980 Cummings Cir, Mount Pleasant, SC 29464 Property Records

Charleston County property record for 980 Cummings Cir, Mount Pleasant, SC 29464

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,628 sqft · built 1975
Lot Size	0.38 acres (16,553 sqft)
Owner	2 Individual Names on Record
Last Sale	$617,200 (Dec 2018)
Tax Bill	$3,102 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Nov 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`517-08-00-187`

Property Details

APN / Parcel Number

Primary APN	`517-08-00-187`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,628 sqft Living Area
1st Floor Area	836 sqft
Upper Floors Area	792 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,553 sqft (0.38 acres)
Lot Dimensions	164 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	220 sqft
Porch	Slab
Porch Area	410 sqft
Deck Area	330 sqft
Patio Area	330 sqft
Shed	1 Shed
Shed Area	367 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Street Address	980 CUMMINGS CIR
City	MOUNT PLEASANT
State	SC
Zip	29464-3506
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION NAME -COOPER ESTATES DESCRIPTION -LOT 20 BLK F
Legal Subdivision	COOPER ESTATES
Legal Block	F
Legal Lot Number	20
Jurisdiction	CHARLESTON SC
Township / Civil Division	MOUNT PLEASANT
Census Block Group	3
Census Block	3008
Census Tract	4607

Owner

Source: Charleston County records, as of September 23, 2026

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	980 CUMMINGS CIR, MOUNT PLEASANT, SC 29464-3506
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2020	Deed of Trust, Mortgage · Conventional with PMI FIRST RELIANCE BK
Nov 30, 2018	Deed of Trust, Mortgage LENDUS LLC
Aug 28, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Feb 13, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 3, 2018 · Amount on Record
Deed Sale	Dec 3, 2018 · Amount on Record
Prior Sale	Jun 4, 2013 · Amount on Record
Deed Book / Page	763 / 646
Prior Transfer Date	Aug 23, 2018
Prior Transfer Doc	0743/0385
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	980 CUMMINGS CIR, MOUNT PLEASANT, SC 29464-3506
Document Number	0914/0114
Instrument Date	Sep 3, 2020
Transaction Type	Mortgage
Record Updated	Oct 5, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	980 CUMMINGS CIR MOUNT PLEASANT SC 294643506, MOUNT PLEASANT, SC 29464-3506

Mortgage

Document Number	0914/0114
Date	Sep 10, 2020
Book Page	000914/000114

Lender

Name	FIRST RELIANCE BK
Type	Bank
Address	FLORENCE, SC 29464

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 9, 2050

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	980 CUMMINGS CIR, MOUNT PLEASANT, SC 29464-3506
Document Number	0763/0647
Instrument Date	Nov 30, 2018
Transaction Type	Mortgage
Record Updated	Jan 2, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	980 CUMMINGS CIR MOUNT PLEASANT SC 294643506, MOUNT PLEASANT, SC 29464-3506

Mortgage

Document Number	0763/0647
Date	Dec 3, 2018
Book Page	000763/000647

Lender

Name	LENDUS LLC
Address	ALAMO, CA 94507

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 2, 2048

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHARLESTON SC
Recording Date	Aug 28, 2018
Property Address	980 CUMMINGS CIR, MOUNT PLEASANT, SC 29464-3506
Document Number	0743/0385
Book / Page	000743 / 000385
Instrument Date	Aug 23, 2018
Transaction Type	Transfer
Record Updated	Sep 20, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	980 CUMMINGS CIR MOUNT PLEASANT SC 294643506, MOUNT PLEASANT, SC 29464-3506

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	980 CUMMINGS CIR, MOUNT PLEASANT, SC 29464-3506
Document Number	0618/0442
Book / Page	000618 / 000442
Instrument Date	Feb 13, 2017
Transaction Type	Mortgage
Record Updated	Mar 3, 2017
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	980 CUMMINGS CIR MOUNT PLEASANT SC 294643506, MOUNT PLEASANT, SC 29464-3506

Mortgage

Document Number	0618/0442
Date	Feb 21, 2017
Book Page	000618/000442

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 20, 2047

Interest

Rate Type	Adjustable Rate

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	$3,102.00 (+12.55%)	$814,085 (+2,774.59%) Land $360,000 Building $454,085	$1,235,400 (+100.88%) Land $360,000 Building $875,400
2024	$2,756.00 (+23.2%)	$28,320 (+15.12%)
2022	$2,237.00	$24,600	$615,000 (-13.12%) Land $194,906 Building $420,094
2020			$707,900 Land $313,128 Building $394,772

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
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 314 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.

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