125 Flatwater Dr, Bluffton, SC 29910 Property Records

Beaufort County property record for 125 Flatwater Dr, Bluffton, SC 29910

Property Summary

Property Type	Single Family Home
Details	4 bd · 7.5 ba · 3,979 sqft · built 2020
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,450,000 (Nov 2023)
Tax Bill	$9,362 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Nov 2023 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`242003952`

Property Details

APN / Parcel Number

Primary APN	`242003952`
Alternative APN	`R614 029 000 1857 0000`

Interior

Bedrooms	4 Beds
Full Baths	7.5 Baths
Half Baths	5 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,979 sqft Living Area

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,326 sqft (0.26 acres)

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	125 FLATWATER DR
City	BLUFFTON
State	SC
Zip	29910-9348
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3076 HAMPTON LAKE PH 3 PB141 PG64-68
Legal Subdivision	HAMPTON LAKE
Legal Phase	3
Legal Lot Number	3076
Jurisdiction	BEAUFORT SC
Township / Civil Division	BLUFFTON
Census Block Group	2
Census Block	2005
Census Tract	2103

Owner

Source: Beaufort County records, as of July 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	125 FLATWATER DR, BLUFFTON, SC 29910-9348
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2024	Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE
Nov 17, 2023	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Apr 22, 2021	Warranty Deed, Transfer · Conventional Mortgage CPM FCU
Dec 19, 2018	Deed of Trust, Mortgage · Construction Mortgage UNITED COMMUNITY BANK
Mar 12, 2020	Loan Modification, Mortgage UNITED CMNTY BK
Dec 12, 2017	Limited Warranty Deed, Transfer · Line of Credit UNITED COMMUNITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 17, 2023 · Amount on Record
Deed Sale	Nov 17, 2023 · Amount on Record
Prior Sale	Apr 22, 2021 · Amount on Record
Deed Document Number	202353618
Deed Book / Page	4290 / 3309
Record Updated	Sep 20, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEAUFORT SC
Property Address	125 FLATWATER DR, BLUFFTON, SC 29910-9348
Transaction Type	Mortgage
Record Updated	Jan 16, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	350 WARREN ST 303, 303, JERSEY CITY, NJ 07302-2581

Mortgage

Document Number	0000000185
Date	Jan 3, 2024
Book Page	4300/1917
Instrument	2024000185

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.37%
Type Change Date	Dec 1, 2030
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	12.3%
Max Rate	12.3%

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEAUFORT SC
Recording Date	Nov 17, 2023
Property Address	125 FLATWATER DR, BLUFFTON, SC 29910-9348
Document Number	0000053618
Book / Page	4290 / 3309
Map Reference	MB 141 PG 64
Instrument Date	Nov 14, 2023
Instrument	2023053618
Transaction Type	Transfer
Record Updated	Dec 13, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,770.00
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	125 FLATWATER DR, BLUFFTON, SC 29910-9348

Mortgage

Document Number	0000053619
Date	Nov 17, 2023
Instrument	2023053619

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.37%
Type Change Date	Dec 1, 2030
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	12.3%
Max Rate	12.3%

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEAUFORT SC
Recording Date	Apr 22, 2021
Property Address	125 FLATWATER DR, BLUFFTON, SC 29910-9348
Document Number	0000028998
Book / Page	4001 / 2420
Map Reference	MB 141 PG 64
Instrument Date	Apr 1, 2021
Instrument	2021028998
Transaction Type	Transfer
Record Updated	Apr 4, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,885.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 FLATWATER DR, BLUFFTON, SC 29910-9348

Mortgage

Document Number	0000028999
Date	Apr 22, 2021
Instrument	2021028999

Lender

Name	CPM FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2041

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEAUFORT SC
Property Address	125 FLATWATER DR, BLUFFTON, SC 29910-9348
Transaction Type	Mortgage
Record Updated	Mar 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000067632
Date	Dec 19, 2018
Book Page	3722/2995
Instrument	2018067632

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	BLAIRSVILLE, GA 30514

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Jan 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	Jan 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.87%
Index	1-Year LIBOR
Max Rate	9.87%

March 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BEAUFORT SC
Property Address	125 FLATWATER DR, BLUFFTON, SC 29910-9348
Document Number	0000017749
Instrument Date	Mar 12, 2020
Transaction Type	Mortgage
Record Updated	Jun 1, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	125 FLATWATER DR BLUFFTON SC 299109348, BLUFFTON, SC 29910-9348

Mortgage

Document Number	0000017749
Date	Apr 3, 2020
Book Page	003851/003106
Instrument	17749

Lender

Name	UNITED CMNTY BK
Type	Bank
Address	BLAIRSVILLE, GA 30514

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 2, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.75%

December 2017: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	BEAUFORT SC
Recording Date	Dec 12, 2017
Property Address	125 FLATWATER DR, BLUFFTON, SC 29910-9348
Document Number	0000067480
Book / Page	3628 / 3093
Map Reference	MB 141 PG 64
Instrument Date	Dec 6, 2017
Instrument	2017067480
Transaction Type	Transfer
Record Updated	Feb 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$351.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 MAHALO LN, BLUFFTON, SC 29910-7870

Mortgage

Document Number	0000067506
Date	Dec 12, 2017
Instrument	2017067506

Lender

Name	UNITED COMMUNITY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Dec 11, 2032

Tax Assessment & Valuation

Source: Beaufort County assessment roll, as of March 12, 2026

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	$9,362.00 (-0.06%)	$58,000 (-)
2024	$9,368.00 (-34.03%)	$58,000 (+21.06%) Land $8,600 Building $49,400	$1,450,000 (-) Land $215,000 Building $1,235,000
2023	$14,201.00 (+9.82%)	$47,912 (+65.21%) Land $8,600 Building $39,312	$1,450,000 (+1%) Land $215,000 Building $1,235,000
2022	$12,931.00	$29,000 Land $4,000 Building $25,000	$725,000 Land $100,000 Building $625,000

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

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 407 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	407 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.

Wildfire

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

Wildfire Risk	Low lower than 67% of the US · lower than 94% of South Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 192 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Sparklight DSL	30 / 5

May also be available: AT&T, Hotwire Communications, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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