year CMT
Margin	3
Max Rate	10.3%

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLETON SC
Property Address	500 SPELLTOWN RD, COTTAGEVILLE, SC 29435-3516
Transaction Type	Mortgage
Record Updated	Nov 1, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	500 SPELLTOWN RD, COTTAGEVILLE, SC 29435-3516

Mortgage

Document Number	0032550268
Date	Oct 20, 2023
Book Page	3255/268
Instrument	2023005587

Lender

Name	BAYER HERITAGE FCU
Type	Credit Union
Address	NEW MARTINSVILLE, WV 26155

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2038

Interest

Change Frequency	10 Years

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLETON SC
Property Address	500 SPELLTOWN RD, COTTAGEVILLE, SC 29435-3516
Transaction Type	Mortgage
Record Updated	Jun 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032100317
Date	May 30, 2023
Book Page	3210/317
Instrument	2023002869

Lender

Name	BAYER HERITAGE FCU
Type	Credit Union
Address	NEW MARTINSVILLE, WV 26155

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	May 16, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLETON SC
Recording Date	Apr 3, 2023
Property Address	500 SPELLTOWN RD, COTTAGEVILLE, SC 29435-3516
Document Number	0031950189
Book / Page	3195 / 189
Map Reference	MB 3079 PG 153
Instrument Date	Mar 28, 2023
Instrument	2023001890
Transaction Type	Transfer
Record Updated	Apr 12, 2023

Transaction

Amount	Amount on Record
Tax	$339.30
Amount Accuracy	Verified / From Affidavit
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	500 SPELLTOWN RD, COTTAGEVILLE, SC 29435-3516

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	COLLETON SC
Recording Date	Mar 22, 2022
Property Address	500 SPELLTOWN RD, COTTAGEVILLE, SC 29435-3516
Document Number	0030790153
Book / Page	3079 / 153
Instrument Date	Mar 17, 2022
Instrument	2022001704
Transaction Type	Transfer
Record Updated	Aug 30, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8714 TRIANGLE RD, CLINTON, MD 20735-2539

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	COLLETON SC
Recording Date	Mar 1, 2019
Property Address	500 SPELLTOWN RD, COTTAGEVILLE, SC 29435-3516
Document Number	0027200084
Book / Page	002720 / 000084
Instrument Date	Feb 20, 2019
Instrument	1270
Transaction Type	Transfer
Record Updated	Mar 11, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	500 SPELLTOWN RD COTTAGEVILLE SC 294353516, COTTAGEVILLE, SC 29435-3516

Mortgage

Document Number	1271
Date	Mar 1, 2019
Instrument	1271

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 28, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 500 Spelltown Rd was $781, up 5.4% from the year before.

Source: Colleton County assessment roll, as of April 7, 2026

Property Jurisdictions

Type	Name
State	South Carolina
County	Colleton County
Unified School District	Colleton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$781.00 (+5.4%)	$125,400 (-) Land $30,000 Building $95,400	$125,400 Land $30,000 Building $95,400
2024	$741.00	$125,400 (-) Land $30,000 Building $95,400
2023		$125,400 (+112.54%) Land $30,000 Building $95,400	$125,400 (-) Land $30,000 Building $95,400
2022	$585.00	$59,000 Land $14,000 Building $45,000	$125,400 Land $30,000 Building $95,400
2021	$585.00

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 500 Spelltown Rd in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 2013.

Source: FEMA National Flood Hazard Layer, effective February 13, 2024 · 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 13 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	12 (2013–2024)
Most Recent Claim	Nov 2024 · rainfall accumulation
Claims by Event	Tropical Storm Debby, Aug 2024 · 5 claims Severe Storms And Flooding, Oct 2015 · 2 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

Wildfire risk around 500 Spelltown Rd is moderate, ranking above 69% 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 69% of the US · above 90% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Palmetto Telephone Communications Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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