Beaufort County property record for 2 Lawrence St, Bluffton, SC 29910
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 2,242 sqft · built 2006 |
| Lot Size | 0.189 acres (8,276 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $89,900 (Nov 2004) |
| Tax Bill | $2,765 (2025) |
| Deeds & Mortgages | Jul 2019 Mortgage Dec 2018 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R61003900A01740000 |
| Primary APN | R61003900A01740000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 1 Bed |
|---|---|
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,242 sqft Living Area |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 8,276 sqft (0.189 acres) |
| Garage Type | Carport |
| Garage Area | 70 sqft |
| Carport | Carport |
| Porch | Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 00520421 |
|---|---|
| Old Parcel Number | R61003900A01740000 |
| Street Address | 2 LAWRENCE ST |
| City | BLUFFTON |
| State | SC |
| Zip | 29910-7020 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 4116 |
| Legal Description | LOT 1 POR TOWN OF BLUFFTON PB98 P188 PB102 P40 12/04 1 LOT MGFM:KEY#00520430 SPL |
| Legal Subdivision | BLUFFTON |
| Legal Lot Number | 1 |
| Jurisdiction | BEAUFORT SC |
| Township / Civil Division | BLUFFTON |
| Census Block Group | 5 |
| Census Block | 5031 |
| Census Tract | 2107 |
Source: Beaufort County assessment roll, as of September 13, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 1818, BLUFFTON, SC 29910-1818 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 19, 2019 | Deed of Trust, Mortgage · Conventional Mortgage COGENT BANK |
| Dec 27, 2018 | Deed of Trust, Mortgage · Conventional Mortgage COGENT BANK |
| Jan 8, 2020 | Deed of Trust, Mortgage · Line of Credit COGENT BANK |
| Sep 30, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO |
| Mar 23, 2017 | Deed of Trust, Mortgage · Line of Credit BANK OF NC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 4, 2004 · Amount on Record |
| Deed Sale | Nov 4, 2004 · Amount on Record |
| Prior Sale | Apr 16, 2004 · Amount on Record |
| Deed Document Number | 2004079699 |
| Deed Book / Page | 2047 / 1407 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEAUFORT SC |
| Property Address | 2 LAWRENCE ST, BLUFFTON, SC 29910-7020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000038293 |
|---|---|
| Date | Jul 19, 2019 |
| Book Page | 3778/0161 |
| Instrument | 2019038293 |
| Name | COGENT BANK |
|---|---|
| Type | Bank |
| Address | NASHVILLE, TN 37201 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Aug 1, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEAUFORT SC |
| Property Address | 2 LAWRENCE ST, BLUFFTON, SC 29910-7020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000068425 |
|---|---|
| Date | Dec 27, 2018 |
| Book Page | 3723/3248 |
| Instrument | 2018068425 |
| Name | COGENT BANK |
|---|---|
| Type | Bank |
| Address | NASHVILLE, TN 37201 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jan 1, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEAUFORT SC |
| Property Address | 2 LAWRENCE ST, BLUFFTON, SC 29910-7020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000001353 |
|---|---|
| Date | Jan 8, 2020 |
| Book Page | 3826/2373 |
| Instrument | 2020001353 |
| Name | COGENT BANK |
|---|---|
| Type | Bank |
| Address | HILTON HEAD ISLAND, SC 29928 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 2, 2040 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEAUFORT SC |
| Property Address | 2 LAWRENCE ST, BLUFFTON, SC 29910-7020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000069332 |
|---|---|
| Date | Sep 30, 2021 |
| Book Page | 4066/2370 |
| Instrument | 2021069332 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92111 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEAUFORT SC |
| Property Address | 2 LAWRENCE ST, BLUFFTON, SC 29910-7020 |
| Document Number | 0000015072 |
| Book / Page | 003562 / 000321 |
| Instrument Date | Mar 23, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2017 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 2 LAWRENCE ST BLUFFTON SC 299107020, BLUFFTON, SC 29910-7020 |
| Document Number | 0000015072 |
|---|---|
| Date | Mar 28, 2017 |
| Book Page | 003562/000321 |
| Instrument | 15072 |
| Name | BANK OF NC |
|---|---|
| Type | Bank |
| Address | THOMASVILLE, NC 27361-1148 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 27, 2032 |
| Rate Type | Adjustable Rate |
|---|
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 | $2,765.00 (-0.07%) | $16,640 (-) | |
| 2024 | $2,767.00 | $16,640 (-) | $984,100 (-) Land $189,500 Building $794,600 |
| 2023 | $2,767.00 (+8.38%) | $16,640 (+15%) | $984,100 (+165.33%) Land $189,500 Building $794,600 |
| 2022 | $2,553.00 | $14,470 | $370,900 Land $99,800 Building $271,100 |
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.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 87 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 87 in force |
| Nearby Flood Claims | 13 (2016–2024) |
| Claims Outside the SFHA | 2 of 13 |
| Most Recent Claim | Aug 2024 · Tropical Storm Debby |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 91% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.03% 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 325 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Sparklight Fiber · Cable | 1,000 / 1,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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