10 Over Cup Oak Ln, Bluffton, SC 29910 Property Records

Beaufort County property record for 10 Over Cup Oak Ln, Bluffton, SC 29910

Property Summary

Property Type	Single Family Home
Details	4 bd · 6 ba · 2,536 sqft · built 2017
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on Record
Last Sale	$505,000 (Nov 2023)
Tax Bill	$3,326 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Jan 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`R61403600010550000`

Property Details

APN / Parcel Number

Primary APN	`R61403600010550000`
Alternative APN	`00300321`

Interior

Bedrooms	4 Beds
Full Baths	6 Baths
Half Baths	3 Half Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,536 sqft Living Area

Exterior

Year Built	Built 2017
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,326 sqft (0.26 acres)
Garage Type	Attached
Garage Area	640 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	00300321
Old Parcel Number	R61403600010550000
Street Address	10 OVER CUP OAK LN
City	BLUFFTON
State	SC
Zip	29910-4426
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 319 SOUTHERN OAKS PH 2 PB124 P191-194
Legal Subdivision	SOUTHERN OAKS SUBDIVISION PH I
Legal Phase	2
Legal Lot Number	319
Jurisdiction	BEAUFORT SC
Township / Civil Division	BLUFFTON
Census Block Group	1
Census Block	1069
Census Tract	2102

Owner

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

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
Co-owner	Co-owner on Record
Mailing Address	10 OVER CUP OAK LN, BLUFFTON, SC 29910-4426
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 2, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage AMERIS BANK
Apr 27, 2020	Deed of Trust, Mortgage · Conventional with PMI MORTGAGE NTWK
Apr 24, 2017	Grant Deed, Subdivision Related Transfer MORTGAGE NTWK
Feb 21, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 2, 2023 · Amount on Record
Deed Sale	Nov 2, 2023 · Amount on Record
Prior Sale	Apr 24, 2017 · Amount on Record
Deed Document Number	2023051226
Deed Book / Page	4287 / 735
Record Updated	Jun 8, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEAUFORT SC
Recording Date	Nov 2, 2023
Property Address	10 OVER CUP OAK LN, BLUFFTON, SC 29910-4426
Document Number	0000051226
Book / Page	4287 / 735
Map Reference	MB 124 PG 191
Instrument Date	Nov 1, 2023
Instrument	2023051226
Transaction Type	Transfer
Record Updated	Nov 20, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,313.00
Amount Accuracy	Full Amount Stated
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	10 OVER CUP OAK LN, BLUFFTON, SC 29910-4426

Mortgage

Document Number	0000051229
Date	Nov 2, 2023
Instrument	2023051229

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEAUFORT SC
Property Address	10 OVER CUP OAK LN, BLUFFTON, SC 29910-4426
Transaction Type	Mortgage
Record Updated	Feb 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000221
Date	Jan 3, 2022
Book Page	4100/2485
Instrument	2022000221

Lender

Name	AMERIS BANK
Type	Bank
Address	MARIETTA, GA 30067

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEAUFORT SC
Property Address	10 OVER CUP OAK LN, BLUFFTON, SC 29910-4426
Document Number	0000022582
Instrument Date	Apr 27, 2020
Transaction Type	Mortgage
Record Updated	Jun 23, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 OVER CUP OAK LN BLUFFTON SC 299104426, BLUFFTON, SC 29910-4426

Mortgage

Document Number	0000022582
Date	May 1, 2020
Book Page	003860/000380
Instrument	22582

Lender

Name	MORTGAGE NTWK
Type	Mortgage Company
Address	DANVERS, MA 01923

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	240 Months
Due	Apr 30, 2040

April 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	BEAUFORT SC
Recording Date	Apr 24, 2017
Property Address	10 OVER CUP OAK LN, BLUFFTON, SC 29910-4426
Document Number	0000020588
Book / Page	003569 / 000570
Instrument Date	Apr 21, 2017
Instrument	20588
Transaction Type	Subdivision Related Transfer
Record Updated	May 5, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,028.00
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	10 OVER CUP OAK LN BLUFFTON SC 299104426, BLUFFTON, SC 29910-4426

Mortgage

Document Number	20589
Date	Apr 24, 2017
Book Page	003569/000573
Instrument	20589

Lender

Name	MORTGAGE NTWK
Type	Mortgage Company
Address	DANVERS, MA 01923

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 23, 2047

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BEAUFORT SC
Recording Date	Feb 21, 2017
Property Address	10 OVER CUP OAK LN, BLUFFTON, SC 29910-4426
Document Number	0000008795
Book / Page	003553 / 002689
Instrument Date	Feb 17, 2017
Instrument	8795
Transaction Type	Transfer
Record Updated	May 5, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$224.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 23376 HILTON HEAD ISLAND SC 299253376, HILTON HEAD ISLAND, SC 29925-3376
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Beaufort County assessment roll, as of September 13, 2025

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	$3,326.00 (-0.06%)	$20,200 (-)
2024	$3,328.00 (+47.78%)	$20,200 (+9%) Land $2,980 Building $17,220	$505,000 (-) Land $74,500 Building $430,500
2023	$2,252.00 (+8.32%)	$18,532 (+59.32%) Land $2,980 Building $15,552	$505,000 (+73.66%) Land $74,500 Building $430,500
2022	$2,079.00 Homeowner's exemption	$11,632 Land $2,520 Building $9,112	$290,800 Land $63,000 Building $227,800

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 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 Record median of 666 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	666 in force
Nearby Flood Claims	13 (1991–2021)
Claims Outside the SFHA	7 of 13
Most Recent Claim	Jun 2021 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 3 claims Hurricane Matthew, Oct 2016 · 3 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 62% of the US · lower than 87% of South Carolina
Wildfire Likelihood	0.04% 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 214 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sparklight Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications, Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

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