Beaufort County property record for 25 Spruce Dr, Bluffton, SC 29910
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,586 sqft · built 2004 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $220,000 (Oct 2020) |
| Tax Bill | $1,737 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Feb 2024 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R61003800011870000 |
| Primary APN | R61003800011870000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,586 sqft Living Area |
| 1st Floor Area | 1,586 sqft |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Asphalt |
| Lot Area | 6,098 sqft (0.14 acres) |
| Garage Type | Attached |
| Garage Area | 252 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Street Address | 25 SPRUCE DR |
|---|---|
| City | BLUFFTON |
| State | SC |
| Zip | 29910-7902 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 4116 |
| Legal Description | LOT 298 PINE RIDGE S/D PH 3 PB99 P102 |
| Legal Subdivision | PINE RIDGE |
| Legal Phase | 3 |
| Legal Lot Number | 298 |
| Jurisdiction | BEAUFORT SC |
| Township / Civil Division | BLUFFTON |
| Census Block Group | 2 |
| Census Block | 2032 |
| Census Tract | 2106 |
Source: Beaufort County records, as of July 24, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 25 SPRUCE DR, BLUFFTON, SC 29910-7902 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 13, 2026 | Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT |
| Feb 27, 2024 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Jun 7, 2023 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Oct 7, 2020 | Warranty Deed, Transfer · FHA Mortgage QUICKEN LOANS LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 7, 2020 · Amount on Record |
| Deed Sale | Oct 7, 2020 · Amount on Record |
| Prior Sale | Nov 4, 2015 · Amount on Record |
| Deed Document Number | 202057233 |
| Deed Book / Page | 3918 / 1403 |
| Prior Transfer Date | Jun 24, 2013 |
| Prior Transfer Doc | 0000040712 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEAUFORT SC |
| Recording Date | Jul 13, 2026 |
| Property Address | 25 SPRUCE DR, BLUFFTON, SC 29910-7902 |
| Document Number | 0000030928 |
| Book / Page | 4557 / 2968 |
| Instrument Date | Mar 25, 2026 |
| Instrument | 202630928 |
| Transaction Type | Mortgage |
| Record Updated | Jul 24, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 25 SPRUCE DR, BLUFFTON, SC 29910-7902 |
| Document Number | 0000030928, |
|---|---|
| Date | Jul 13, 2026 |
| Book Page | 4557/2968 |
| Instrument | 202630928 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 477 Months |
| Due | Apr 1, 2066 |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEAUFORT SC |
| Property Address | 25 SPRUCE DR, BLUFFTON, SC 29910-7902 |
| Transaction Type | Mortgage |
| Record Updated | Mar 11, 2024 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 25 SPRUCE DR, BLUFFTON, SC 29910-7902 |
| Document Number | 0000008583 |
|---|---|
| Date | Feb 27, 2024 |
| Book Page | 4313/583 |
| Instrument | 2024008583 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | 635 WOODWARD AVE, DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 320 Months |
| Due | Oct 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEAUFORT SC |
| Property Address | 25 SPRUCE DR, BLUFFTON, SC 29910-7902 |
| Transaction Type | Mortgage |
| Record Updated | Jun 20, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 25 SPRUCE DR, BLUFFTON, SC 29910-7902 |
| Document Number | 0000027045 |
|---|---|
| Date | Jun 7, 2023 |
| Book Page | 4248/1353 |
| Instrument | 2023027045 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 328 Months |
| Due | Oct 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BEAUFORT SC |
| Recording Date | Oct 7, 2020 |
| Property Address | 25 SPRUCE DR, BLUFFTON, SC 29910-7902 |
| Document Number | 0000057233 |
| Book / Page | 3918 / 1403 |
| Map Reference | MB 99 PG 102 |
| Instrument Date | Sep 11, 2020 |
| Instrument | 2020057233 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $572.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 25 SPRUCE DR, BLUFFTON, SC 29910-7902 |
| Document Number | 0000057234 |
|---|---|
| Date | Oct 7, 2020 |
| Instrument | 2020057234 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2050 |
Source: Beaufort County assessment roll, as of March 12, 2026
| 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 | $1,737.00 (-0.06%) | $10,120 (-24.14%) | |
| 2024 | $1,738.00 | $13,340 (-) Land $4,000 Building $9,340 | $333,500 (-) Land $100,000 Building $233,500 |
| 2023 | $1,738.00 (+8.08%) | $13,340 (+51.59%) Land $4,000 Building $9,340 | $333,500 (+51.59%) Land $100,000 Building $233,500 |
| 2022 | $1,608.00 | $8,800 Land $1,600 Building $7,200 | $220,000 Land $40,000 Building $180,000 |
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.
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 |
|
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 | Moderate above 42% of the US · lower than 70% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.05% 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 89 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 |
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