946 Cottingham Dr, Mount Pleasant, SC 29464 Property Records

Charleston County property record for 946 Cottingham Dr, Mount Pleasant, SC 29464

Property Summary

Property Type	Townhouse
Details	3 bd · 2 ba · 1,294 sqft · built 1972
Lot Size	0.07 acres (3,049 sqft)
Owner	2 Company Names on Record
Last Sale	$306,000 (Aug 2017)
Tax Bill	$1,286 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Feb 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`517-04-00-049`

Property Details

APN / Parcel Number

Primary APN	`517-04-00-049`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,294 sqft Living Area
1st Floor Area	643 sqft
Upper Floors Area	651 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Townhouse
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,049 sqft (0.07 acres)
Lot Dimensions	140 ft deep x 21 ft wide

Exterior Amenities

Porch	Porch
Porch Area	28 sqft
Shed	1 Shed
Shed Area	88 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	946 COTTINGHAM DR
City	MOUNT PLEASANT
State	SC
Zip	29464-3502
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	SUBDIVISION NAME -COOPER ESTATES DESCRIPTION -LT 8 BLK L
Legal Subdivision	COOPER ESTATES
Legal Block	L
Legal Lot Number	8
Jurisdiction	CHARLESTON SC
Township / Civil Division	MOUNT PLEASANT
Census Block Group	3
Census Block	3004
Census Tract	4607

Owner

Source: Charleston County records, as of September 28, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	946 COTTINGHAM DR, MOUNT PLEASANT, SC 29464-3502
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 22, 2022	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Feb 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
May 24, 2022	Intrafamily Transfer, Transfer
Dec 3, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Aug 1, 2017	Grant Deed, Transfer · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2017 · Amount on Record
Deed Sale	Aug 1, 2017 · Amount on Record
Prior Sale	Dec 13, 2016 · Amount on Record
Deed Book / Page	656 / 174
Last Transfer Date	May 3, 2021
Transfer Doc	0010570552
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	946 COTTINGHAM DR, MOUNT PLEASANT, SC 29464-3502
Transaction Type	Mortgage
Record Updated	Nov 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	946 COTTINGHAM DR, MOUNT PLEASANT, SC 29464-3502

Mortgage

Document Number	0011320466
Date	Aug 22, 2022
Book Page	1132/466

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 9, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	946 COTTINGHAM DR, MOUNT PLEASANT, SC 29464-3502
Transaction Type	Mortgage
Record Updated	May 26, 2022
Title Company	PUNCTUAL ABSTRACT COMPANY INC, PUNCTUAL ABSTRACT CO INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0010820775
Date	Feb 28, 2022
Book Page	1082/775

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2037

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHARLESTON SC
Recording Date	May 24, 2022
Property Address	946 COTTINGHAM DR, MOUNT PLEASANT, SC 29464-3502
Document Number	0011110773
Book / Page	1111 / 773
Map Reference	MB AA PG 70
Instrument Date	May 17, 2022
Transaction Type	Transfer
Record Updated	Jul 18, 2023

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
Relationship	Living Trust
Address	1946 COTTINGHAM DR, MOUNT PLEASANT, SC 29464

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHARLESTON SC
Recording Date	Dec 3, 2021
Property Address	946 COTTINGHAM DR, MOUNT PLEASANT, SC 29464-3502
Document Number	0010570552
Book / Page	1057 / 552
Map Reference	MB AA PG 70
Instrument Date	May 3, 2021
Transaction Type	Transfer
Record Updated	Sep 5, 2022
Title Company	AMROCK INC, AMROCK LLC

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
Relationship	Joint Tenants with Right of Survivorship
Address	946 COTTINGHAM DR, MOUNT PLEASANT, SC 29464-3502

Mortgage

Document Number	0001057554
Date	Dec 3, 2021
Instrument	1057/554

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	234 Months
Due	Jun 1, 2041

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLESTON SC
Recording Date	Aug 1, 2017
Property Address	946 COTTINGHAM DR, MOUNT PLEASANT, SC 29464-3502
Document Number	0656/0174
Book / Page	000656 / 000174
Instrument Date	Jul 28, 2017
Transaction Type	Transfer
Record Updated	Sep 5, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$306.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	946 COTTINGHAM DR MOUNT PLEASANT SC 294643502, MOUNT PLEASANT, SC 29464-3502

Mortgage

Document Number	656/0175
Date	Aug 1, 2017
Book Page	000656/000175

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 31, 2047

Tax Assessment & Valuation

Source: Charleston County assessment roll, as of August 1, 2025

Property Jurisdictions

Type	Name
State	South Carolina
County	Charleston County
Municipality	Mount Pleasant Town
Unified School District	Charleston County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,286.00 (+11.34%)	$304,865 (+2,776.08%) Land $67,850 Building $237,015	$431,400 (+62.73%) Land $98,800 Building $332,600
2024	$1,155.00 (+11.16%)	$10,600 (-)
2022	$1,039.00	$10,600	$265,100 (-) Land $59,000 Building $206,100
2020			$265,100 Land $59,000 Building $206,100

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

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 177 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	177 in force
Nearby Flood Claims	89 (1982–2025)
Claims Outside the SFHA	36 of 89
Most Recent Claim	Jun 2025 · rainfall accumulation
Claims by Event	Hurricane Matthew, Oct 2016 · 5 claims Severe Storms And Flooding, Oct 2015 · 4 claims Hurricane Hugo, Sep 1989 · 54 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	Low lower than 95% of the US · lower than 98.6% of South Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MT PLEASANT WATERWORKS serves 91,500 people · EPA ID SC1010002
Water Source	Purchased surface water from CHARLESTON WATER SYSTEM
Last State Inspection	Dec 2022
Lead	1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 263 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon, WOW Internet, Cable & Phone.

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