27 Spruce Dr, Bluffton, SC 29910 Property Records

Beaufort County property record for 27 Spruce Dr, Bluffton, SC 29910

Property Summary

Property Type	Single Family Home
Details	1,586 sqft · built 2004
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on File
Last Sale	$162,346 (Oct 2004)
Tax Bill	$2,537 (2025)
Deeds & Mortgages	May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R61003800011880000`

Property Details

APN / Parcel Number

Primary APN	`R61003800011880000`
Alternative APN	`11543487`

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	7,841 sqft (0.18 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	11543487
Old Parcel Number	R61003800011880000
Street Address	27 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 299 PINE RIDGE S/D PH 3 PB99 P102
Legal Subdivision	PINE RIDGE
Legal Phase	3
Legal Lot Number	299
Jurisdiction	BEAUFORT SC
Township / Civil Division	BLUFFTON
Census Block Group	2
Census Block	2032
Census Tract	2106

Owner

27 Spruce Dr is owned and occupied by an individual who acquired it in April 2016.

Source: Beaufort County records, as of March 11, 2026

Owner of Record	Individual Name on File
Mailing Address	27 SPRUCE DR, BLUFFTON, SC 29910-7902
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 29, 2004 · Amount on File
Deed Sale	Oct 29, 2004 · Amount on File
Prior Sale	Oct 29, 2004 · Amount on File
Deed Document Number	0000078240
Last Transfer Date	Apr 25, 2016
Transfer Doc	0000020142
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEAUFORT SC
Property Address	27 SPRUCE DR, BLUFFTON, SC 29910-7902
Transaction Type	Mortgage
Record Updated	Jun 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000032392
Date	May 4, 2021
Book Page	4007/30
Instrument	2021032392

Lender

Name	PALMETTO STATE BANK
Type	Bank
Address	HAMPTON, SC 29924

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 27 Spruce Dr was $2,537, down 32% from the year before.

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	$2,537.00 (-31.97%)	$8,940 (-32.98%)
2024	$3,729.00 (+140.43%)	$13,340 (-) Land $4,000 Building $9,340	$333,500 (-) Land $100,000 Building $233,500
2023	$1,551.00 (+8.01%)	$13,340 (+71.64%) Land $4,000 Building $9,340	$333,500 (+71.64%) Land $100,000 Building $233,500
2022	$1,436.00	$7,772 Land $1,600 Building $6,172	$194,300 Land $40,000 Building $154,300

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

FEMA maps place 27 Spruce Dr in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2016.

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 File 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

Wildfire risk around 27 Spruce Dr is moderate, ranking above 42% of the US, with a 0.05% annual chance of wildfire.

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.

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 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