37 Cutter Cir, Bluffton (Okatie), SC 29909 Property Records

Beaufort County property record for 37 Cutter Cir, Bluffton, SC 29909

Property Summary

Property Type	Single Family Home
Details	2 bd · 3,205 sqft · built 2000
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on File
Last Sale	$657,000 (Nov 2021)
Tax Bill	$3,630 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`08295356`

Property Details

APN / Parcel Number

Primary APN	`08295356`
Alternative APNs	`R600 013 000 0097 0000` `R603 013 000 0097 0000`

Interior

Bedrooms	2 Beds
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,205 sqft Living Area

Exterior

Year Built	Built 2000
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Asphalt
Lot Area	11,326 sqft (0.26 acres)
Garage Type	Attached
Garage Area	612 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	08295356
Old Parcel Number	R603 013 000 0097 0000
Street Address	37 CUTTER CIR
City	BLUFFTON
State	SC
Zip	29909-4312
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	4116
Legal Description	LOT 90 RIVERBEND S/D BLK 101 A PB65 P141 PB74 P174 PB77 P68 PB91 P21-26 PB101 P7
Legal Subdivision	RIVERBEND BY SUNCITY
Legal Block	101
Legal Lot Number	90
Jurisdiction	BEAUFORT SC
Township / Civil Division	BLUFFTON
Census Block Group	1
Census Block	1115
Census Tract	2202

Owner

37 Cutter Cir is owned and occupied by an individual who bought it in November 2021.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	37 CUTTER CIR, BLUFFTON, SC 29909-4312
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	2 Names on Deed
Last Sale	Nov 9, 2021 · Amount on File
Deed Sale	Nov 9, 2021 · Amount on File
Deed Document Number	2021078296
Deed Book / Page	4081 / 1948
Record Updated	Jun 8, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEAUFORT SC
Recording Date	Nov 9, 2021
Property Address	37 CUTTER CIR, BLUFFTON, SC 29909-4312
Document Number	0000078296
Book / Page	4081 / 1948
Map Reference	MB 65 PG 141
Instrument Date	Nov 2, 2021
Instrument	2021078296
Transaction Type	Transfer
Record Updated	Mar 12, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,708.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	37 CUTTER CIR, BLUFFTON, SC 29909-4312

Mortgage

Document Number	0000078297
Date	Nov 9, 2021
Instrument	2021078297

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 37 Cutter Cir was $3,630, down 0.1% from the year before.

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	$3,630.00 (-0.08%)	$28,720 (+0.01%)
2024	$3,633.00 (-65.81%)	$28,716 (-) Land $4,240 Building $24,476	$717,900 (-) Land $106,000 Building $611,900
2023	$10,627.00 (+203.28%)	$28,716 (+9.27%) Land $4,240 Building $24,476	$717,900 (+9.27%) Land $106,000 Building $611,900
2022	$3,504.00	$26,280 Land $3,760 Building $22,520	$657,000 Land $94,000 Building $563,000

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

FEMA maps place 37 Cutter Cir in Zone X, an area of moderate flood risk, though there have been 23 flood claims nearby since 2009.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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	Hurricane Irma, Sep 2017 · 6 claims Hurricane Matthew, Oct 2016 · 13 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 37 Cutter Cir is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 87% of South Carolina
Wildfire Likelihood	0.05% 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 115 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Sparklight Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20