Beaufort County property record for 19 Cutter Cir, Bluffton, SC 29909
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 2,579 sqft · built 1999 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $750,000 (Aug 2025) |
| Tax Bill | $3,702 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Aug 2025 Sale & Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08295258 |
| Primary APN | 08295258 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,579 sqft Living Area |
| 1st Floor Area | 2,579 sqft |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 10,890 sqft (0.25 acres) |
| Garage Type | Attached |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Patio Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Street Address | 19 CUTTER CIR |
|---|---|
| City | BLUFFTON |
| State | SC |
| Zip | 29909-4312 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 4116 |
| Legal Description | LOT 11 RIVERBEND S/D BLK 100 A PB65 P141 PB74 P174 PB77 P68 PB91 P21-26 PB101 P7 |
| Legal Subdivision | RIVERBEND BY SUNCITY |
| Legal Block | 100 |
| Legal Lot Number | 11 |
| Jurisdiction | BEAUFORT SC |
| Township / Civil Division | BLUFFTON |
| Census Block Group | 1 |
| Census Block | 1115 |
| Census Tract | 2202 |
19 Cutter Cir is owned and occupied by two individuals who bought it in August 2025.
Source: Beaufort County records, as of April 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 19 CUTTER CIR, BLUFFTON, SC 29909-4312 |
| 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 |
|---|---|
| Feb 9, 2026 | Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK |
| Aug 11, 2025 | Warranty Deed, Transfer · Line of Credit TRUIST BANK |
| Jul 26, 2023 | Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA |
| Aug 9, 2022 | Deed of Trust, Mortgage · Conventional Mortgage PRIMELENDING |
| Jul 18, 2022 | Intrafamily Transfer, Transfer · Conventional Mortgage PRIMELENDING |
| Oct 21, 2021 | Deed, Transfer · Conventional Mortgage PRIMELENDING |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 11, 2025 · Amount on File |
| Deed Sale | Aug 11, 2025 · Amount on File |
| Prior Sale | Jul 26, 2023 · Amount on File |
| Deed Document Number | 202536328 |
| Deed Book / Page | 4455 / 2483 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEAUFORT SC |
| Property Address | 19 CUTTER CIR, BLUFFTON, SC 29909-4312 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 55 GARDNER DR, HILTON HEAD ISLAND, SC 29926-2412 |
| Document Number | 0000005991 |
|---|---|
| Date | Feb 9, 2026 |
| Book Page | 4506/2625 |
| Instrument | 2026005991 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | 1001 SEMMES AVE, RICHMOND, VA 23224 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 355 Months |
| Due | Sep 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BEAUFORT SC |
| Recording Date | Aug 11, 2025 |
| Property Address | 19 CUTTER CIR, BLUFFTON, SC 29909-4312 |
| Document Number | 0000036328 |
| Book / Page | 4455 / 2483 |
| Map Reference | MB 77 PG 68 |
| Instrument Date | Jul 25, 2025 |
| Instrument | 2025036328 |
| Transaction Type | Transfer |
| Record Updated | Mar 12, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,950.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 111 CUTTER CIR, BLUFFTON, SC 29909-4330 |
| Name | Verified Name |
|---|---|
| Address | 19 CUTTER CIR, BLUFFTON, SC 29909-4312 |
| Document Number | 0000036329 |
|---|---|
| Date | Aug 11, 2025 |
| Instrument | 2025036329 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BEAUFORT SC |
| Recording Date | Jul 26, 2023 |
| Property Address | 19 CUTTER CIR, BLUFFTON, SC 29909-4312 |
| Document Number | 0000035289 |
| Book / Page | 4261 / 2186 |
| Map Reference | MB 77 PG 68 |
| Instrument Date | Jul 13, 2023 |
| Instrument | 2023035289 |
| Transaction Type | Transfer |
| Record Updated | Mar 12, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,924.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 19 CUTTER CIR, BLUFFTON, SC 29909-4312 |
| Document Number | 0000035291 |
|---|---|
| Date | Jul 26, 2023 |
| Instrument | 2023035291 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEAUFORT SC |
| Property Address | 19 CUTTER CIR, BLUFFTON, SC 29909-4312 |
| Transaction Type | Mortgage |
| Record Updated | Apr 4, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000045571 |
|---|---|
| Date | Aug 9, 2022 |
| Book Page | 4172/127 |
| Instrument | 2022045571 |
| Name | PRIMELENDING |
|---|---|
| Type | Mortgage Company |
| Address | DALLAS, TX 75252 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BEAUFORT SC |
| Recording Date | Jul 18, 2022 |
| Property Address | 19 CUTTER CIR, BLUFFTON, SC 29909-4312 |
| Document Number | 0000041254 |
| Book / Page | 4165 / 399 |
| Map Reference | MB 77 PG 68 |
| Instrument Date | Jul 13, 2022 |
| Instrument | 2022041254 |
| Transaction Type | Transfer |
| Record Updated | Mar 12, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 19 CUTTER CIR, BLUFFTON, SC 29909-4312 |
| Document Number | 0000045571 |
|---|---|
| Date | Jul 18, 2022 |
| Instrument | 2022045571 |
| Name | PRIMELENDING |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BEAUFORT SC |
| Recording Date | Oct 21, 2021 |
| Property Address | 19 CUTTER CIR, BLUFFTON, SC 29909-4312 |
| Document Number | 0000074415 |
| Book / Page | 4074 / 3299 |
| Map Reference | MB 77 PG 68 |
| Instrument Date | Oct 18, 2021 |
| Instrument | 2021074415 |
| Transaction Type | Transfer |
| Record Updated | Mar 12, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,625.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 114 N HERMITAGE RD, BEAUFORT, SC 29902-5353 |
| Document Number | 0000074416 |
|---|---|
| Date | Oct 21, 2021 |
| Instrument | 2021074416 |
| Name | PRIMELENDING |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
The 2025 property tax bill for 19 Cutter Cir was $3,702, down 0.1% from the year before.
Source: Beaufort County assessment roll, as of March 12, 2026
| 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 | $3,702.00 (-0.08%) | $29,600 (-) | |
| 2024 | $3,705.00 (+20.96%) | $29,600 (+21.67%) Land $4,240 Building $25,360 | $740,000 (-) Land $106,000 Building $634,000 |
| 2023 | $3,063.00 (-68.15%) | $24,328 (-2.69%) Land $4,240 Building $20,088 | $740,000 (+18.4%) Land $106,000 Building $634,000 |
| 2022 | $9,617.00 | $25,000 Land $3,760 Building $21,240 | $625,000 Land $94,000 Building $531,000 |
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 19 Cutter Cir in Zone X, an area of minimal flood risk, though there have been 23 flood claims nearby since 2009.
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 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 19 Cutter Cir 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 | 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 115 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Sparklight Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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