21 Spruce Dr, Bluffton, SC 29910 Property Records

Beaufort County property record for 21 Spruce Dr, Bluffton, SC 29910

Property Summary

Property Type	Single Family Home
Details	1,586 sqft · built 2004
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$227,000 (Sep 2020)
Tax Bill	$1,787 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R61003800011850000`

Property Details

APN / Parcel Number

Primary APN	`R61003800011850000`
Alternative APN	`11543450`

Interior

Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,586 sqft Living Area

Exterior

Year Built	Built 2004
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	7,405 sqft (0.169 acres)
Garage Type	Attached
Garage Area	252 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	11543450
Old Parcel Number	R61003800011850000
Street Address	21 SPRUCE DR
City	BLUFFTON
State	SC
Zip	29910-7902
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	6116
Legal Description	LOT 296 PINE RIDGE S/D PH 3 PB99 P102
Legal Subdivision	PINE RIDGE
Legal Phase	3
Legal Lot Number	296
Jurisdiction	BEAUFORT SC
Township / Civil Division	BLUFFTON
Census Block Group	2
Census Block	2032
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	21 SPRUCE DR, BLUFFTON, SC 29910-7902
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 17, 2020 · Amount on Record
Deed Sale	Sep 17, 2020 · Amount on Record
Prior Sale	Mar 10, 2015 · Amount on Record
Deed Document Number	2020052542
Deed Book / Page	3910 / 93
Record Updated	Jun 8, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEAUFORT SC
Recording Date	Sep 17, 2020
Property Address	21 SPRUCE DR, BLUFFTON, SC 29910-7902
Document Number	0000052542
Book / Page	3910 / 93
Map Reference	MB 99 PG 102
Instrument Date	Sep 3, 2020
Instrument	2020052542
Transaction Type	Transfer
Record Updated	Feb 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$590.20
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	21 SPRUCE DR, BLUFFTON, SC 29910-7902
Investor	Possibly a Property Investor

Mortgage

Document Number	0000052543
Date	Sep 17, 2020
Instrument	2020052543

Lender

Name	GEORGE MASON MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

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	$1,787.00 (-0.06%)	$10,440 (-20.16%)
2024	$1,788.00	$13,076 (-) Land $4,000 Building $9,076	$326,900 (-) Land $100,000 Building $226,900
2023	$1,788.00 (+8.1%)	$13,076 (+44.01%) Land $4,000 Building $9,076	$326,900 (+44.01%) Land $100,000 Building $226,900
2022	$1,654.00	$9,080 Land $1,600 Building $7,480	$227,000 Land $40,000 Building $187,000

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.

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 135 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	135 in force
Nearby Flood Claims	5 (2016–2017)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	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	0.03% annual chance
Exposure	Direct burnable vegetation

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 377 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