345 Flatwater Dr, Bluffton, SC 29910 Property Records

Beaufort County property record for 345 Flatwater Dr, Bluffton, SC 29910

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 2,656 sqft · built 2020
Lot Size	0.301 acres (13,112 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,065,000 (Oct 2025)
Tax Bill	$4,757 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Oct 2025 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`242011306`

Property Details

APN / Parcel Number

Primary APN	`242011306`
Alternative APN	`R614 029 000 2368 0000`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	3 Half Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,656 sqft Living Area

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,112 sqft (0.301 acres)

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	345 FLATWATER DR
City	BLUFFTON
State	SC
Zip	29910-9715
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9024 HAMPTON LAKE PH 9 PB153 PG150
Legal Subdivision	HAMPTON LAKE
Legal Phase	9
Legal Lot Number	9024
Jurisdiction	BEAUFORT SC
Township / Civil Division	BLUFFTON
Census Block Group	2
Census Block	2003
Census Tract	2103

Owner

Source: Beaufort County records, as of April 3, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	345 FLATWATER DR, BLUFFTON, SC 29910-9715
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2026	Deed of Trust, Mortgage · Line of Credit COASTALSTATES BANK
Oct 16, 2025	Warranty Deed, Transfer
Dec 31, 2020	Deed of Trust, Mortgage GATEWAY MTG GRP
Jan 5, 2021	Warranty Deed, Subdivision Related Transfer ATTORNEY ONLY
Jul 9, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2025 · Amount on Record
Deed Sale	Oct 16, 2025 · Amount on Record
Prior Sale	Jan 5, 2021 · Amount on Record
Deed Document Number	202546973
Deed Book / Page	4474 / 1780
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEAUFORT SC
Property Address	345 FLATWATER DR, BLUFFTON, SC 29910-9715
Transaction Type	Mortgage
Record Updated	Apr 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	345 FLATWATER DR, BLUFFTON, SC 29910-9715

Mortgage

Document Number	0000008931
Date	Feb 27, 2026
Book Page	4511/2955
Instrument	20260008931

Lender

Name	COASTALSTATES BANK
Type	Bank
Address	70 CARLISLE RD, DAWSONVILLE, GA 30534

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Feb 15, 2046

Interest

Change Frequency	Monthly

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEAUFORT SC
Recording Date	Oct 16, 2025
Property Address	345 FLATWATER DR, BLUFFTON, SC 29910-9715
Document Number	0000046973
Book / Page	4474 / 1780
Map Reference	MB 153 PG 150-152
Instrument Date	Oct 10, 2025
Instrument	2025046973
Transaction Type	Transfer
Record Updated	Oct 29, 2025

Transaction

Amount	Amount Recorded
Tax	$2,769.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	345 FLATWATER DR, BLUFFTON, SC 29910-9715

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEAUFORT SC
Property Address	345 FLATWATER DR, BLUFFTON, SC 29910-9715
Document Number	0000000431
Instrument Date	Dec 31, 2020
Transaction Type	Mortgage
Record Updated	May 21, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	345 FLATWATER DR BLUFFTON SC 299109715, BLUFFTON, SC 29910-9715

Mortgage

Document Number	0000000431
Date	Jan 5, 2021
Book Page	003955/000039
Instrument	431

Lender

Name	GATEWAY MTG GRP
Address	JENKS, OK 74037

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 4, 2051

January 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BEAUFORT SC
Recording Date	Jan 5, 2021
Property Address	345 FLATWATER DR, BLUFFTON, SC 29910-9715
Document Number	0000000430
Book / Page	003955 / 000035
Instrument Date	Dec 10, 2020
Instrument	430
Transaction Type	Subdivision Related Transfer
Record Updated	May 21, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$2,433.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	345 FLATWATER DR BLUFFTON SC 299109715, BLUFFTON, SC 29910-9715

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BEAUFORT SC
Recording Date	Jul 9, 2020
Property Address	345 FLATWATER DR, BLUFFTON, SC 29910-9715
Document Number	0000036259
Book / Page	003882 / 001984
Instrument Date	Jul 3, 2020
Instrument	36259
Transaction Type	Transfer
Record Updated	May 21, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1,635.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	591 BROWNS COVE RD #G RIDGELAND SC 299367281, G, RIDGELAND, SC 29936-7281
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Beaufort County assessment roll, as of March 12, 2026

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	$4,757.00 (-0.06%)	$28,800 (-)
2024	$4,760.00 (-4.49%)	$28,800 (-19.5%) Land $10,000 Building $18,800	$720,000 (-) Land $250,000 Building $470,000
2023	$4,984.00 (-57.54%)	$35,776 (+36.13%) Land $10,000 Building $25,776	$720,000 (+9.59%) Land $250,000 Building $470,000
2022	$11,738.00	$26,280 Land $4,000 Building $22,280	$657,000 Land $100,000 Building $557,000

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.

Flood

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 407 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	407 in force

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

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

Wildfire Risk	Low lower than 93% of the US · lower than 98% of South Carolina
Wildfire Likelihood	0.02% 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.

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

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Sparklight DSL · Fiber, Cable in parts of the area	30 / 5

May also be available: AT&T, T-Mobile.

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