121 Scarlet Oak, Bluffton, SC 29910 Property Records

Beaufort County property record for 121 Scarlet Oak, Bluffton, SC 29910

Property Summary

Property Type	Single Family Home
Details	3 bd · 6 ba · 2,330 sqft · built 2018
Lot Size	0.144 acres (6,316 sqft)
Owner	Individual Name on File
Last Sale	$325,000 (Jul 2021)
Tax Bill	$4,203 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit Jul 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`242006920`

Property Details

APN / Parcel Number

Primary APN	`242006920`
Alternative APN	`R614 036 000 1293 0000`

Interior

Bedrooms	3 Beds
Full Baths	6 Baths
Half Baths	3 Half Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,330 sqft Living Area

Exterior

Year Built	Built 2018
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,316 sqft (0.144 acres)

Utilities, Heating & Cooling

Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Account Number	242006920
Street Address	121 SCARLET OAK
City	BLUFFTON
State	SC
Zip	29910-4436
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT PH3-21 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

121 Scarlet Oak is owned and occupied by an individual who bought it in July 2021.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	121 SCARLET OAK, BLUFFTON, SC 29910-4436
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
Feb 21, 2024	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Jul 13, 2021	Deed, Transfer · Conventional Mortgage PALMETTO STATE BANK
Feb 26, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Mar 5, 2018	Limited Warranty Deed, Subdivision Related Transfer · FHA Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2021 · Amount on File
Deed Sale	Jul 13, 2021 · Amount on File
Prior Sale	Feb 26, 2019
Deed Document Number	2021050746
Deed Book / Page	4036 / 2511
Record Updated	Jun 8, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEAUFORT SC
Property Address	121 SCARLET OAK, BLUFFTON, SC 29910-4436
Transaction Type	Mortgage
Record Updated	Mar 1, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 SCARLET OAK, BLUFFTON, SC 29910-4436

Mortgage

Document Number	0000007747
Date	Feb 21, 2024
Book Page	4311/2937
Instrument	2024007747

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	Mar 1, 2064

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	BEAUFORT SC
Recording Date	Jul 13, 2021
Property Address	121 SCARLET OAK, BLUFFTON, SC 29910-4436
Document Number	0000050746
Book / Page	4036 / 2511
Map Reference	MB 147 PG 34
Instrument Date	Jun 23, 2021
Instrument	2021050746
Transaction Type	Transfer
Record Updated	Jul 23, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$845.00
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	121 SCARLET OAK, BLUFFTON, SC 29910-4436

Mortgage

Document Number	0000050747
Date	Jul 13, 2021
Instrument	2021050747

Lender

Name	PALMETTO STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BEAUFORT SC
Recording Date	Feb 26, 2019
Property Address	121 SCARLET OAK, BLUFFTON, SC 29910-4436
Document Number	0000009774
Book / Page	003740 / 000494
Instrument Date	Feb 22, 2019
Instrument	9774
Transaction Type	Transfer
Record Updated	Mar 11, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	121 SCARLET OAK BLUFFTON SC 299104436, BLUFFTON, SC 29910-4436

March 2018: Limited Warranty Deed, Subdivision Related Transfer

Document Type	Limited Warranty Deed
Jurisdiction	BEAUFORT SC
Recording Date	Mar 5, 2018
Property Address	121 SCARLET OAK, BLUFFTON, SC 29910-4436
Document Number	0000011577
Book / Page	3648 / 2941
Map Reference	MB 147 PG 34
Instrument Date	Feb 28, 2018
Instrument	2018011577
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 22, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$919.45
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	121 SCARLET OAK, BLUFFTON, SC 29910-4436

Mortgage

Document Number	0000011580
Date	Mar 5, 2018
Instrument	2018011580

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 121 Scarlet Oak was $4,203, down 3.1% 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	$4,203.00 (-3.09%)	$14,810 (-4.53%)
2024	$4,337.00 (+75.02%)	$15,512 (-) Land $2,920 Building $12,592	$387,800 (-) Land $73,000 Building $314,800
2023	$2,478.00 (-57.19%)	$15,512 (+20.43%) Land $2,920 Building $12,592	$387,800 (+20.43%) Land $73,000 Building $314,800
2022	$5,788.00	$12,880 Land $2,520 Building $10,360	$322,000 Land $63,000 Building $259,000

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 121 Scarlet Oak in Zone X, an area of minimal flood risk, though there have been 13 flood claims nearby since 1991.

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 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

Wildfire risk around 121 Scarlet Oak is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 87% of South Carolina
Wildfire Likelihood	0.05% 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 109 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

May also be available: Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

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