12 Derby Ct, Bluffton, SC 29910 Property Records

Beaufort County property record for 12 Derby Ct, Bluffton, SC 29910

Property Summary

Property Type	Single Family Home
Details	8 bd · 8 ba · 5,154 sqft · built 2024
Lot Size	3.22 acres (140,394 sqft)
Owner	Individual Name on File
Last Sale	$275,000 (Jan 2022)
Tax Bill	$13,341 (2025)
Deeds & Mortgages	Nov 2023 Construction Loan Jan 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R61003700002030000`

Property Details

APN / Parcel Number

Primary APN	`R61003700002030000`
Alternative APN	`10477381`

Interior

Bedrooms	8 Beds
Full Baths	8 Baths
Half Baths	4 Half Baths
Total Rooms	14 Rooms
Stories	1 Story
Building Area	5,154 sqft Living Area
Fireplace	Fireplace

Exterior

Year Built	Built 2024
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	140,394 sqft (3.22 acres)

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	10477381
Old Parcel Number	R61003700002030000
Street Address	12 DERBY CT
City	BLUFFTON
State	SC
Zip	29910-5604
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	6106
Legal Description	LOT 8 ROSE DHU CREEK PLANTS/D PH 2A PB89 PG49~01/20 AC CHG PB151 PG195
Legal Subdivision	ROSE DHU CREEK
Legal Phase	2A
Legal Lot Number	8
Jurisdiction	BEAUFORT SC
Township / Civil Division	BLUFFTON
Census Block Group	1
Census Block	1008
Census Tract	2106

Owner

12 Derby Ct is owned by an individual who bought it in January 2022.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	19 REDBUD WAY, BLUFFTON, SC 29910-5605
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
Nov 27, 2023	Deed of Trust, Mortgage · Construction Mortgage SCHUMACHER MORTGAGE LLC
Jan 5, 2022	Warranty Deed, Transfer · Conventional Mortgage SOUTH ATLANTIC BANK
Aug 26, 2019	Deed, Transfer · Closed-End Mortgage PALMETTO STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 5, 2022 · Amount on File
Deed Sale	Jan 5, 2022 · Amount on File
Prior Sale	Aug 26, 2019 · Amount on File
Deed Document Number	2022000962
Deed Book / Page	4101 / 3256
Record Updated	Jun 8, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEAUFORT SC
Property Address	12 DERBY CT, BLUFFTON, SC 29910-5604
Transaction Type	Mortgage
Record Updated	Mar 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	154 TARINSRS RUN, BLUFFTON, SC 29910

Mortgage

Document Number	0000054375
Date	Nov 27, 2023
Book Page	4292/908
Instrument	2023054375

Lender

Name	SCHUMACHER MORTGAGE LLC
Type	Mortgage Company
Address	CANTON, OH 44708

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	Dec 1, 2054

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEAUFORT SC
Recording Date	Jan 5, 2022
Property Address	12 DERBY CT, BLUFFTON, SC 29910-5604
Document Number	0000000962
Book / Page	4101 / 3256
Map Reference	MB 151 PG 195
Instrument Date	Dec 20, 2021
Instrument	2022000962
Transaction Type	Transfer
Record Updated	Mar 12, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$715.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 REDBUD WAY, BLUFFTON, SC 29910-5605

Mortgage

Document Number	0000000963
Date	Jan 5, 2022
Instrument	2022000963

Lender

Name	SOUTH ATLANTIC BANK
Type	Bank

Agreement

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

August 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	BEAUFORT SC
Recording Date	Aug 26, 2019
Property Address	36 ROSE DHU CREEK PLANTATION DR, BLUFFTON, SC 29910-5602
Document Number	0000045800
Book / Page	3788 / 2003
Map Reference	MB 151 PG 195
Instrument Date	Aug 21, 2019
Instrument	2019045800
Transaction Type	Transfer
Record Updated	Feb 22, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$436.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 DERBY CT, BLUFFTON, SC 29910-5604

Mortgage

Document Number	0000045801
Date	Aug 26, 2019
Instrument	2019045801

Lender

Name	PALMETTO STATE BANK
Type	Bank

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	62 Months
Due	Oct 22, 2024

Tax Assessment & Valuation

The 2025 property tax bill for 12 Derby Ct was $13,341, up 151.4% from the year before.

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	$13,341.00 (+151.43%)	$47,010 (+147.68%)
2024	$5,306.00 (-1.19%)	$18,980 (-)	$455,000 (-65.37%) Land $455,000
2023	$5,370.00 (+9.91%)	$18,980 (+15.03%)	$1,314,000 (+377.82%) Land $455,000 Building $859,000
2022	$4,886.00	$16,500	$275,000 Land $275,000

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

FEMA maps place 12 Derby Ct in Zone X, an area of minimal flood risk, though there have been 31 flood claims nearby since 2015.

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 File median of 428 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	428 in force
Nearby Flood Claims	31 (2015–2024)
Claims Outside the SFHA	30 of 31
Most Recent Claim	Dec 2024 · rainfall accumulation
Claims by Event	Tropical Storm Debby, Aug 2024 · 12 claims Hurricane Irma, Sep 2017 · 2 claims Hurricane Matthew, Oct 2016 · 14 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 12 Derby Ct is moderate, ranking above 45% of the US, with a 0.08% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 45% of the US · lower than 61% of South Carolina
Wildfire Likelihood	0.08% 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 58 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sparklight Fiber · Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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