104 Scarlet Oak, Bluffton, SC 29910 Property Records

Beaufort County property record for 104 Scarlet Oak, Bluffton, SC 29910

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,216 sqft · built 2018
Lot Size	0.107 acres (4,661 sqft)
Owner	Individual Name on File
Last Sale	$349,900 (Mar 2024)
Tax Bill	$6,044 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Mar 2024 Sale & Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`242006942`

Property Details

APN / Parcel Number

Primary APN	`242006942`
Alternative APN	`R614 036 000 1315 0000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,216 sqft Living Area

Exterior

Year Built	Built 2018
Construction Type	Wood
Roof Type	Hip
Roof Material	Asphalt
Lot Area	4,661 sqft (0.107 acres)

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	242006942
Street Address	104 SCARLET OAK
City	BLUFFTON
State	SC
Zip	29910-4436
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT PH3-43 SOUTHERN OAKS S/D PH3 PB146 PG166 PB147 PG34
Legal Subdivision	SOUTHERN OAKS SUBDIVISION PH I
Legal Lot Number	PH3
Jurisdiction	BEAUFORT SC
Township / Civil Division	BLUFFTON
Census Block Group	1
Census Block	1066
Census Tract	2102

Owner

Source: Beaufort County assessment roll, as of September 13, 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 File
Co-owner	Verified Secondary Owner
Mailing Address	104 SCARLET OAK, BLUFFTON, SC 29910-4436
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO
Mar 21, 2024	Deed, Transfer · Line of Credit FIRST CITIZENS BANK & TRUST CO
Apr 21, 2020	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MTG
Mar 8, 2018	Limited Warranty Deed, Subdivision Related Transfer · FHA Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 21, 2024 · Amount on Record
Deed Sale	Mar 21, 2024 · Amount on Record
Prior Sale	Mar 8, 2018 · Amount on Record
Deed Document Number	2024012412
Deed Book / Page	4319 / 2575
Record Updated	Jun 8, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEAUFORT SC
Property Address	104 SCARLET OAK, BLUFFTON, SC 29910-4436
Transaction Type	Mortgage
Record Updated	Feb 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 SCARLET OAK, BLUFFTON, SC 29910-4436

Mortgage

Document Number	0000003222
Date	Jan 22, 2026
Book Page	4501/3142
Instrument	2026003222

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	PO BOX 11757, COLUMBIA, SC 29211

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.1%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.1%
Index	Other
Margin	3
Max Rate	11.1%

March 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	BEAUFORT SC
Recording Date	Mar 21, 2024
Property Address	104 SCARLET OAK, BLUFFTON, SC 29910-4436
Document Number	0000012412
Book / Page	4319 / 2575
Map Reference	MB 147 PG 34
Instrument Date	Mar 5, 2024
Instrument	2024012412
Transaction Type	Transfer
Record Updated	Apr 30, 2024
Title Company	WEEKS & IRVINE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$910.00
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	104 SCARLET OAK, BLUFFTON, SC 29910-4436

Mortgage

Document Number	0000012413
Date	Mar 21, 2024
Instrument	2024012413

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEAUFORT SC
Recording Date	Apr 21, 2020
Property Address	104 SCARLET OAK, BLUFFTON, SC 29910-4436
Document Number	0000020589
Book / Page	003856 / 002681
Instrument Date	Mar 27, 2020
Instrument	20589
Transaction Type	Transfer
Record Updated	Jun 16, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$814.00
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	104 SCARLET OAK BLUFFTON SC 299104436, BLUFFTON, SC 29910-4436

Mortgage

Document Number	20590
Date	Apr 21, 2020
Book Page	003856/002684
Instrument	20590

Lender

Name	MOVEMENT MTG
Type	Mortgage Company
Address	INDIAN LAND, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 20, 2050

March 2018: Limited Warranty Deed, Subdivision Related Transfer

Document Type	Limited Warranty Deed
Jurisdiction	BEAUFORT SC
Recording Date	Mar 8, 2018
Property Address	104 SCARLET OAK, BLUFFTON, SC 29910-4436
Document Number	0000012264
Book / Page	3649 / 2946
Map Reference	MB 147 PG 34
Instrument Date	Mar 6, 2018
Instrument	2018012264
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 30, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$728.90
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	104 SCARLET OAK, BLUFFTON, SC 29910-4436

Mortgage

Document Number	0000012265
Date	Mar 8, 2018
Instrument	2018012265

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

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	$6,044.00 (+258.91%)	$20,990 (+79.96%)
2024	$1,684.00	$11,664 (-) Land $2,920 Building $8,744	$291,600 (-16.66%) Land $73,000 Building $218,600
2023	$1,684.00 (+8.37%)	$11,664 (+32.55%) Land $2,920 Building $8,744	$349,900 (+59.05%) Land $73,000 Building $276,900
2022	$1,554.00 Homeowner's exemption	$8,800 Land $2,520 Building $6,280	$220,000 Land $63,000 Building $157,000

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 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 65% of the US · lower than 92% of South Carolina
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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)
Cable One Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications, Spectrum.

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