20 Calhoun St, Bluffton, SC 29910 Property Records

Beaufort County property record for 20 Calhoun St, Bluffton, SC 29910

Property Summary

Property Type	Single Family Home
Details	1 bd · 1.5 ba · 3,816 sqft · built 1890
Lot Size	0.396 acres (17,267 sqft)
Owner	Individual Name on Record
Last Sale	$1,500,000 (Feb 2023)
Tax Bill	$25,683 (2025)
Deeds & Mortgages	Feb 2023 Sale & Mortgage Jan 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R61003900A01300000`

Property Details

APN / Parcel Number

Primary APN	`R61003900A01300000`
Alternative APN	`00519941`

Interior

Bedrooms	1 Bed
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,816 sqft Living Area
1st Floor Area	2,156 sqft
Utility Room	Utility Room

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Exterior Material	Fiber Cement Siding
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Metal
Lot Area	17,267 sqft (0.396 acres)
Porch	Slab

Utilities, Heating & Cooling

Cooling System	None
Heating System	Heat Pump

Location & Zoning

Street Address	20 CALHOUN ST
City	BLUFFTON
State	SC
Zip	29910-7014
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	6116
Legal Description	PB33 PG129 T ACCT 85 CORRECT OWNERSHIP*T ACCT 86 CORRECT OWNERSH PLANTERS MERCAN
Legal Subdivision	HISTORICAL BLUFFTON COMMERCIAL
Jurisdiction	BEAUFORT SC
Township / Civil Division	BLUFFTON
Census Block Group	5
Census Block	5007
Census Tract	2107

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Bluffton Historic District listed 1996 · 48 contributing resources · NRIS 96000686

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Beaufort County records, as of June 19, 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
Mailing Address	60 MYRTLE ISLAND RD, BLUFFTON, SC 29910-7103
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2023	Warranty Deed, Transfer · Seller Carry-Back GREGORY OPER
Jan 11, 2017	Deed of Trust, Mortgage · Conventional Mortgage PALMETTO STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 9, 2023 · Amount on Record
Deed Sale	Feb 9, 2023 · Amount on Record
Deed Document Number	20235840
Deed Book / Page	4217 / 734
Record Updated	Oct 29, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEAUFORT SC
Recording Date	Feb 9, 2023
Property Address	20 CALHOUN ST, BLUFFTON, SC 29910-7014
Document Number	0000005840
Book / Page	4217 / 734
Map Reference	MB 24 PG 89
Instrument Date	Jan 26, 2023
Instrument	2023005840
Transaction Type	Transfer
Record Updated	Apr 30, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,900.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	60 MYRTLE ISLAND RD, BLUFFTON, SC 29910-7103

Mortgage

Document Number	0000005841
Date	Feb 9, 2023
Instrument	2023005841

Lender

Name	GREGORY OPER
Type	Seller

Agreement

Type	Seller Carry-Back
Amount	Amount Recorded
Term	60 Months
Due	Feb 1, 2028

Mortgage

Document Number	0000007335
Date	Feb 21, 2023
Book Page	4219/1953
Instrument	2023007335

Lender

Name	PALMETTO STATE BANK
Type	Bank
Address	BLUFFTON, SC 29910

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEAUFORT SC
Property Address	20 CALHOUN ST, BLUFFTON, SC 29910-7014
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001773
Date	Jan 11, 2017
Book Page	3544/0859
Instrument	2017001773

Lender

Name	PALMETTO STATE BANK
Type	Bank
Address	BLUFFTON, SC 29910

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	62 Months
Due	Mar 5, 2022

Tax Assessment & Valuation

Source: Beaufort County assessment roll, as of March 12, 2026

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	$25,683.00 (+1.49%)	$90,000 (-)
2024	$25,305.00 (+629.46%)	$90,000 (+444.14%)	$1,500,000 (-) Land $420,000 Building $1,080,000
2023	$3,469.00 (+9.02%)	$16,540 (+28.06%)	$1,500,000 (+364.54%) Land $420,000 Building $1,080,000
2022	$3,182.00	$12,916 Land $6,668 Building $6,248	$322,900 Land $166,700 Building $156,200

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
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	Hurricane Irma, Sep 2017 · 8 claims Hurricane Matthew, Oct 2016 · 4 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 80% of the US · lower than 96% of South Carolina
Wildfire Likelihood	0.01% 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 208 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Sparklight Fiber · Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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