Beaufort County property record for 10 Spruce Dr, Bluffton, SC 29910
| Property Type | Single Family Home |
|---|---|
| Details | 1,139 sqft · built 2004 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $224,900 (May 2021) |
| Tax Bill | $4,545 (2025) |
| Deeds & Mortgages | May 2021 Sale & Mortgage Nov 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R61003800011950000 |
| Primary APN | R61003800011950000 |
|---|---|
| Alternative APN |
|
| Total Rooms | 5 Rooms |
|---|---|
| Stories | 1 Story |
| Building Area | 1,139 sqft Living Area |
| Year Built | Built 2004 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Asphalt |
| Lot Area | 6,534 sqft (0.15 acres) |
| Porch | Open Porch |
| Patio Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 11543575 |
|---|---|
| Old Parcel Number | R61003800011950000 |
| Street Address | 10 SPRUCE DR |
| City | BLUFFTON |
| State | SC |
| Zip | 29910-7903 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 4116 |
| Legal Description | LOT 306 PINE RIDGE S/D PH 3 PB99 P102 |
| Legal Subdivision | PINE RIDGE |
| Legal Phase | 3 |
| Legal Lot Number | 306 |
| Jurisdiction | BEAUFORT SC |
| Township / Civil Division | BLUFFTON |
| Census Block Group | 2 |
| Census Block | 2032 |
| Census Tract | 2106 |
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 SPRUCE DR, BLUFFTON, SC 29910-7903 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 5, 2021 | Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF AMERICA |
| Nov 16, 2017 | Warranty Deed, Transfer · FHA Mortgage GATEWAY MORTGAGE GROUP LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 5, 2021 · Amount on Record |
| Deed Sale | May 5, 2021 · Amount on Record |
| Prior Sale | Nov 16, 2017 · Amount on Record |
| Deed Document Number | 2021032873 |
| Deed Book / Page | 4007 / 2487 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BEAUFORT SC |
| Recording Date | May 5, 2021 |
| Property Address | 10 SPRUCE DR, BLUFFTON, SC 29910-7903 |
| Document Number | 0000032873 |
| Book / Page | 4007 / 2487 |
| Map Reference | MB 99 PG 102 |
| Instrument Date | May 3, 2021 |
| Instrument | 2021032873 |
| Transaction Type | Transfer |
| Record Updated | Jun 4, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $585.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 10 SPRUCE DR, BLUFFTON, SC 29910-7903 |
| Document Number | 0000032874 |
|---|---|
| Date | May 5, 2021 |
| Instrument | 2021032874 |
| Name | FIRST NATIONAL BANK OF AMERICA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 20, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BEAUFORT SC |
| Recording Date | Nov 16, 2017 |
| Property Address | 10 SPRUCE DR, BLUFFTON, SC 29910-7903 |
| Document Number | 0000062620 |
| Book / Page | 3622 / 2672 |
| Map Reference | MB 99 PG 102 |
| Instrument Date | Nov 8, 2017 |
| Instrument | 2017062620 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $636.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10 SPRUCE DR, BLUFFTON, SC 29910-7903 |
| Document Number | 0000062621 |
|---|---|
| Date | Nov 16, 2017 |
| Instrument | 2017062621 |
| Name | GATEWAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2047 |
Source: Beaufort County assessment roll, as of September 13, 2025
| Type | Name |
|---|---|
| State | South Carolina |
| County | Beaufort County |
| Municipality | Bluffton Town |
| Unified School District | Beaufort County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,545.00 (+1.45%) | $15,520 (+42.8%) | |
| 2024 | $4,480.00 | $10,868 (-) Land $4,000 Building $6,868 | $271,700 (-) Land $100,000 Building $171,700 |
| 2023 | $4,480.00 (+9.7%) | $10,868 (+20.81%) Land $4,000 Building $6,868 | $271,700 (+20.81%) Land $100,000 Building $171,700 |
| 2022 | $4,084.00 | $8,996 Land $1,800 Building $7,196 | $224,900 Land $45,000 Building $179,900 |
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.
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 135 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 135 in force |
| Nearby Flood Claims | 5 (2016–2017) |
| Claims Outside the SFHA | 5 of 5 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 96% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 377 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Sparklight Fiber · Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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