Beaufort County property record for 18 Hearth St, Bluffton, SC 29910
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 6 ba · 3,727 sqft · built 2008 |
| Lot Size | 0.36 acres (15,682 sqft) |
| Owner | Company Name on File |
| Last Sale | $1,585,000 (Sep 2020) |
| Tax Bill | $31,230 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage Sep 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R61404700000940000 |
| Primary APN | R61404700000940000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 6 Baths |
| Half Baths | 3 Half Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 3,727 sqft Living Area |
| Fireplace | Fireplace |
| Year Built | Built 2008 |
|---|---|
| Exterior Material | Wood Shingle |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,682 sqft (0.36 acres) |
| Garage Type | Attached |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Patio Area | 497 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 12998047 |
|---|---|
| Old Parcel Number | R61404700000940000 |
| Street Address | 18 HEARTH ST |
| City | BLUFFTON |
| State | SC |
| Zip | 29910-8380 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 6106 |
| Legal Description | LOT 186 PALMETTO BLUFF VILLAGE BLOCK F PB110 P177-181 PB114 P39 |
| Legal Subdivision | PALMETTO BLUFF S/D |
| Legal Block | F |
| Legal Lot Number | 186 |
| Jurisdiction | BEAUFORT SC |
| Township / Civil Division | BLUFFTON |
| Census Block Group | 1 |
| Census Block | 1113 |
| Census Tract | 2102 |
18 Hearth St is owned by a company that bought it in September 2020 and is owner-occupied.
Source: Beaufort County records, as of March 11, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 18 HEARTH ST, BLUFFTON, SC 29910-8380 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 18, 2020 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Sep 15, 2020 | Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 15, 2020 · Amount on File |
| Deed Sale | Sep 15, 2020 · Amount on File |
| Prior Sale | Feb 11, 2013 |
| Deed Document Number | 2020051885 |
| Deed Book / Page | 3908 / 3255 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEAUFORT SC |
| Property Address | 18 HEARTH ST, BLUFFTON, SC 29910-8380 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000052850 |
|---|---|
| Date | Sep 18, 2020 |
| Book Page | 3910/2041 |
| Instrument | 2020052850 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | WESTMONT, IL 60559 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.37% |
| Type Change Date | Oct 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 4.37% |
| Index | 1-Year LIBOR |
| Max Rate | 7.37% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BEAUFORT SC |
| Recording Date | Sep 15, 2020 |
| Property Address | 18 HEARTH ST, BLUFFTON, SC 29910-8380 |
| Document Number | 0000051885 |
| Book / Page | 3908 / 3255 |
| Map Reference | MB 110 PG 177 |
| Instrument Date | Sep 14, 2020 |
| Instrument | 2020051885 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,121.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 18 HEARTH ST, BLUFFTON, SC 29910-8380 |
| Document Number | 0000051886 |
|---|---|
| Date | Sep 15, 2020 |
| Instrument | 2020051886 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
The 2025 property tax bill for 18 Hearth St was $31,230, up 1.5% from the year before.
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 | $31,230.00 (+1.49%) | $109,360 (-) | |
| 2024 | $30,771.00 | $109,360 (-) | $2,119,600 (-) Land $475,000 Building $1,644,600 |
| 2023 | $30,771.00 (+9.93%) | $109,360 (+14.99%) | $2,119,600 (+33.73%) Land $475,000 Building $1,644,600 |
| 2022 | $27,992.00 | $95,100 | $1,585,000 Land $215,000 Building $1,370,000 |
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.
FEMA maps place 18 Hearth St 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 |
|
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 risk around 18 Hearth St is moderate, ranking above 61% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 61% of the US · above 81% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.2% 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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