Beaufort County property record for 326 Cold Creek Pass, Bluffton, SC 29910
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 2.5 ba · 1,458 sqft · built 2004 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | Individual Name on File |
| Last Sale | $139,000 (Jul 2009) |
| Tax Bill | $677 (2025) |
| Deeds & Mortgages | Aug 2019 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | R60002900002260000 |
| Primary APN | R60002900002260000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 1 Room |
| Stories | 1 Story |
| Building Area | 1,458 sqft Living Area |
| 1st Floor Area | 680 sqft |
| Utility Room | Utility Room |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Asphalt |
| Lot Area | 6,098 sqft (0.14 acres) |
| Porch | Slab |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Street Address | 326 COLD CREEK PASS |
|---|---|
| City | BLUFFTON |
| State | SC |
| Zip | 29910-7845 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 6116 |
| Legal Description | LOT 116 EDGEFIELD S/D PH IA PB96 P32-35 PB97 P98-101 PB99 P81-84 |
| Legal Subdivision | EDGEFIELD |
| Legal Phase | 1A |
| Legal Lot Number | 116 |
| Jurisdiction | BEAUFORT SC |
| Township / Civil Division | BLUFFTON |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 2106 |
326 Cold Creek Pass is owned and occupied by an individual who bought it in July 2009.
Source: Beaufort County records, as of August 31, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 326 COLD CREEK PASS, BLUFFTON, SC 29910-7845 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 8, 2009 · Amount on File |
| Deed Sale | Jul 8, 2009 · Amount on File |
| Prior Sale | Oct 27, 2008 · Amount on File |
| Deed Document Number | 200940817 |
| Deed Book / Page | 2867 / 1086 |
| Prior Transfer Date | Apr 23, 2009 |
| Prior Transfer Doc | 0000029212 |
| Record Updated | Oct 29, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | BEAUFORT SC |
| Property Address | 326 COLD CREEK PASS, BLUFFTON, SC 29910-7845 |
| Document Number | 0000064905 |
| Instrument Date | Aug 1, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 18, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 326 COLD CREEK PASS BLUFFTON SC 299107845, BLUFFTON, SC 29910-7845 |
| Document Number | 0000064905 |
|---|---|
| Date | Dec 2, 2019 |
| Book Page | 003816/001400 |
| Instrument | 64905 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | ANAHEIM, CA 92806 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Dec 1, 2044 |
| Rate | 4% |
|---|
The 2025 property tax bill for 326 Cold Creek Pass was $677, down 0.1% from the year before.
Source: Beaufort County assessment roll, as of March 12, 2026
| Type | Name |
|---|---|
| State | South Carolina |
| County | Beaufort County |
| Unified School District | Beaufort County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $677.00 (-0.15%) | $5,040 (-57.46%) | |
| 2024 | $678.00 | $11,848 (-) Land $3,000 Building $8,848 | $296,200 (-) Land $75,000 Building $221,200 |
| 2023 | $678.00 (+8.31%) | $11,848 (+80.39%) Land $3,000 Building $8,848 | $296,200 (+80.39%) Land $75,000 Building $221,200 |
| 2022 | $626.00 | $6,568 Land $1,840 Building $4,728 | $164,200 Land $46,000 Building $118,200 |
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.
FEMA maps place 326 Cold Creek Pass in Zone X, an area of minimal flood risk, though there have been 31 flood claims nearby since 2015.
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 428 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 428 in force |
| Nearby Flood Claims | 31 (2015–2024) |
| Claims Outside the SFHA | 30 of 31 |
| Most Recent Claim | Dec 2024 · rainfall accumulation |
| 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.
Wildfire risk around 326 Cold Creek Pass is low, with a 0.01% annual chance of 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 | None beyond ember reach |
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 376 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 |
May also be available: Hotwire Communications, Spectrum.
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