986 Cottingham Dr, Mount Pleasant, SC 29464 Property Records

Charleston County property record for 986 Cottingham Dr, Mount Pleasant, SC 29464

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,568 sqft · built 1966
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on Record
Last Sale	$422,000 (May 2019)
Tax Bill	$2,023 (2024)
Deeds & Mortgages	May 2022 Line of Credit Feb 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`517-08-00-045`

Property Details

APN / Parcel Number

Primary APN	`517-08-00-045`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,568 sqft Living Area
1st Floor Area	1,568 sqft

Exterior

Year Built	Built 1966
Architectural Style	Ranch
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Lot Area	15,682 sqft (0.36 acres)
Lot Dimensions	135 ft deep x 115 ft wide
Garage Type	Attached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	920 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	986 COTTINGHAM DR
City	MOUNT PLEASANT
State	SC
Zip	29464-3582
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAPPLATB U MAPPLATP 090 BLOCK F LOT 28
Legal Subdivision	COOPER ESTATES
Legal Block	F
Legal Lot Number	28
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 November 17, 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	986 COTTINGHAM DR, MOUNT PLEASANT, SC 29464-3582
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 12, 2022	Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NA
Feb 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage SOUTH STATE BANK NATIONAL ASSOCIATION
Jan 30, 2020	Deed of Trust, Mortgage · Conventional with PMI SOUTH ST BK
May 14, 2019	Grant Deed, Transfer · Conventional with PMI SOUTH ST BK
Dec 19, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Nov 28, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 14, 2019 · Amount on Record
Deed Sale	May 14, 2019 · Amount on Record
Prior Sale	Dec 19, 2018
Deed Document Number	0000795578
Deed Book / Page	0795 / 578
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	986 COTTINGHAM DR, MOUNT PLEASANT, SC 29464-3582
Transaction Type	Mortgage
Record Updated	Aug 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	986 COTTINGHAM DR, MOUNT PLEASANT, SC 29464-3582

Mortgage

Document Number	0011080508
Date	May 12, 2022
Book Page	1108/508

Lender

Name	SOUTH STATE BANK NA
Type	Bank
Address	WINTER HAVEN, FL 33880

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Apr 20, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	986 COTTINGHAM DR, MOUNT PLEASANT, SC 29464-3582
Transaction Type	Mortgage
Record Updated	Mar 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	09580627
Date	Feb 8, 2021
Book Page	958/627

Lender

Name	SOUTH STATE BANK NATIONAL ASSOCIATION
Type	Bank
Address	CHARLESTON, SC 29406

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	986 COTTINGHAM DR, MOUNT PLEASANT, SC 29464-3582
Document Number	0858/0206
Instrument Date	Jan 30, 2020
Transaction Type	Mortgage
Record Updated	Mar 10, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	986 COTTINGHAM DR MOUNT PLEASANT SC 294643582, MOUNT PLEASANT, SC 29464-3582

Mortgage

Document Number	0858/0206
Date	Feb 5, 2020
Book Page	000858/000206

Lender

Name	SOUTH ST BK
Type	Bank
Address	NORTH CHARLESTON, SC 29406

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Feb 4, 2035

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLESTON SC
Recording Date	May 14, 2019
Property Address	986 COTTINGHAM DR, MOUNT PLEASANT, SC 29464-3582
Document Number	0795/0578
Book / Page	000795 / 000578
Instrument Date	Mar 15, 2019
Transaction Type	Transfer
Record Updated	Jun 10, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$422.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1045 PROVINCIAL CIR #D MOUNT PLEASANT SC 294645638, D, MOUNT PLEASANT, SC 29464-5638

Mortgage

Document Number	795/0579
Date	May 14, 2019
Book Page	000795/000579

Lender

Name	SOUTH ST BK
Type	Bank
Address	N CHARLESTON, SC 29406

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 13, 2049

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHARLESTON SC
Recording Date	Dec 19, 2018
Property Address	986 COTTINGHAM DR, MOUNT PLEASANT, SC 29464-3582
Document Number	0767/0316
Book / Page	000767 / 000316
Instrument Date	Dec 19, 2018
Transaction Type	Transfer
Record Updated	Jan 15, 2019
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	Estate
Address	986 COTTINGHAM DR MOUNT PLEASANT SC 294643582, MOUNT PLEASANT, SC 29464-3582

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHARLESTON SC
Recording Date	Nov 28, 2018
Property Address	986 COTTINGHAM DR, MOUNT PLEASANT, SC 29464-3582
Document Number	0762/0848
Book / Page	000762 / 000848
Instrument Date	Nov 27, 2018
Transaction Type	Transfer
Record Updated	Dec 21, 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
Address	1516 CANTON SQ MOUNT PLEASANT SC 294647719, MOUNT PLEASANT, SC 29464-7719

Tax Assessment & Valuation

Source: Charleston County assessment roll, as of September 13, 2024

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
2024	$2,023.00 (+8.94%)	$20,100 (-)
2022	$1,857.00	$20,100	$502,400 (-) Land $265,000 Building $237,400
2020			$502,400 Land $265,000 Building $237,400

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 98% of the US · lower than 99.4% of South Carolina
Wildfire Likelihood	Under 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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