10 Derby Ct, Bluffton, SC 29910 Property Records

Beaufort County property record for 10 Derby Ct, Bluffton, SC 29910

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,812 sqft · built 2005
Lot Size	3.21 acres (139,828 sqft)
Owner	2 Individual Names on File
Last Sale	$710,000 (Jul 2019)
Tax Bill	$5,359 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R61003700002020000`

Property Details

APN / Parcel Number

Primary APN	`R61003700002020000`
Alternative APN	`10477372`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	3 Half Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,812 sqft Living Area
1st Floor Area	1,863 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Metal
Lot Area	139,828 sqft (3.21 acres)
Garage Type	Attached
Garage Area	1,064 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	10 DERBY CT
City	BLUFFTON
State	SC
Zip	29910-5604
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	4116
Legal Description	LOT 7 ROSE DHU CREEK PLANT S/D PH 2A PB89 PG49 LOT LINE REV PB94 P34~02/19 LOT
Legal Subdivision	ROSE DHU CREEK
Legal Phase	2A
Legal Lot Number	7
Jurisdiction	BEAUFORT SC
Township / Civil Division	BLUFFTON
Census Block Group	1
Census Block	1008
Census Tract	2106

Owner

10 Derby Ct is owned and occupied by two individuals who bought it in July 2019.

Source: Beaufort County records, as of June 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10 DERBY CT, BLUFFTON, SC 29910-5604
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2022	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Apr 6, 2020	Deed of Trust, Mortgage NAVY FCU
Jul 29, 2019	Special Warranty Deed, Transfer · Conventional Mortgage SOUTH STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2019 · Amount on File
Deed Sale	Jul 29, 2019 · Amount on File
Prior Sale	Jul 14, 2016 · Amount on File
Deed Document Number	201940238
Deed Book / Page	3780 / 2582
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEAUFORT SC
Property Address	10 DERBY CT, BLUFFTON, SC 29910-5604
Transaction Type	Mortgage
Record Updated	Aug 30, 2022
Title Company	EXPERT TITLE & ABSTRACT LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004859
Date	Jan 24, 2022
Book Page	4107/3389
Instrument	2022004859

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEAUFORT SC
Property Address	10 DERBY CT, BLUFFTON, SC 29910-5604
Document Number	0000019315
Instrument Date	Apr 6, 2020
Transaction Type	Mortgage
Record Updated	Jun 15, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10 DERBY CT BLUFFTON SC 299105604, BLUFFTON, SC 29910-5604

Mortgage

Document Number	0000019315
Date	Apr 14, 2020
Book Page	003854/002344
Instrument	19315

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 13, 2050

July 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BEAUFORT SC
Recording Date	Jul 29, 2019
Property Address	10 DERBY CT, BLUFFTON, SC 29910-5604
Document Number	0000040238
Book / Page	3780 / 2582
Map Reference	MB 3498 PG 1173
Instrument Date	May 7, 2019
Instrument	2019040238
Transaction Type	Transfer
Record Updated	Aug 30, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,846.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3415 VISION DR, 3415, COLUMBUS, OH 43219-6009

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	16 DAFFODIL FARM WAY, BLUFFTON, SC 29910-5338

Mortgage

Document Number	0000040239
Date	Jul 29, 2019
Instrument	2019040239

Lender

Name	SOUTH STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 10 Derby Ct was $5,359, down 0.1% from the year before.

Source: Beaufort County assessment roll, as of March 12, 2026

Property Jurisdictions

Type	Name
State	South Carolina
County	Beaufort County
Municipality	Bluffton Town
Unified School District	Beaufort County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,359.00 (-0.07%)	$32,660 (-47.43%)
2024	$5,363.00	$62,128 (-) Land $13,000 Building $49,128	$1,553,200 (-) Land $325,000 Building $1,228,200
2023	$5,363.00 (+8.5%)	$62,128 (+118.76%) Land $13,000 Building $49,128	$1,553,200 (+118.76%) Land $325,000 Building $1,228,200
2022	$4,943.00	$28,400 Land $4,760 Building $23,640	$710,000 Land $119,000 Building $591,000

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

FEMA maps place 10 Derby Ct in Zone X, an area of minimal flood risk, though there have been 31 flood claims nearby since 2015.

Source: FEMA National Flood Hazard Layer, effective March 23, 2021 · 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 File median of 428 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	428 in force
Nearby Flood Claims	31 (2015–2024)
Claims Outside the SFHA	30 of 31
Most Recent Claim	Dec 2024 · rainfall accumulation
Claims by Event	Tropical Storm Debby, Aug 2024 · 12 claims Hurricane Irma, Sep 2017 · 2 claims Hurricane Matthew, Oct 2016 · 14 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

Wildfire risk around 10 Derby Ct is moderate, ranking above 45% of the US, with a 0.08% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 45% of the US · lower than 61% of South Carolina
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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	BJW&SA serves 164,829 people · EPA ID SC0720003
Water Source	Surface water
Last State Inspection	Apr 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Oct 2023
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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 58 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sparklight Fiber · Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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