438 Lake Bluff Dr, Bluffton, SC 29910 Property Records

Beaufort County property record for 438 Lake Bluff Dr, Bluffton, SC 29910

Property Summary

Property Type	Single Family Home
Details	3 bd · 6 ba · 2,843 sqft · built 2020
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on File
Last Sale	$94,900 (Oct 2015)
Tax Bill	$4,945 (2025)
Deeds & Mortgages	Sep 2019 Construction Loan Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`242003881`

Property Details

APN / Parcel Number

Primary APN	`242003881`
Alternative APN	`R614 029 000 1786 0000`

Interior

Bedrooms	3 Beds
Full Baths	6 Baths
Half Baths	3 Half Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,843 sqft Living Area
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,068 sqft (0.3 acres)

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	242003881
Street Address	438 LAKE BLUFF DR
City	BLUFFTON
State	SC
Zip	29910-9350
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3005 HAMPTON LAKE PH 3 PB141 PG64-68
Legal Subdivision	HAMPTON LAKE
Legal Phase	3
Legal Lot Number	3005
Jurisdiction	BEAUFORT SC
Township / Civil Division	BLUFFTON
Census Block Group	2
Census Block	2003
Census Tract	2103

Owner

438 Lake Bluff Dr is owned and occupied by two individuals who bought it in October 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	438 LAKE BLUFF DR, BLUFFTON, SC 29910-9350
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
Sep 30, 2019	Deed of Trust, Mortgage · Construction Mortgage GEORGE MASON MORTGAGE LLC
Aug 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage GEORGE MASON MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2015 · Amount on File
Deed Sale	Oct 30, 2015 · Amount on File
Deed Document Number	2015057038
Deed Book / Page	3439 / 2783
Record Updated	Jun 8, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEAUFORT SC
Property Address	438 LAKE BLUFF DR, BLUFFTON, SC 29910-9350
Transaction Type	Mortgage
Record Updated	Feb 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000052329
Date	Sep 30, 2019
Book Page	3797/3174
Instrument	2019052329

Lender

Name	GEORGE MASON MORTGAGE LLC
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	372 Months
Due	Sep 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Sep 1, 2025
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	6.75%
Index	1-Year CMT
Margin	3
Max Rate	9.75%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEAUFORT SC
Property Address	438 LAKE BLUFF DR, BLUFFTON, SC 29910-9350
Transaction Type	Mortgage
Record Updated	Feb 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000043784
Date	Aug 10, 2020
Book Page	3895/516
Instrument	2020043784

Lender

Name	GEORGE MASON MORTGAGE LLC
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 438 Lake Bluff Dr was $4,945, down 0.1% 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	$4,945.00 (-0.06%)	$29,990 (-34.12%)
2024	$4,948.00	$45,524 (-) Land $8,600 Building $36,924	$1,138,100 (-) Land $215,000 Building $923,100
2023	$4,948.00 (-57.52%)	$45,524 (+63.9%) Land $8,600 Building $36,924	$1,138,100 (+63.9%) Land $215,000 Building $923,100
2022	$11,648.00	$27,776 Land $4,000 Building $23,776	$694,400 Land $100,000 Building $594,400

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 438 Lake Bluff 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 438 Lake Bluff Dr is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 98.6% of South Carolina
Wildfire Likelihood	0.01% 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 156 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Sparklight DSL	30 / 5

May also be available: AT&T, Hotwire Communications, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Lake Bluff Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures