3055 Ratel Cir, Beaufort, SC 29902 Property Records

Beaufort County property record for 3055 Ratel Cir, Beaufort, SC 29902

Property Summary

Property Type	Single Family Home
Details	1 bd · 1,354 sqft · built 1985
Owner	2 Individual Names on File
Last Sale	$71,000 (Jul 1985)
Tax Bill	$1,080 (2025)
Deeds & Mortgages	Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R10003100A04970000`

Property Details

APN / Parcel Number

Primary APN	`R10003100A04970000`
Alternative APN	`02454855`

Interior

Bedrooms	1 Bed
Total Rooms	1 Room
Stories	1 Story
Building Area	1,354 sqft Living Area
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Patio Area	182 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	02454855
Old Parcel Number	R10003100A04970000
Street Address	3055 RATEL CIR
City	BEAUFORT
State	SC
Zip	29902-5853
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	4111
Legal Description	LOT 97 SECT 2 MINK POINT PB31P191
Legal Subdivision	MINK POINT,CITY,TANGLEWD LOTS
Legal Lot Number	97
Jurisdiction	BEAUFORT SC
Township / Civil Division	BEAUFORT-PORT ROYAL
Census Block Group	3
Census Block	3013
Census Tract	503

Owner

3055 Ratel Cir is owned and occupied by two individuals who bought it in July 1985.

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

Owner of Record	2 Individual Names on File
Mailing Address	3055 RATEL CIR, BEAUFORT, SC 29902-5853
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	Jul 1, 1985 · Amount on File
Deed Sale	Jul 1, 1985 · Amount on File
Deed Document Number	0000424543
Record Updated	Jun 8, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEAUFORT SC
Property Address	3055 RATEL CIR, BEAUFORT, SC 29902-5853
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000069769
Date	Nov 24, 2020
Book Page	3939/339
Instrument	2020069769

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 3055 Ratel Cir was $1,080.

Source: Beaufort County assessment roll, as of September 13, 2025

Property Jurisdictions

Type	Name
State	South Carolina
County	Beaufort County
Unified School District	Beaufort County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,080.00	$7,810 (-33.11%)
2024	$1,080.00	$11,676 (-) Land $1,800 Building $9,876	$291,900 (-) Land $45,000 Building $246,900
2023	$1,080.00 (-17.81%)	$11,676 (+71.91%) Land $1,800 Building $9,876	$291,900 (+71.91%) Land $45,000 Building $246,900
2022	$1,314.00	$6,792 Land $1,000 Building $5,792	$169,800 Land $25,000 Building $144,800

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 3055 Ratel Cir in Zone X, an area of minimal flood risk, though there have been 25 flood claims nearby since 1985.

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 291 individual policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	351 units insured incl. 60 condo units
Nearby Flood Claims	25 (1985–2025)
Claims Outside the SFHA	10 of 25
Most Recent Claim	Aug 2025 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 3 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

Wildfire risk around 3055 Ratel Cir is moderate, ranking above 50% of the US, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 50% of the US · above 54% of South Carolina
Wildfire Likelihood	0.07% annual chance
Exposure	None beyond ember reach

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 163 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250
Sparklight Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Ratel Cir

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