445 Flatwater Dr, Bluffton, SC 29910 Property Records

Beaufort County property record for 445 Flatwater Dr, Bluffton, SC 29910

Property Summary

Property Type	Single Family Home
Details	6 ba · 2,454 sqft · built 2023
Lot Size	0.144 acres (6,273 sqft)
Owner	Individual Name on Record
Last Sale	$568,853 (May 2023)
Tax Bill	$3,805 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Apr 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`242009689`

Property Details

APN / Parcel Number

Primary APN	`242009689`
Alternative APN	`R614 029 000 2289 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	6,273 sqft (0.144 acres)

Utilities, Heating & Cooling

Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Account Number	242009689
Street Address	445 FLATWATER DR
City	BLUFFTON
State	SC
Zip	29910-9365
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8042 HAMPTON LAKE PH 8A PB152 P50
Legal Subdivision	HAMPTON LAKE
Legal Phase	8A
Legal Lot Number	8042
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	445 FLATWATER DR, BLUFFTON, SC 29910-9365
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 25, 2023	Limited Warranty Deed, Subdivision Related Transfer · Conventional Mortgage UNIVEST BANK & TRUST CO
Apr 1, 2021	Limited Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 25, 2023 · Amount on Record
Deed Sale	May 25, 2023 · Amount on Record
Prior Sale	Apr 1, 2021 · Amount on Record
Deed Document Number	2023024305
Deed Book / Page	4244 / 2896
Record Updated	Jun 8, 2026

May 2023: Limited Warranty Deed, Subdivision Related Transfer

Document Type	Limited Warranty Deed
Jurisdiction	BEAUFORT SC
Recording Date	May 25, 2023
Property Address	445 FLATWATER DR, BLUFFTON, SC 29910-9365
Document Number	0000024305
Book / Page	4244 / 2896
Map Reference	MB 152 PG 50
Instrument Date	May 24, 2023
Instrument	2023024305
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 30, 2024
Title Company	GOLDEN DOG TITLE AND TRUST

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,479.40
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	445 FLATWATER DR, BLUFFTON, SC 29910-9365

Mortgage

Document Number	0000024306
Date	May 25, 2023
Instrument	2023024306

Lender

Name	UNIVEST BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

Interest

Rate Type	Adjustable Rate

April 2021: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	BEAUFORT SC
Recording Date	Apr 1, 2021
Property Address	445 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	$3,805.00 (-0.05%)	$22,760 (-)
2024	$3,807.00 (+399.61%)	$22,760 (+449.76%) Land $6,000 Building $16,760	$569,000 (-) Land $150,000 Building $419,000
2023	$762.00 (-54.83%)	$4,140 (-23.33%)	$569,000 (+532.22%) Land $150,000 Building $419,000
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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