Beaufort County property record for 186 Cutter Cir, Bluffton, SC 29909
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 3,010 sqft · built 2007 |
| Lot Size | 0.269 acres (11,761 sqft) |
| Owner | Individual Name on File |
| Last Sale | $965,000 (Jul 2025) |
| Tax Bill | $7,456 (2025) |
| Deeds & Mortgages | Nov 2025 Transfer Jul 2025 Sale |
| Flood Zone | Zone AE (high risk) |
| APN | 11729223 |
| Primary APN | 11729223 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 1 Bed |
|---|---|
| Total Rooms | 1 Room |
| Stories | 1 Story |
| Building Area | 3,010 sqft Living Area |
| Year Built | Built 2007 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,761 sqft (0.269 acres) |
| Garage Type | Attached |
| Garage Area | 990 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 11729223 |
|---|---|
| Old Parcel Number | R603 013 000 0291 0000 |
| Street Address | 186 CUTTER CIR |
| City | BLUFFTON |
| State | SC |
| Zip | 29909-4317 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 4116 |
| Legal Description | LOT 503 RIVERBEND S/D BLK 108A PB102 P1 PB102 P73 |
| Legal Subdivision | RIVERBEND BY SUNCITY |
| Legal Block | 108A |
| Legal Lot Number | 503 |
| Jurisdiction | BEAUFORT SC |
| Township / Civil Division | BLUFFTON |
| Census Block Group | 1 |
| Census Block | 1105 |
| Census Tract | 2202 |
186 Cutter Cir is owned and occupied by an individual who acquired it in November 2025.
Source: Beaufort County records, as of March 11, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | 2 Co-owners on File |
| Mailing Address | 186 CUTTER CIR, BLUFFTON, SC 29909-4317 |
| 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.
| Date | Document |
|---|---|
| Nov 7, 2025 | Intrafamily Transfer, Transfer |
| Jul 23, 2025 | Warranty Deed, Transfer |
| Deed Names | 3 Names on Deed |
|---|---|
| Last Sale | Jul 23, 2025 · Amount on File |
| Deed Sale | Jul 23, 2025 · Amount on File |
| Prior Sale | Jul 23, 2025 · Amount on File |
| Deed Document Number | 0000033324 |
| Deed Book / Page | 4450 / 1492 |
| Last Transfer Date | Nov 7, 2025 |
| Transfer Doc | 0000050529 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BEAUFORT SC |
| Recording Date | Nov 7, 2025 |
| Property Address | 186 CUTTER CIR, BLUFFTON, SC 29909-4317 |
| Document Number | 0000050529 |
| Book / Page | 4481 / 1978 |
| Map Reference | MB 102 PG 73 |
| Instrument Date | Sep 24, 2025 |
| Instrument | 2025050529 |
| Transaction Type | Transfer |
| Record Updated | Mar 12, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 186 CUTTER CIR, BLUFFTON, SC 29909-4317 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BEAUFORT SC |
| Recording Date | Jul 23, 2025 |
| Property Address | 186 CUTTER CIR, BLUFFTON, SC 29909-4317 |
| Document Number | 0000033324 |
| Book / Page | 4450 / 1492 |
| Map Reference | MB 102 PG 73 |
| Instrument Date | Jul 8, 2025 |
| Instrument | 2025033324 |
| Transaction Type | Transfer |
| Record Updated | Mar 12, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $2,509.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 186 CUTTER CIR, BLUFFTON, SC 29909-4317 |
The 2025 property tax bill for 186 Cutter Cir was $7,456, up 1.7% from the year before.
Source: Beaufort County assessment roll, as of September 13, 2025
| Type | Name |
|---|---|
| State | South Carolina |
| County | Beaufort County |
| Unified School District | Beaufort County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,456.00 (+1.72%) | $30,090 (-0.01%) | |
| 2024 | $7,330.00 (+106.13%) | $30,092 (-) Land $4,240 Building $25,852 | $752,300 (-) Land $106,000 Building $646,300 |
| 2023 | $3,556.00 (-2.15%) | $30,092 (+2.75%) Land $4,240 Building $25,852 | $752,300 (+2.75%) Land $106,000 Building $646,300 |
| 2022 | $3,634.00 | $29,288 Land $3,760 Building $25,528 | $732,200 Land $94,000 Building $638,200 |
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 186 Cutter Cir in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective March 23, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 11.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 985 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 985 in force |
| Nearby Flood Claims | 23 (2009–2022) |
| Claims Outside the SFHA | 3 of 23 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| 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 186 Cutter Cir is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.04% 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.
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 67 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Sparklight Fiber | 1,000 / 1,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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