Beaufort County property record for 104 Cutter Cir, Bluffton, SC 29909
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4.5 ba · 2,696 sqft · built 2003 |
| Lot Size | 0.42 acres (18,295 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $925,000 (Mar 2022) |
| Tax Bill | $4,455 (2025) |
| Deeds & Mortgages | Apr 2026 Sale Mar 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 09711181 |
| Primary APN | 09711181 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 3 Half Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,696 sqft Living Area |
| Gross Area | 2,709 sqft |
| 1st Floor Area | 2,709 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 18,295 sqft (0.42 acres) |
| Garage Type | Attached |
| Garage Area | 839 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Street Address | 104 CUTTER CIR |
|---|---|
| City | BLUFFTON |
| State | SC |
| Zip | 29909-4321 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 4116 |
| Legal Description | LOT 155 RIVERBEND BLK 103-C S/D PB77 P70 PB80 P40 PB84 PG170 |
| Legal Subdivision | RIVERBEND BY SUNCITY |
| Legal Block | 103-C |
| Legal Lot Number | 155 |
| Jurisdiction | BEAUFORT SC |
| Township / Civil Division | BLUFFTON |
| Census Block Group | 1 |
| Census Block | 1114 |
| Census Tract | 2202 |
Source: Beaufort County records, as of May 26, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 104 CUTTER CIR, BLUFFTON, SC 29909-4321 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| Apr 30, 2026 | Deed, Transfer NONE LISTED ON DOCUMENT |
| Mar 15, 2022 | Warranty Deed, Transfer · Conventional Mortgage SYNOVUS BANK |
| Jul 29, 2019 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 15, 2022 · Amount on Record |
| Deed Sale | Mar 15, 2022 · Amount on Record |
| Prior Sale | Jan 3, 2002 · Amount on Record |
| Deed Document Number | 202215805 |
| Deed Book / Page | 4125 / 505 |
| Last Transfer Date | Apr 23, 2026 |
| Transfer Doc | 0000019079 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BEAUFORT SC |
| Recording Date | Apr 30, 2026 |
| Property Address | 104 CUTTER CIR, BLUFFTON, SC 29909-4321 |
| Document Number | 0000019079 |
| Book / Page | 4533 / 1421 |
| Instrument Date | Apr 23, 2026 |
| Instrument | 202619079 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 104 CUTTER CIR, BLUFFTON, SC 29909-4321 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BEAUFORT SC |
| Recording Date | Mar 15, 2022 |
| Property Address | 104 CUTTER CIR, BLUFFTON, SC 29909-4321 |
| Document Number | 0000015805 |
| Book / Page | 4125 / 505 |
| Map Reference | MB 77 PG 70 |
| Instrument Date | Feb 24, 2022 |
| Instrument | 2022015805 |
| Transaction Type | Transfer |
| Record Updated | Mar 12, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,405.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 104 CUTTER CIR, BLUFFTON, SC 29909-4321 |
| Document Number | 0000015806 |
|---|---|
| Date | Mar 15, 2022 |
| Instrument | 2022015806 |
| Name | SYNOVUS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEAUFORT SC |
| Property Address | 104 CUTTER CIR, BLUFFTON, SC 29909-4321 |
| Document Number | 0000041978 |
| Instrument Date | Jul 29, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2019 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 104 CUTTER CIR BLUFFTON SC 299094321, BLUFFTON, SC 29909-4321 |
| Document Number | 0000041978 |
|---|---|
| Date | Aug 6, 2019 |
| Book Page | 003783/000793 |
| Instrument | 41978 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 5, 2049 |
| Rate Type | Adjustable Rate |
|---|
Source: Beaufort County assessment roll, as of March 12, 2026
| Type | Name |
|---|---|
| State | South Carolina |
| County | Beaufort County |
| Unified School District | Beaufort County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,455.00 (-48.49%) | $35,500 (-0.01%) | |
| 2024 | $8,648.00 (+93.94%) | $35,504 (-) Land $16,832 Building $18,672 | $887,600 (-) Land $420,800 Building $466,800 |
| 2023 | $4,459.00 (+22.4%) | $35,504 (+1.78%) Land $16,832 Building $18,672 | $887,600 (+1.78%) Land $420,800 Building $466,800 |
| 2022 | $3,643.00 | $34,884 Land $15,300 Building $19,584 | $872,100 Land $382,500 Building $489,600 |
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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 11.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 985 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 985 in force |
| Nearby Flood Claims | 23 (2009–2022) |
| Claims Outside the SFHA | 3 of 23 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| 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 99.1% of the US · lower than 99.7% 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.
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 99 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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