433 Flatwater Dr, Bluffton, SC 29910 Property Records

Beaufort County property record for 433 Flatwater Dr, Bluffton, SC 29910

Property Summary

Property Type	Single Family Home
Details	6 ba · 2,454 sqft · built 2023
Lot Size	0.158 acres (6,926 sqft)
Owner	Individual Name on Record
Last Sale	$553,893 (May 2023)
Tax Bill	$3,710 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Jan 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`242009772`

Property Details

APN / Parcel Number

Primary APN	`242009772`
Alternative APN	`R614 029 000 2319 0000`

Interior

Full Baths	6 Baths
Half Baths	3 Half Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	2,454 sqft Living Area
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,926 sqft (0.158 acres)

Utilities, Heating & Cooling

Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Account Number	242009772
Street Address	433 FLATWATER DR
City	BLUFFTON
State	SC
Zip	29910-9365
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8045 HAMPTON LAKE PH 8B PB152 P117
Legal Subdivision	HAMPTON LAKE
Legal Phase	8B
Legal Lot Number	8045
Jurisdiction	BEAUFORT SC
Township / Civil Division	BLUFFTON
Census Block Group	2
Census Block	2003
Census Tract	2103

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	433 FLATWATER DR, BLUFFTON, SC 29910-9365
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2025	Deed of Trust, Mortgage · VA Mortgage NEW ERA LENDING LLC
Jan 30, 2024	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
May 26, 2023	Limited Warranty Deed, Subdivision Related Transfer · VA Mortgage ROCKET MORTGAGE LLC
Apr 1, 2021	Limited Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2023 · Amount on Record
Deed Sale	May 26, 2023 · Amount on Record
Prior Sale	Apr 1, 2021 · Amount on Record
Deed Document Number	2023025020
Deed Book / Page	4245 / 2160
Record Updated	Jun 8, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEAUFORT SC
Property Address	433 FLATWATER DR, BLUFFTON, SC 29910-9365
Transaction Type	Mortgage
Record Updated	Sep 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	433 FLATWATER DR, BLUFFTON, SC 29910-9365

Mortgage

Document Number	0000041947
Date	Sep 16, 2025
Book Page	4465/2243
Instrument	2025041947

Lender

Name	NEW ERA LENDING LLC
Type	Mortgage Company
Address	1500 S DAIRY ASHFORD RD STE 363, HOUSTON, TX 77077

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2055

Interest

Rate	5.37%
Type Change Date	Jan 1, 2031
Change Frequency	Annually
Min Rate At Change	4.37%
Max Rate At Change	6.37%
Index	1-Year CMT
Max Rate	10.3%

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEAUFORT SC
Property Address	433 FLATWATER DR, BLUFFTON, SC 29910-9365
Transaction Type	Mortgage
Record Updated	Apr 30, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 SIR ARTHUR CT, GUYTON, GA 31312-4974

Mortgage

Document Number	0000004283
Date	Jan 30, 2024
Book Page	4306/1844
Instrument	2024004283

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	352 Months
Due	May 1, 2053

May 2023: Limited Warranty Deed, Subdivision Related Transfer

Document Type	Limited Warranty Deed
Jurisdiction	BEAUFORT SC
Recording Date	May 26, 2023
Property Address	433 FLATWATER DR, BLUFFTON, SC 29910-9365
Document Number	0000025020
Book / Page	4245 / 2160
Map Reference	MB 152 PG 117
Instrument Date	Apr 28, 2023
Instrument	2023025020
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 30, 2024
Title Company	GOLDEN DOG TITLE AND TRUST

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,440.40
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	433 FLATWATER DR, BLUFFTON, SC 29910-9365

Mortgage

Document Number	0000025021
Date	May 26, 2023
Instrument	2023025021

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2053

April 2021: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	BEAUFORT SC
Recording Date	Apr 1, 2021
Property Address	433 FLATWATER DR, BLUFFTON, SC 29910-9365
Document Number	0000023542
Book / Page	3992 / 3088
Map Reference	MB 152 PG 50
Instrument Date	Mar 24, 2021
Instrument	2021023542
Transaction Type	Transfer
Record Updated	Apr 4, 2023

Transaction

Amount	Amount Recorded
Tax	$3,276.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14701 PHILIPS HWY, JACKSONVILLE, FL 32256-3743
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	$3,710.00 (-60.99%)	$22,160 (-)
2024	$9,510.00 (+415.45%)	$22,160 (+256.84%) Land $6,000 Building $16,160	$554,000 (-) Land $150,000 Building $404,000
2023	$1,845.00 (+9.37%)	$6,210 (+15%)	$554,000 (+515.56%) Land $150,000 Building $404,000
2022	$1,687.00	$5,400	$90,000 Land $90,000

Assessed value is set for property tax purposes, not a market price estimate; it is 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 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

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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