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

Beaufort County property record for 4 Cutter Cir, Bluffton, SC 29909

Property Summary

Property Type	Single Family Home
Details	2 bd · 2,997 sqft · built 1999
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on Record
Last Sale	$525,000 (Oct 2017)
Tax Bill	$5,082 (2025)
Deeds & Mortgages	Oct 2017 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`08295061`

Property Details

APN / Parcel Number

Primary APN	`08295061`
Alternative APNs	`R600 013 000 0069 0000` `R603 013 000 0069 0000`

Interior

Bedrooms	2 Beds
Total Rooms	2 Rooms
Stories	1 Story
Building Area	2,997 sqft Living Area

Exterior

Year Built	Built 1999
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Asphalt
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Garage Area	610 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Patio Area	154 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	08295061
Old Parcel Number	R603 013 000 0069 0000
Street Address	4 CUTTER CIR
City	BLUFFTON
State	SC
Zip	29909-4309
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	4116
Legal Description	LOT 2 RIVERBEND S/D BLK 100-A PB65 P141 PB74 P174 PB77 P68 PB91 P21-26 PB101 P78
Legal Subdivision	RIVERBEND BY SUNCITY
Legal Block	100-A
Legal Lot Number	2
Jurisdiction	BEAUFORT SC
Township / Civil Division	BLUFFTON
Census Block Group	1
Census Block	1114
Census Tract	2202

Owner

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

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	4 CUTTER CIR, BLUFFTON, SC 29909-4309
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 3, 2017 · Amount on Record
Deed Sale	Oct 3, 2017 · Amount on Record
Deed Document Number	2017053779
Deed Book / Page	3611 / 2063
Record Updated	Jun 8, 2026

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEAUFORT SC
Recording Date	Oct 3, 2017
Property Address	4 CUTTER CIR, BLUFFTON, SC 29909-4309
Document Number	0000053779
Book / Page	3611 / 2063
Instrument Date	Sep 20, 2017
Instrument	2017053779
Transaction Type	Transfer
Record Updated	Feb 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,942.50
Amount Accuracy	Verified / From Affidavit
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	4 CUTTER CIR, BLUFFTON, SC 29909-4309

Mortgage

Document Number	0000053780
Date	Oct 3, 2017
Instrument	2017053780

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

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	$5,082.00 (-22.31%)	$20,510 (-23.62%)
2024	$6,541.00 (+173.8%)	$26,852 (-) Land $4,240 Building $22,612	$671,300 (-) Land $106,000 Building $565,300
2023	$2,389.00 (+10.4%)	$26,852 (+50.58%) Land $4,240 Building $22,612	$671,300 (+50.58%) Land $106,000 Building $565,300
2022	$2,164.00	$17,832 Land $3,760 Building $14,072	$445,800 Land $94,000 Building $351,800

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

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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