Beaufort County property record for 12 Erne Ct, Bluffton, SC 29909
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1,800 sqft · built 2005 |
| Lot Size | 0.319 acres (13,939 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $315,000 (Jan 2021) |
| Tax Bill | $1,620 (2025) |
| Deeds & Mortgages | May 2022 Mortgage May 2022 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 12174187 |
| Primary APN | 12174187 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 1 Bed |
|---|---|
| Total Rooms | 1 Room |
| Stories | 1 Story |
| Building Area | 1,800 sqft Living Area |
| Year Built | Built 2005 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,939 sqft (0.319 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Account Number | 12174187 |
|---|---|
| Old Parcel Number | R603 028 000 1473 0000 |
| Street Address | 12 ERNE CT |
| City | BLUFFTON |
| State | SC |
| Zip | 29909-6095 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 4116 |
| Legal Description | LOT 384 WINDSOR WALK BLK 60 PB104 P176-177 PB106 P137-138 |
| Legal Subdivision | DEL WEBB SUN CITY |
| Legal Block | 60 |
| Legal Lot Number | 384 |
| Jurisdiction | BEAUFORT SC |
| Township / Civil Division | BLUFFTON |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 2109 |
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 | 12 ERNE CT, BLUFFTON, SC 29909-6095 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 31, 2022 | Deed of Trust, Mortgage · Conventional Mortgage LOWER LLC |
| May 31, 2022 | Deed of Trust, Mortgage · Line of Credit LOWER LLC |
| Jan 20, 2021 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Sep 13, 2017 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 20, 2021 · Amount on Record |
| Deed Sale | Jan 20, 2021 · Amount on Record |
| Prior Sale | Sep 13, 2017 · Amount on Record |
| Deed Document Number | 2021004744 |
| Deed Book / Page | 3961 / 1895 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEAUFORT SC |
| Property Address | 12 ERNE CT, BLUFFTON, SC 29909-6095 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000031834 |
|---|---|
| Date | May 31, 2022 |
| Book Page | 4151/199 |
| Instrument | 2022031834 |
| Name | LOWER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MD 21046 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Type Change Date | Jun 1, 2027 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.5% |
| Max Rate At Change | 6% |
| Index | 5-Year CMT |
| Margin | 2 |
| Max Rate | 9% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEAUFORT SC |
| Property Address | 12 ERNE CT, BLUFFTON, SC 29909-6095 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000031835 |
|---|---|
| Date | May 31, 2022 |
| Book Page | 4151/214 |
| Instrument | 2022031835 |
| Name | LOWER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MD 21046 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BEAUFORT SC |
| Recording Date | Jan 20, 2021 |
| Property Address | 12 ERNE CT, BLUFFTON, SC 29909-6095 |
| Document Number | 0000004744 |
| Book / Page | 3961 / 1895 |
| Map Reference | MB 106 PG 137&138 |
| Instrument Date | Jan 4, 2021 |
| Instrument | 2021004744 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $819.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 12 ERNE CT, BLUFFTON, SC 29909-6095 |
| Document Number | 0000004745 |
|---|---|
| Date | Jan 20, 2021 |
| Instrument | 2021004745 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BEAUFORT SC |
| Recording Date | Sep 13, 2017 |
| Property Address | 12 ERNE CT, BLUFFTON, SC 29909-6095 |
| Document Number | 0000049550 |
| Book / Page | 003606 / 000228 |
| Instrument Date | Aug 31, 2017 |
| Instrument | 49550 |
| Transaction Type | Transfer |
| Record Updated | Sep 19, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,034.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 12 ERNE CT BLUFFTON SC 299096095, BLUFFTON, SC 29909-6095 |
Source: Beaufort County assessment roll, as of September 13, 2025
| 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 | $1,620.00 (-0.06%) | $14,490 (-22.35%) | |
| 2024 | $1,621.00 | $18,660 (-) Land $3,464 Building $15,196 | $466,500 (-) Land $86,600 Building $379,900 |
| 2023 | $1,621.00 (-5.48%) | $18,660 (+48.1%) Land $3,464 Building $15,196 | $466,500 (+48.1%) Land $86,600 Building $379,900 |
| 2022 | $1,715.00 | $12,600 Land $2,796 Building $9,804 | $315,000 Land $69,900 Building $245,100 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 370 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 370 in force |
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 | Indirect within 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 280 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
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