Beaufort County property record for 34 Cutter Cir, Bluffton, SC 29909
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 2 ba · 2,384 sqft · built 1999 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $550,000 (Jan 2022) |
| Tax Bill | $2,669 (2025) |
| Deeds & Mortgages | Jan 2023 Mortgage Jan 2022 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08296346 |
| Primary APN | 08296346 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 2,384 sqft Living Area |
| 1st Floor Area | 1,602 sqft |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 10,890 sqft (0.25 acres) |
| Garage Type | Attached |
| Garage Area | 500 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Street Address | 34 CUTTER CIR |
|---|---|
| City | BLUFFTON |
| State | SC |
| Zip | 29909-4309 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 6116 |
| Legal Description | LOT 50 RIVERBEND S/D BLK 101 A PB65 P141 PB77 P68 PB91 P21-26 PB101 P78-83 |
| Legal Subdivision | RIVERBEND BY SUNCITY |
| Legal Block | 101 |
| Legal Lot Number | 50 |
| Jurisdiction | BEAUFORT SC |
| Township / Civil Division | BLUFFTON |
| Census Block Group | 1 |
| Census Block | 1114 |
| Census Tract | 2202 |
34 Cutter Cir is owned and occupied by two individuals who bought it in January 2022.
Source: Beaufort County records, as of March 12, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 34 CUTTER CIR, BLUFFTON, SC 29909-4309 |
| 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.
| Date | Document |
|---|---|
| Jan 4, 2023 | Deed of Trust, Mortgage · Conventional Mortgage RELIANCE FIRST CAPITAL LLC |
| Jan 25, 2022 | Warranty Deed, Transfer |
| May 4, 2018 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 25, 2022 · Amount on File |
| Deed Sale | Jan 25, 2022 · Amount on File |
| Prior Sale | May 4, 2018 · Amount on File |
| Deed Document Number | 20225224 |
| Deed Book / Page | 4108 / 2115 |
| Prior Transfer Date | Jul 22, 2004 |
| Prior Transfer Doc | 0000049659 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEAUFORT SC |
| Property Address | 34 CUTTER CIR, BLUFFTON, SC 29909-4309 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 34 CUTTER CIR, BLUFFTON, SC 29909-4309 |
| Document Number | 0000000419 |
|---|---|
| Date | Jan 4, 2023 |
| Book Page | 4209/779 |
| Instrument | 2023000419 |
| Name | RELIANCE FIRST CAPITAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | MELVILLE, NY 11747 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BEAUFORT SC |
| Recording Date | Jan 25, 2022 |
| Property Address | 34 CUTTER CIR, BLUFFTON, SC 29909-4309 |
| Document Number | 0000005224 |
| Book / Page | 4108 / 2115 |
| Map Reference | MB 101 PG 78 |
| Instrument Date | Jan 12, 2022 |
| Instrument | 2022005224 |
| Transaction Type | Transfer |
| Record Updated | Mar 12, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $1,430.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 34 CUTTER CIR, BLUFFTON, SC 29909-4309 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | BEAUFORT SC |
| Recording Date | May 4, 2018 |
| Property Address | 34 CUTTER CIR, BLUFFTON, SC 29909-4309 |
| Document Number | 0000023786 |
| Book / Page | 003665 / 000210 |
| Instrument Date | Apr 25, 2018 |
| Instrument | 23786 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $1,369.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 34 CUTTER CIR BLUFFTON SC 299094310, BLUFFTON, SC 29909-4310 |
The 2025 property tax bill for 34 Cutter Cir was $2,669, 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 | $2,669.00 (-0.07%) | $21,110 (+0.01%) | |
| 2024 | $2,671.00 | $21,108 (-) Land $6,320 Building $14,788 | $527,700 (-) Land $158,000 Building $369,700 |
| 2023 | $2,671.00 (+33.75%) | $21,108 (+42.62%) Land $6,320 Building $14,788 | $527,700 (+42.62%) Land $158,000 Building $369,700 |
| 2022 | $1,997.00 | $14,800 Land $6,000 Building $8,800 | $370,000 Land $150,000 Building $220,000 |
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.
FEMA maps place 34 Cutter Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 985 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 985 in force |
| Nearby Flood Claims | 23 (2009–2022) |
| Claims Outside the SFHA | 3 of 23 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| 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 34 Cutter Cir is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · lower than 93% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 99 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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