197 Cotton Field Ln E, Bluffton, SC 29910 Property Records

Beaufort County property record for 197 Cotton Field Ln E, Bluffton, SC 29910

Property Summary

Property Type	Single Family Home
Details	6 bd · 3,308 sqft · built 2003
Owner	Individual Name on Record
Last Sale	$420,000 (Dec 2022)
Tax Bill	$2,683 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R61003800006340000`

Property Details

APN / Parcel Number

Primary APN	`R61003800006340000`
Alternative APN	`10463984`

Interior

Bedrooms	6 Beds
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,308 sqft Living Area

Exterior

Year Built	Built 2003
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Patio Area	55 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	10463984
Old Parcel Number	R61003800006340000
Street Address	197 COTTON FIELD LN E
City	BLUFFTON
State	SC
Zip	29910-5894
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	4116
Legal Description	LOT 197 THE FARM AT BUCKWALTER PH 2 PB87 PG145-152 PB90 PG110-117
Legal Subdivision	THE FARM AT BUCKWALTER
Legal Phase	2
Legal Lot Number	197
Jurisdiction	BEAUFORT SC
Township / Civil Division	BLUFFTON
Census Block Group	1
Census Block	1021
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	197 COTTON FIELD LN E, BLUFFTON, SC 29910-5894
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2022	Deed, Transfer · Conventional Mortgage COASTALSTATES MORTGAGE INC
Jul 21, 2022	Warranty Deed, Transfer · Conventional Mortgage NORTHPOINTE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 2022 · Amount on Record
Deed Sale	Dec 6, 2022 · Amount on Record
Prior Sale	Jul 21, 2022 · Amount on Record
Deed Document Number	2022065325
Deed Book / Page	4202 / 3074
Record Updated	Jun 8, 2026

December 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	BEAUFORT SC
Recording Date	Dec 6, 2022
Property Address	197 COTTON FIELD LN E, BLUFFTON, SC 29910-5894
Document Number	0000065325
Book / Page	4202 / 3074
Map Reference	MB 90 PG 110
Instrument Date	Nov 15, 2022
Instrument	2022065325
Transaction Type	Transfer
Record Updated	Dec 15, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,092.00
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	197 COTTON FIELD LN E, BLUFFTON, SC 29910-5894

Mortgage

Document Number	0000065326
Date	Dec 6, 2022
Instrument	2022065326

Lender

Name	COASTALSTATES MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2052

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEAUFORT SC
Recording Date	Jul 21, 2022
Property Address	197 COTTON FIELD LN E, BLUFFTON, SC 29910-5894
Document Number	0000042258
Book / Page	4166 / 2362
Map Reference	MB 90 PG 110
Instrument Date	Jun 27, 2022
Instrument	2022042258
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	WEEKS AND IRVINE LLC, WEEKS & IRVINE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,053.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 COTTON FIELD LN E, BLUFFTON, SC 29910-5894
Investor	Possibly a Property Investor

Mortgage

Document Number	0000042259
Date	Jul 21, 2022
Instrument	2022042259

Lender

Name	NORTHPOINTE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

Tax Assessment & Valuation

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

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	$2,683.00 (-0.04%)	$16,120 (-)
2024	$2,684.00 (-61.11%)	$16,120 (-) Land $4,000 Building $12,120	$403,000 (-) Land $100,000 Building $303,000
2023	$6,901.00 (+450.76%)	$16,120 (+100.2%) Land $4,000 Building $12,120	$403,000 (+100.2%) Land $100,000 Building $303,000
2022	$1,253.00	$8,052 Land $2,200 Building $5,852	$201,300 Land $55,000 Building $146,300

Assessed value is set for property tax purposes, not a market price estimate; it is 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 428 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	428 in force
Nearby Flood Claims	31 (2015–2024)
Claims Outside the SFHA	30 of 31
Most Recent Claim	Dec 2024 · rainfall accumulation
Claims by Event	Tropical Storm Debby, Aug 2024 · 12 claims Hurricane Irma, Sep 2017 · 2 claims Hurricane Matthew, Oct 2016 · 14 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	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 340 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sparklight Fiber · Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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