981 Cottingham Dr, Mount Pleasant, SC 29464 Property Records

Charleston County property record for 981 Cottingham Dr, Mount Pleasant, SC 29464 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 1970
Square Footage	1,520 sqft Living Area
Lot Size	13,939 sqft (0.32 acres)
Occupancy	Owner Occupied
Last Sale	$290,000 (2015)
Tax Bill	$2,281.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`517-08-00-002`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,520 sqft Living Area
1st Floor	1,520 sqft 1st Floor
Stories	1 Stories

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Ranch Style
Exterior Material	Brick Veneer Exterior
Roof Construction	Gable Roof Construction
Roof Material	Asphalt Roof
Lot Area	13,939 sqft (0.32 acres)
Depth X Width	140 ft x 100 ft Depth x Width
Parking Spaces	3 Parking Spaces
Garage Type	Mixed Garage
Garage Area	907 sqft Garage
Total Buildings	2 Total Buildings
Porch Area	115 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air with Air Conditioning Heating
Heating Fuel	Gas Heating Fuel

Location & Zoning

Street Address	981 COTTINGHAM DR
City	MOUNT PLEASANT
State	SC
Zip	29464-3501
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	SUBDIVISION NAME -COOPER ESTATES DESCRIPTION -LT 23 BLK A
Legal Subdivision	COOPER ESTATES
Legal Block	A
Legal Lot Number	23
Jurisdiction	CHARLESTON SC
Minor Civil Division	MOUNT PLEASANT
Census Blockgroup	2
Census Block	2004
Census Tract	4607

Owner

Source: Charleston County records · APN 517-08-00-002

Assessment roll updated August 1, 2025 · Last verified April 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 File
Mailing Address	981 COTTINGHAM DR, MOUNT PLEASANT, SC 29464-3501
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
May 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage SOUTH CAROLINA FCU
Jul 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage SOUTH CAROLINA FCU
Dec 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage with Private Mortgage Insurance (PMI) GSF MTG
May 25, 2017	Grant Deed, Transfer NAVY FCU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 17, 2015 · Amount on Record
Deed Sale	Jun 17, 2015 · Amount on Record
Prior Sale	Apr 08, 2015 · Amount on Record
Deed Book / Page	483 / 577
Prior Transfer Date	Apr 14, 2005
Prior Transfer Doc	L533/0287
Record Refreshed	Jun 08, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	981 COTTINGHAM DR, MOUNT PLEASANT, SC 29464-3501
Transaction Type	Mortgage
Record Updated	Jun 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	09890056
Date	May 11, 2021
Book Page	989/56

Lender

Name	SOUTH CAROLINA FCU
Type	Credit Union
Address	NORTH CHARLESTON, SC 29419

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Apr 01, 2051

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	981 COTTINGHAM DR, MOUNT PLEASANT, SC 29464-3501
Document Number	0904/0305
Instrument Date	Jul 14, 2020
Transaction Type	Mortgage
Record Updated	Sep 25, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	981 COTTINGHAM DR MOUNT PLEASANT SC 294643501, MOUNT PLEASANT, SC 29464-3501

Mortgage

Document Number	0904/0305
Date	Aug 08, 2020
Book Page	000904/000305

Lender

Name	SOUTH CAROLINA FCU
Address	NORTH CHARLESTON, SC 29419-9012

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 07, 2040

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	981 COTTINGHAM DR, MOUNT PLEASANT, SC 29464-3501
Document Number	0848/0472
Instrument Date	Dec 12, 2019
Transaction Type	Mortgage
Record Updated	Feb 07, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband And Wife
Address	981 COTTINGHAM DR MOUNT PLEASANT SC 294643501, MOUNT PLEASANT, SC 29464-3501

Mortgage

Document Number	0848/0472
Date	Dec 23, 2019
Book Page	000848/000472

Lender

Name	GSF MTG
Type	Mortgage Company
Address	BROOKFIELD, WI 53005

Agreement

Type	Conventional Mortgage with Private Mortgage Insurance (PMI)
Amount	Amount Recorded
Term	360 Months
Due	Dec 22, 2049

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLESTON SC
Recording Date	May 25, 2017
Property Address	981 COTTINGHAM DR, MOUNT PLEASANT, SC 29464-3501
Document Number	0640/0197
Book / Page	000640 / 000197
Instrument Date	May 11, 2017
Transaction Type	Transfer
Record Updated	Jun 19, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$500.00
Amount Accuracy	Confirmed
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenant/Joint Tenant w/ Right Of Survivorship
Address	981 COTTINGHAM DR MOUNT PLEASANT SC 294643501, MOUNT PLEASANT, SC 29464-3501

Mortgage

Document Number	640/0200
Date	May 25, 2017
Book Page	000640/000200

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 24, 2047

Interest

Rate Type	Adjustable Rate
Rate	4%

Tax Assessment & Valuation

Source: Charleston County records · Assessment roll updated August 1, 2025 · Last verified April 2026

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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,281.00 (+12.25%)
2024	$2,032.00 (+8.9%)	$20,210 (-)
2022	$1,866.00	$20,210	$505,300 (-) Land $265,000 Building $240,300
2020			$505,300 Land $265,000 Building $240,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Charleston County (45019C), updated September 9, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

981 Cottingham Dr, Mount Pleasant, SC 29464 Property Records

Property Highlights

Property Details

APN / Parcel Number

Interior

Exterior

Utilities and HVAC

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

May 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

July 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

December 2019: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

May 2017: Grant Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

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