Beaufort County property record for 12 Gilded St, Bluffton, SC 29910
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 1,118 sqft · built 2013 |
| Lot Size | 0.319 acres (13,939 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $580,000 (Jun 2017) |
| Tax Bill | $8,740 (2025) |
| Deeds & Mortgages | Feb 2022 Line of Credit Oct 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R61404600000190000 |
| Primary APN | R61404600000190000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,118 sqft Living Area |
| Fireplace | Fireplace |
| Year Built | Built 2013 |
|---|---|
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 13,939 sqft (0.319 acres) |
| Porch | Open Porch |
| Patio Area | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 13024631 |
|---|---|
| Old Parcel Number | R61404600000190000 |
| Street Address | 12 GILDED ST |
| City | BLUFFTON |
| State | SC |
| Zip | 29910-7706 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 6106 |
| Legal Description | LOT 311 PALMETTO BLUFF VILLAGE BLOCK E PB114 P107-109 |
| Legal Subdivision | PALMETTO BLUFF S/D |
| Legal Block | E |
| Legal Lot Number | 311 |
| Jurisdiction | BEAUFORT SC |
| Township / Civil Division | BLUFFTON |
| Census Block Group | 1 |
| Census Block | 1140 |
| Census Tract | 2102 |
Source: Beaufort County records, as of March 11, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 1500 MATAOKA ST, MOUNT PLEASANT, SC 29464-4839 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 22, 2022 | Deed of Trust, Mortgage · Line of Credit TD BANK NA |
| Oct 29, 2019 | Deed of Trust, Mortgage · Conventional Mortgage TD BANK NA |
| Jun 27, 2017 | Deed, Transfer · ARM TD BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 27, 2017 · Amount on Record |
| Deed Sale | Jun 27, 2017 · Amount on Record |
| Prior Sale | Dec 28, 2011 · Amount on Record |
| Deed Document Number | 2017034266 |
| Deed Book / Page | 3585 / 2801 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEAUFORT SC |
| Property Address | 12 GILDED ST, BLUFFTON, SC 29910-7706 |
| Transaction Type | Mortgage |
| Record Updated | Mar 4, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000010816 |
|---|---|
| Date | Feb 22, 2022 |
| Book Page | 4117/763 |
| Instrument | 2022010816 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19808 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 11, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEAUFORT SC |
| Property Address | 12 GILDED ST, BLUFFTON, SC 29910-7706 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000058640 |
|---|---|
| Date | Oct 29, 2019 |
| Book Page | 3807/0760 |
| Instrument | 2019058640 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19808 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.87% |
| Type Change Date | Nov 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 7.87% |
| Index | 1-Year LIBOR |
| Max Rate | 7.87% |
| Document Type | Deed |
|---|---|
| Jurisdiction | BEAUFORT SC |
| Recording Date | Jun 27, 2017 |
| Property Address | 12 GILDED ST, BLUFFTON, SC 29910-7706 |
| Document Number | 0000034266 |
| Book / Page | 3585 / 2801 |
| Map Reference | MB 114 PG 107 |
| Instrument Date | Jun 1, 2017 |
| Instrument | 2017034266 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,146.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1441 SCOTTS CREEK CIR, MOUNT PLEASANT, SC 29464-4769 |
| Document Number | 0000034267 |
|---|---|
| Date | Jun 27, 2017 |
| Instrument | 2017034267 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
| Type Change Date | Jul 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.37% |
| Index | 1-Year LIBOR |
| Max Rate | 8.37% |
Source: Beaufort County assessment roll, as of September 13, 2025
| Type | Name |
|---|---|
| State | South Carolina |
| County | Beaufort County |
| Municipality | Bluffton Town |
| Unified School District | Beaufort County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,740.00 (+1.47%) | $30,300 (-) | |
| 2024 | $8,613.00 | $30,300 (-) | $585,600 (-) Land $215,000 Building $370,600 |
| 2023 | $8,613.00 (+9.82%) | $30,300 (+14.99%) | $585,600 (-) Land $215,000 Building $370,600 |
| 2022 | $7,843.00 | $26,350 | $585,600 Land $215,000 Building $370,600 |
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 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 |
|
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 | Moderate above 50% of the US · above 54% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
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 127 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Sparklight Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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