4 James O Ct, Bluffton, SC 29910 Property Records

Beaufort County property record for 4 James O Ct, Bluffton, SC 29910

Property Summary

Property Type	Single Family Home
Details	1,452 sqft · built 1988
Lot Size	0.287 acres (12,528 sqft)
Owner	2 Individual Names on Record
Last Sale	$160,000 (Nov 2019)
Tax Bill	$995 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Sep 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R60003600001560000`

Property Details

APN / Parcel Number

Primary APN	`R60003600001560000`
Alternative APN	`02556861`

Interior

Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,452 sqft Living Area
1st Floor Area	864 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Fiber Cement Siding
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	12,528 sqft (0.287 acres)
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	4 JAMES O CT
City	BLUFFTON
State	SC
Zip	29910-6708
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	4116
Legal Description	LOT 27 PHASE I VERDIER VIEW PLAT BK 32 P 92 CFS/SEE DB 1894 PG 2201
Legal Subdivision	VERDIER VIEW S/D
Legal Phase	1
Legal Lot Number	27
Jurisdiction	BEAUFORT SC
Township / Civil Division	BLUFFTON
Census Block Group	1
Census Block	1059
Census Tract	2102

Owner

Source: Beaufort County records, as of July 20, 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	4 JAMES O CT, BLUFFTON, SC 29910-6708
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2022	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC
Sep 8, 2025	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC
Oct 29, 2020	Loan Modification, Mortgage · Conventional Mortgage UNITED WHOLESALE MTG
Nov 15, 2019	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 15, 2019 · Amount on Record
Deed Sale	Nov 15, 2019 · Amount on Record
Prior Sale	Nov 27, 2001 · Amount on Record
Deed Document Number	201962241
Deed Book / Page	3812 / 237
Prior Transfer Date	Jul 1, 2004
Prior Transfer Doc	0000053714
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEAUFORT SC
Property Address	4 JAMES O CT, BLUFFTON, SC 29910-6708
Transaction Type	Mortgage
Record Updated	Mar 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025572
Date	Apr 29, 2022
Book Page	4141/230
Instrument	2022025572

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEAUFORT SC
Property Address	4 JAMES O CT, BLUFFTON, SC 29910-6708
Transaction Type	Mortgage
Record Updated	Mar 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 JAMES O CT, BLUFFTON, SC 29910-6708

Mortgage

Document Number	0000040621
Date	Sep 8, 2025
Book Page	4463/642
Instrument	2025040621

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	999 TECH ROW STE 200, MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	320 Months
Due	May 1, 2052

October 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BEAUFORT SC
Property Address	4 JAMES O CT, BLUFFTON, SC 29910-6708
Document Number	0000069514
Instrument Date	Oct 29, 2020
Transaction Type	Mortgage
Record Updated	Dec 7, 2020
Title Company	CORELOGIC-SOLUTIONS EXPRESS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 JAMES O CT BLUFFTON SC 299106708, BLUFFTON, SC 29910-6708

Mortgage

Document Number	0000069514
Date	Nov 24, 2020
Book Page	003938/002303
Instrument	69514

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 23, 2050

Interest

Rate Type	Fixed Rate
Rate	3.75%

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEAUFORT SC
Recording Date	Nov 15, 2019
Property Address	4 JAMES O CT, BLUFFTON, SC 29910-6708
Document Number	0000062241
Book / Page	3812 / 0237
Map Reference	MB 32 PG 92
Instrument Date	Oct 25, 2019
Instrument	2019062241
Transaction Type	Transfer
Record Updated	Feb 22, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$416.00
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	4 JAMES O CT, BLUFFTON, SC 29910-6708

Mortgage

Document Number	0000062242
Date	Nov 15, 2019
Instrument	2019062242

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

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

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	$995.00 (-0.1%)	$7,360 (-39.27%)
2024	$996.00 (+3.75%)	$12,120 (-) Land $2,200 Building $9,920	$303,000 (-) Land $55,000 Building $248,000
2023	$960.00 (+8.6%)	$12,120 (+89.38%) Land $2,200 Building $9,920	$303,000 (+89.38%) Land $55,000 Building $248,000
2022	$884.00	$6,400	$160,000 Land $46,000 Building $114,000

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 666 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	666 in force
Nearby Flood Claims	13 (1991–2021)
Claims Outside the SFHA	7 of 13
Most Recent Claim	Jun 2021 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 3 claims Hurricane Matthew, Oct 2016 · 3 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	Moderate above 44% of the US · lower than 64% of South Carolina
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Sparklight Fiber · Cable	1,000 / 1,000
Spectrum Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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