41 Swamp White Oak Dr, Bluffton, SC 29910 Property Records

Beaufort County property record for 41 Swamp White Oak Dr, Bluffton, SC 29910

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,774 sqft · built 2017
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$237,000 (Aug 2017)
Tax Bill	$1,874 (2025)
Deeds & Mortgages	Apr 2018 Mortgage Aug 2017 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R61403600010120000`

Property Details

APN / Parcel Number

Primary APN	`R61403600010120000`
Alternative APN	`00300278`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,774 sqft Living Area
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	430 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	00300278
Old Parcel Number	R61403600010120000
Street Address	41 SWAMP WHITE OAK DR
City	BLUFFTON
State	SC
Zip	29910-4418
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 276 SOUTHERN OAKS PH 2 PB124 P191-194
Legal Subdivision	SOUTHERN OAKS SUBDIVISION PH I
Legal Phase	2
Legal Lot Number	276
Jurisdiction	BEAUFORT SC
Township / Civil Division	BLUFFTON
Census Block Group	1
Census Block	1066
Census Tract	2102

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	41 SWAMP WHITE OAK DR, BLUFFTON, SC 29910-4418
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2018	Deed of Trust, Mortgage · VA Mortgage INTERCAP LNDG
Aug 30, 2017	Grant Deed, Subdivision Related Transfer · VA Mortgage VETERANS UNITED HM LNS
Jun 7, 2017	Loan Modification, Mortgage ATTORNEY ONLY
Jun 16, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2017 · Amount on Record
Deed Sale	Aug 30, 2017 · Amount on Record
Prior Sale	Jun 16, 2017 · Amount on Record
Deed Document Number	2017047741
Deed Book / Page	3603 / 1691
Record Updated	Jun 8, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEAUFORT SC
Property Address	41 SWAMP WHITE OAK DR, BLUFFTON, SC 29910-4418
Document Number	0000019393
Instrument Date	Apr 9, 2018
Transaction Type	Mortgage
Record Updated	May 4, 2018
Title Company	ELEVATED TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	41 SWAMP WHITE OAK DR BLUFFTON SC 299104418, BLUFFTON, SC 29910-4418

Mortgage

Document Number	0000019393
Date	Apr 16, 2018
Book Page	003659/001604
Instrument	19393

Lender

Name	INTERCAP LNDG
Address	DRAPER, UT 84020

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 15, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.25%

August 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	BEAUFORT SC
Recording Date	Aug 30, 2017
Property Address	41 SWAMP WHITE OAK DR, BLUFFTON, SC 29910-4418
Document Number	0000047741
Book / Page	003603 / 001691
Instrument Date	Aug 28, 2017
Instrument	47741
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 6, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$876.00
Amount Accuracy	Confirmed
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	41 SWAMP WHITE OAK DR BLUFFTON SC 299104418, BLUFFTON, SC 29910-4418

Mortgage

Document Number	47742
Date	Aug 30, 2017
Book Page	003603/001694
Instrument	47742

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 29, 2047

June 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BEAUFORT SC
Property Address	41 SWAMP WHITE OAK DR, BLUFFTON, SC 29910-4418
Document Number	0000032375
Instrument Date	Jun 7, 2017
Transaction Type	Mortgage
Record Updated	Jan 10, 2019
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1555 FORDING ISLAND RD #C1 HILTON HEAD ISLAND SC 299261176, C1, HILTON HEAD ISLAND, SC 29926-1176
Investor	Possibly a Property Investor

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BEAUFORT SC
Recording Date	Jun 16, 2017
Property Address	41 SWAMP WHITE OAK DR, BLUFFTON, SC 29910-4418
Document Number	0000032291
Book / Page	003583 / 001819
Instrument Date	Jun 7, 2017
Instrument	32291
Transaction Type	Transfer
Record Updated	Jul 27, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$198.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 23376 HILTON HEAD ISLAND SC 299253376, HILTON HEAD ISLAND, SC 29925-3376
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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	$1,874.00 (-0.05%)	$10,990 (-20.43%)
2024	$1,875.00	$13,812 (-) Land $2,920 Building $10,892	$345,300 (-) Land $73,000 Building $272,300
2023	$1,875.00 (+8.13%)	$13,812 (+44.48%) Land $2,920 Building $10,892	$345,300 (+44.48%) Land $73,000 Building $272,300
2022	$1,734.00 Homeowner's exemption	$9,560 Land $2,520 Building $7,040	$239,000 Land $63,000 Building $176,000

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 46% of the US · above 40% 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 77 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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