440 Flatwater Dr, Bluffton, SC 29910 Property Records

Beaufort County property record for 440 Flatwater Dr, Bluffton, SC 29910

Property Summary

Property Type	Single Family Home
Details	8 bd · 12 ba · 6,726 sqft · built 2022
Lot Size	0.313 acres (13,634 sqft)
Owner	2 Individual Names on Record
Last Sale	$229,900 (Nov 2020)
Tax Bill	$6,690 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Oct 2025 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`242009692`

Property Details

APN / Parcel Number

Primary APN	`242009692`
Alternative APN	`R614 029 000 2292 0000`

Interior

Bedrooms	8 Beds
Full Baths	12 Baths
Half Baths	8 Half Baths
Total Rooms	14 Rooms
Stories	1 Story
Building Area	6,726 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,634 sqft (0.313 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	440 FLATWATER DR
City	BLUFFTON
State	SC
Zip	29910-9365
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8062 HAMPTON LAKE PH 8A PB152 P50
Legal Subdivision	HAMPTON LAKE
Legal Phase	8A
Legal Lot Number	8062
Jurisdiction	BEAUFORT SC
Township / Civil Division	BLUFFTON
Census Block Group	2
Census Block	2003
Census Tract	2103

Owner

Source: Beaufort County records, as of May 4, 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	440 FLATWATER DR, BLUFFTON, SC 29910-9365
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2026	Deed of Trust, Mortgage · Line of Credit P N C BANK NA
Oct 23, 2025	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Nov 17, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 17, 2020 · Amount on Record
Deed Sale	Nov 17, 2020 · Amount on Record
Deed Document Number	202067707
Deed Book / Page	3935 / 2486
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEAUFORT SC
Recording Date	Apr 8, 2026
Property Address	440 FLATWATER DR, BLUFFTON, SC 29910-9365
Document Number	0000015111
Book / Page	4524 / 2940
Instrument Date	Mar 30, 2026
Instrument	202615111
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 FLATWATER DR, BLUFFTON, SC 29910-9365
Investor	Possibly a Property Investor

Mortgage

Document Number	0000015111,
Date	Apr 8, 2026
Book Page	4524/2940
Instrument	202615111

Lender

Name	P N C BANK NA

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Apr 5, 2066

Interest

Rate	5.98%
Max Rate	-1%

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEAUFORT SC
Property Address	440 FLATWATER DR, BLUFFTON, SC 29910-9365
Transaction Type	Mortgage
Record Updated	Nov 3, 2025
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 FLATWATER DR, BLUFFTON, SC 29910-9365

Mortgage

Document Number	0000047860
Date	Oct 23, 2025
Book Page	4476/1218
Instrument	2025047860

Lender

Name	PNC BANK NA
Type	Bank
Address	3232 NEWMARK DR, MIAMISBURG, OH 45342

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BEAUFORT SC
Recording Date	Nov 17, 2020
Property Address	440 FLATWATER DR, BLUFFTON, SC 29910-9365
Document Number	0000067707
Book / Page	003935 / 002486
Instrument Date	Nov 17, 2020
Instrument	67707
Transaction Type	Transfer
Record Updated	Dec 2, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$851.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	915 SORRELL HILL DR MALVERN PA 193552899, MALVERN, PA 19355-2899

Tax Assessment & Valuation

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

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	$6,690.00 (-0.06%)	$42,380 (-7.48%)
2024	$6,694.00 (-1.52%)	$45,808 (-) Land $14,000 Building $31,808	$1,145,200 (-) Land $350,000 Building $795,200
2023	$6,797.00 (+64.18%)	$45,808 (+232.18%) Land $14,000 Building $31,808	$1,145,200 (+398.13%) Land $350,000 Building $795,200
2022	$4,140.00	$13,790	$229,900 Land $229,900

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 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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