989 Cottingham Dr, Mount Pleasant, SC 29464 Property Records

Charleston County property record for 989 Cottingham Dr, Mount Pleasant, SC 29464

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,052 sqft · built 1968
Lot Size	0.32 acres (13,939 sqft)
Owner	Individual Name on Record
Last Sale	$390,000 (Jun 2013)
Tax Bill	$7,678 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jun 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`517-08-00-004`

Property Details

APN / Parcel Number

Primary APN	`517-08-00-004`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,052 sqft Living Area
1st Floor Area	2,052 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Ranch
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,939 sqft (0.32 acres)
Lot Dimensions	140 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	325 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	100 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	989 COTTINGHAM DR
City	MOUNT PLEASANT
State	SC
Zip	29464-3501
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION NAME -COOPER ESTATES DESCRIPTION -LT 21 BLK A
Legal Subdivision	COOPER ESTATES
Legal Block	A
Legal Lot Number	21
Jurisdiction	CHARLESTON SC
Township / Civil Division	MOUNT PLEASANT
Census Block Group	2
Census Block	2004
Census Tract	4607

Owner

Source: Charleston County records, as of November 18, 2025

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

Owner of Record	Individual Name on Record
Mailing Address	989 COTTINGHAM DR, MOUNT PLEASANT, SC 29464-3501
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO
Jun 5, 2018	Quit Claim Deed, Mortgage · Conventional Mortgage FIRST CITIZENS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 24, 2013 · Amount on Record
Deed Sale	Jun 24, 2013 · Amount on Record
Prior Sale	Apr 1, 2005 · Amount on Record
Deed Book / Page	340 / 544
Last Transfer Date	May 15, 2018
Transfer Doc	0723/0593
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	989 COTTINGHAM DR, MOUNT PLEASANT, SC 29464-3501
Transaction Type	Mortgage
Record Updated	Mar 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0010680412
Date	Jan 14, 2022
Book Page	1068/412

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	COLUMBIA, SC 29211

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

June 2018: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	CHARLESTON SC
Recording Date	Jun 5, 2018
Property Address	989 COTTINGHAM DR, MOUNT PLEASANT, SC 29464-3501
Document Number	0723/0593
Book / Page	000723 / 000593
Instrument Date	May 15, 2018
Transaction Type	Mortgage
Record Updated	Jun 27, 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	989 COTTINGHAM DR MOUNT PLEASANT SC 294643501, MOUNT PLEASANT, SC 29464-3501

Mortgage

Document Number	723/0594
Date	Jun 5, 2018
Book Page	000723/000594

Lender

Name	FIRST CITIZENS BK
Type	Bank
Address	COLUMBIA, SC 29211

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 4, 2048

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	$7,678.00 (+12.25%)
2024	$6,840.00 (+9%)	$26,910 (-)
2022	$6,275.00	$26,910	$576,000 (-) Land $265,000 Building $311,000
2020			$576,000 Land $265,000 Building $311,000

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 69 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	69 in force
Nearby Flood Claims	16 (1979–2018)
Claims Outside the SFHA	11 of 16
Most Recent Claim	Dec 2018 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Oct 2015 · 2 claims Hurricane Hugo, Sep 1989 · 5 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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