115 Cutter Cir, Bluffton (Okatie), SC 29909 Property Records

Beaufort County property record for 115 Cutter Cir, Bluffton, SC 29909

Property Summary

Property Type	Single Family Home
Details	3 bd · 2,572 sqft · built 2002
Lot Size	0.41 acres (17,860 sqft)
Owner	Individual Name on File
Last Sale	$757,500 (Aug 2023)
Tax Bill	$7,508 (2025)
Deeds & Mortgages	Aug 2023 Sale Oct 2018 Transfer + 1 more
Flood Zone	Zone X (moderate risk)
APN	`10459784`

Property Details

APN / Parcel Number

Primary APN	`10459784`
Alternative APNs	`R600 013 000 0168 0000` `R603 013 000 0168 0000`

Interior

Bedrooms	3 Beds
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	2,572 sqft Living Area
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Exterior Material	Fiber Cement Siding
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Asphalt
Lot Area	17,860 sqft (0.41 acres)
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	10459784
Old Parcel Number	R603 013 000 0168 0000
Street Address	115 CUTTER CIR
City	BLUFFTON
State	SC
Zip	29909-4330
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	6116
Legal Description	LOT 209 RIVERBEND S/D BLK 104 PB85 P55 PB86 P16 PB95 P173
Legal Subdivision	RIVERBEND BY SUNCITY
Legal Block	104
Legal Lot Number	209
Jurisdiction	BEAUFORT SC
Township / Civil Division	BLUFFTON
Census Block Group	1
Census Block	1116
Census Tract	2202

Owner

115 Cutter Cir is owned and occupied by an individual who bought it in August 2023.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	115 CUTTER CIR, BLUFFTON, SC 29909-4330
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
Aug 25, 2023	Deed, Transfer
Oct 25, 2018	Quit Claim Deed ATTORNEY ONLY
Dec 21, 2018	Quit Claim Deed ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2023 · Amount on File
Deed Sale	Aug 25, 2023 · Amount on File
Prior Sale	Dec 19, 2002 · Amount on File
Deed Document Number	2023040328
Deed Book / Page	4269 / 2746
Record Updated	Jun 8, 2026

August 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	BEAUFORT SC
Recording Date	Aug 25, 2023
Property Address	115 CUTTER CIR, BLUFFTON, SC 29909-4330
Document Number	0000040328
Book / Page	4269 / 2746
Map Reference	MB 85 PG 55
Instrument Date	Aug 9, 2023
Instrument	2023040328
Transaction Type	Transfer
Record Updated	Mar 12, 2026

Transaction

Amount	Amount on Record
Tax	$1,969.50
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	115 CUTTER CIR, BLUFFTON, SC 29909-4330

October 2018: Quit Claim Deed

Document Type	Quit Claim Deed
Jurisdiction	BEAUFORT SC
Recording Date	Oct 25, 2018
Property Address	115 CUTTER CIR, BLUFFTON, SC 29909-4330
Document Number	0000058092
Book / Page	003710 / 001742
Instrument Date	Sep 21, 2018
Instrument	58092
Record Updated	Nov 12, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	115 CUTTER CIR BLUFFTON SC 299094316, BLUFFTON, SC 29909-4316

December 2018: Quit Claim Deed

Document Type	Quit Claim Deed
Jurisdiction	BEAUFORT SC
Recording Date	Dec 21, 2018
Property Address	115 CUTTER CIR, BLUFFTON, SC 29909-4330
Document Number	0000068265
Book / Page	003723 / 002253
Instrument Date	Sep 21, 2018
Instrument	68265
Record Updated	Jan 9, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	115 CUTTER CIR BLUFFTON SC 299094330, BLUFFTON, SC 29909-4330

Tax Assessment & Valuation

The 2025 property tax bill for 115 Cutter Cir was $7,508, up 1.7% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,508.00 (+1.72%)	$30,300 (-)
2024	$7,381.00 (+134.99%)	$30,300 (+11.05%) Land $6,320 Building $23,980	$757,500 (-) Land $158,000 Building $599,500
2023	$3,141.00 (+10.25%)	$27,284 (+12.69%) Land $6,320 Building $20,964	$757,500 (+25.14%) Land $158,000 Building $599,500
2022	$2,849.00	$24,212 Land $6,000 Building $18,212	$605,300 Land $150,000 Building $455,300

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 115 Cutter Cir in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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	Hurricane Irma, Sep 2017 · 6 claims Hurricane Matthew, Oct 2016 · 13 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 115 Cutter Cir is low, with a 0.03% annual chance of wildfire.

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.

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 84 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

May also be available: Palmetto Telephone Communications.

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