445 Colonel Thomas Heyward Rd, Bluffton (Okatie), SC 29909 Property Records

Beaufort County property record for 445 Colonel Thomas Heyward Rd, Bluffton, SC 29909

Property Summary

Property Type	Single Family Home
Details	2,410 sqft · built 2004
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on Record
Last Sale	$648,000 (Jun 2022)
Tax Bill	$9,345 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Jan 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`11009368`

Property Details

APN / Parcel Number

Primary APN	`11009368`
Alternative APNs	`R600 028 000 0429 0000` `R603 028 000 0429 0000`

Interior

Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,410 sqft Living Area

Exterior

Year Built	Built 2004
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	11,326 sqft (0.26 acres)
Garage Type	Attached
Garage Area	464 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Patio Area	294 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Account Number	11009368
Old Parcel Number	R603 028 000 0429 0000
Street Address	445 COLONEL THOMAS HEYWARD RD
City	BLUFFTON
State	SC
Zip	29909-5035
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	4116
Legal Description	LOT 306 PINE LAKES S/D BLK 37 PB93 P166-167 PB94 P98-99 PB96 P3-4 PB110 P166-167
Legal Subdivision	DEL WEBB SUN CITY
Legal Block	37
Legal Lot Number	306
Jurisdiction	BEAUFORT SC
Township / Civil Division	BLUFFTON
Census Block Group	2
Census Block	2001
Census Tract	2109

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	810 DOW AVE, GENEVA, IL 60134-3028
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2022	Warranty Deed, Transfer · Conventional Mortgage GATEWAY FIRST BANK
Jan 22, 2021	Deed of Trust, Mortgage · Line of Credit COASTAL STATES BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2022 · Amount on Record
Deed Sale	Jun 28, 2022 · Amount on Record
Prior Sale	Jan 25, 2013 · Amount on Record
Deed Document Number	2022037427
Deed Book / Page	4159 / 1867
Record Updated	Jun 8, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEAUFORT SC
Recording Date	Jun 28, 2022
Property Address	445 COLONEL THOMAS HEYWARD RD, BLUFFTON, SC 29909-5035
Document Number	0000037427
Book / Page	4159 / 1867
Map Reference	MB 96 PG 3
Instrument Date	Jun 23, 2022
Instrument	2022037427
Transaction Type	Transfer
Record Updated	Jul 5, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,684.80
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	810 DOW AVE, GENEVA, IL 60134-3028

Mortgage

Document Number	0000037430
Date	Jun 28, 2022
Instrument	2022037430

Lender

Name	GATEWAY FIRST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEAUFORT SC
Property Address	445 COLONEL THOMAS HEYWARD RD, BLUFFTON, SC 29909-5035
Transaction Type	Mortgage
Record Updated	Feb 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 COLONEL THOMAS HEYWARD RD, BLUFFTON, SC 29909-5035

Mortgage

Document Number	0000005179
Date	Jan 22, 2021
Book Page	3962/1271
Instrument	2021005179

Lender

Name	COASTAL STATES BANK
Address	HILTON HEAD ISLAND, SC 29938

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jan 15, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	South Carolina
County	Beaufort County
Unified School District	Beaufort County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,345.00 (+1.71%)	$37,310 (-)
2024	$9,188.00	$37,310 (-)	$621,800 (-) Land $67,500 Building $554,300
2023	$9,188.00 (+525.46%)	$37,310 (+194.24%)	$621,800 (+96.21%) Land $67,500 Building $554,300
2022	$1,469.00	$12,680	$316,900 Land $52,000 Building $264,900

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 247 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	247 in force
Nearby Flood Claims	1 (2025)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2025 · rainfall accumulation

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 80% of the US · lower than 96% of South Carolina
Wildfire Likelihood	0.01% 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 297 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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