164 White Oaks Cir, Bluffton, SC 29910 Property Records

Beaufort County property record for 164 White Oaks Cir, Bluffton, SC 29910

Property Summary

Property Type	Single Family Home
Details	1 bd · 4,190 sqft · built 1992
Owner	Individual Name on Record
Last Sale	$559,000 (Dec 2020)
Tax Bill	$3,264 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage Dec 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`R60003100A03620000`

Property Details

APN / Parcel Number

Primary APN	`R60003100A03620000`
Alternative APN	`03677195`

Interior

Bedrooms	1 Bed
Total Rooms	7 Rooms
Stories	1 Story
Building Area	4,190 sqft Living Area
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Raised
Roof Type	Hip
Roof Material	Asphalt
Garage Type	Attached
Garage Area	1,100 sqft
Parking Spaces	4 Parking Spaces
Porch	Enclosed Porch
Deck Area	320 sqft
Patio Area	528 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	03677195
Old Parcel Number	R60003100A03620000
Street Address	164 WHITE OAKS CIR
City	BLUFFTON
State	SC
Zip	29910-5722
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	4116
Legal Description	LOT 896 BLK K ROSEHILL PLANT. PB 35 P 266
Legal Subdivision	ROSEHILL GOLF SIDE
Legal Block	K
Legal Lot Number	896
Jurisdiction	BEAUFORT SC
Township / Civil Division	BLUFFTON
Census Block Group	3
Census Block	3010
Census Tract	2106

Owner

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	164 WHITE OAKS CIR, BLUFFTON, SC 29910-5722
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2020	Deed, Transfer · Conventional Mortgage MORTGAGE NETWORK INC
Dec 22, 2018	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 28, 2020 · Amount on Record
Deed Sale	Dec 28, 2020 · Amount on Record
Prior Sale	May 19, 2010
Deed Document Number	2020076799
Deed Book / Page	3951 / 1205
Record Updated	Jun 8, 2026

December 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	BEAUFORT SC
Recording Date	Dec 28, 2020
Property Address	164 WHITE OAKS CIR, BLUFFTON, SC 29910-5722
Document Number	0000076799
Book / Page	3951 / 1205
Map Reference	MB 35 PG 266
Instrument Date	Dec 18, 2020
Instrument	2020076799
Transaction Type	Transfer
Record Updated	Feb 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,453.40
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	164 WHITEOAKS CIR, BLUFFTON, SC 29910-5722

Mortgage

Document Number	0000076802
Date	Dec 28, 2020
Instrument	2020076802

Lender

Name	MORTGAGE NETWORK INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEAUFORT SC
Property Address	164 WHITE OAKS CIR, BLUFFTON, SC 29910-5722
Document Number	0000000003
Instrument Date	Dec 22, 2018
Transaction Type	Mortgage
Record Updated	Jan 15, 2019
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	164 WHITEOAKS CIR BLUFFTON SC 299105722, BLUFFTON, SC 29910-5722

Mortgage

Document Number	0000000003
Date	Jan 2, 2019
Book Page	003725/002098
Instrument	3

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jan 1, 2039

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Beaufort County assessment roll, as of September 13, 2025

Property Jurisdictions

Type	Name
State	South Carolina
County	Beaufort County
Unified School District	Beaufort County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,264.00 (-0.06%)	$25,710 (-27.11%)
2024	$3,266.00 (+1.08%)	$35,272 (-) Land $5,880 Building $29,392	$881,800 (-) Land $147,000 Building $734,800
2023	$3,231.00 (-62.48%)	$35,272 (+57.75%) Land $5,880 Building $29,392	$881,800 (+57.75%) Land $147,000 Building $734,800
2022	$8,612.00	$22,360 Land $2,680 Building $19,680	$559,000 Land $67,000 Building $492,000

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 166 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	166 in force
Nearby Flood Claims	7 (1999–2016)
Claims Outside the SFHA	7 of 7
Most Recent Claim	Oct 2016 · Hurricane Matthew
Claims by Event	Hurricane Matthew, Oct 2016 · 2 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

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

Wildfire Risk	Moderate above 40% of the US · lower than 78% of South Carolina
Wildfire Likelihood	0.05% 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 137 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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