405 Flatwater Dr, Bluffton, SC 29910 Property Records

Beaufort County property record for 405 Flatwater Dr, Bluffton, SC 29910

Property Summary

Property Type	Single Family Home
Details	3 bd · 6 ba · 2,495 sqft · built 2021
Lot Size	0.162 acres (7,057 sqft)
Owner	Individual Name on File
Last Sale	$720,000 (Dec 2023)
Tax Bill	$4,757 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage May 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`242009779`

Property Details

APN / Parcel Number

Primary APN	`242009779`
Alternative APN	`R614 029 000 2326 0000`

Interior

Bedrooms	3 Beds
Full Baths	6 Baths
Half Baths	3 Half Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,495 sqft Living Area
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,057 sqft (0.162 acres)

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	242009779
Street Address	405 FLATWATER DR
City	BLUFFTON
State	SC
Zip	29910-9365
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8052 HAMPTON LAKE PH 8B PB152 P117
Legal Subdivision	HAMPTON LAKE
Legal Phase	8B
Legal Lot Number	8052
Jurisdiction	BEAUFORT SC
Township / Civil Division	BLUFFTON
Census Block Group	2
Census Block	2003
Census Tract	2103

Owner

405 Flatwater Dr is owned and occupied by an individual who bought it in December 2023.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	405 FLATWATER DR, BLUFFTON, SC 29910-9365
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

Date	Document
Dec 29, 2023	Warranty Deed, Transfer · Conventional Mortgage GATEWAY FIRST BANK
May 19, 2021	Limited Warranty Deed, Subdivision Related Transfer · FHA Mortgage JET HOMELOANS LLC
Jan 29, 2020	Grant Deed, Transfer · Line of Credit BMO HARRIS BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 29, 2023 · Amount on File
Deed Sale	Dec 29, 2023 · Amount on File
Prior Sale	May 19, 2021 · Amount on File
Deed Document Number	2023059409
Deed Book / Page	4299 / 3233
Record Updated	Jun 8, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEAUFORT SC
Recording Date	Dec 29, 2023
Property Address	405 FLATWATER DR, BLUFFTON, SC 29910-9365
Document Number	0000059409
Book / Page	4299 / 3233
Map Reference	MB 152 PG 117
Instrument Date	Dec 4, 2023
Instrument	2023059409
Transaction Type	Transfer
Record Updated	Jan 16, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,872.00
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	405 FLATWATER DR, BLUFFTON, SC 29910-9365

Mortgage

Document Number	0000059410
Date	Dec 29, 2023
Instrument	2023059410

Lender

Name	GATEWAY FIRST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2054

May 2021: Limited Warranty Deed, Subdivision Related Transfer

Document Type	Limited Warranty Deed
Jurisdiction	BEAUFORT SC
Recording Date	May 19, 2021
Property Address	405 FLATWATER DR, BLUFFTON, SC 29910-9365
Document Number	0000037114
Book / Page	4014 / 580
Map Reference	MB 152 PG 117
Instrument Date	May 14, 2021
Instrument	2021037114
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 4, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,311.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14701 PHILIPS HWY STE 300, 300, JACKSONVILLE, FL 32256-3742

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	405 FLATWATER DR, BLUFFTON, SC 29910-9365

Mortgage

Document Number	0000037115
Date	May 19, 2021
Instrument	2021037115

Lender

Name	JET HOMELOANS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BEAUFORT SC
Recording Date	Jan 29, 2020
Property Address	405 FLATWATER DR, BLUFFTON, SC 29910-9365
Document Number	0000005122
Book / Page	003832 / 001441
Instrument Date	Dec 30, 2019
Instrument	5122
Transaction Type	Transfer
Record Updated	Mar 31, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$2,997.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	14701 PHILIPS HWY JACKSONVILLE FL 322563743, JACKSONVILLE, FL 32256-3743
Investor	Possibly a Property Investor

Mortgage

Document Number	5123
Date	Jan 29, 2020
Book Page	003832/001444
Instrument	5123

Lender

Name	BMO HARRIS BK NA
Type	Bank
Address	115 S LA SALLE ST # 19W, CHICAGO, IL 60603-3806

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 405 Flatwater Dr was $4,757, down 61.3% from the year before.

Source: Beaufort County assessment roll, as of September 13, 2025

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 (-61.31%)	$28,800 (-)
2024	$12,294.00 (+217.02%)	$28,800 (-9.38%) Land $6,000 Building $22,800	$720,000 (-) Land $150,000 Building $570,000
2023	$3,878.00 (-57.22%)	$31,780 (+57.48%) Land $6,000 Building $25,780	$720,000 (+42.72%) Land $150,000 Building $570,000
2022	$9,064.00	$20,180 Land $3,000 Building $17,180	$504,500 Land $75,000 Building $429,500

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 405 Flatwater Dr in Zone X, an area of minimal flood risk.

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 File 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

Wildfire risk around 405 Flatwater Dr is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · lower than 94% of South Carolina
Wildfire Likelihood	0.03% 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 72 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
Sparklight DSL · Fiber in parts of the area	30 / 5

May also be available: AT&T.

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