448 Flatwater Dr, Bluffton, SC 29910 Property Records

Beaufort County property record for 448 Flatwater Dr, Bluffton, SC 29910

Property Summary

Property Type	Single Family Home
Details	4 bd · 6 ba · 3,540 sqft · built 2021
Lot Size	0.421 acres (18,339 sqft)
Owner	2 Company Names on Record
Last Sale	$1,480,000 (Jan 2023)
Tax Bill	$9,290 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Jan 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`242009694`

Property Details

APN / Parcel Number

Primary APN	`242009694`
Alternative APN	`R614 029 000 2294 0000`

Interior

Bedrooms	4 Beds
Full Baths	6 Baths
Half Baths	4 Half Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,540 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Construction Type	Wood
Roof Type	Hip
Roof Material	Asphalt
Lot Area	18,339 sqft (0.421 acres)

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	448 FLATWATER DR
City	BLUFFTON
State	SC
Zip	29910-9365
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8064 HAMPTON LAKE PH 8A PB152 P50
Legal Subdivision	HAMPTON LAKE
Legal Phase	8A
Legal Lot Number	8064
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 12, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	448 FLATWATER DR, BLUFFTON, SC 29910-9365
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE NETWORK INC
Jan 4, 2023	Warranty Deed, Transfer · Conventional Mortgage TD BANK NA
Nov 3, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Jun 25, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 4, 2023 · Amount on Record
Deed Sale	Jan 4, 2023 · Amount on Record
Prior Sale	Jun 25, 2020 · Amount on Record
Deed Document Number	2023415
Deed Book / Page	4209 / 747
Last Transfer Date	Feb 19, 2025
Transfer Doc	0000007399
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEAUFORT SC
Property Address	448 FLATWATER DR, BLUFFTON, SC 29910-9365
Transaction Type	Mortgage
Record Updated	Apr 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000080337
Date	Nov 17, 2021
Book Page	4085/570
Instrument	2021080337

Lender

Name	MORTGAGE NETWORK INC
Type	Mortgage Company
Address	DANVERS, MA 01923

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEAUFORT SC
Recording Date	Jan 4, 2023
Property Address	448 FLATWATER DR, BLUFFTON, SC 29910-9365
Document Number	0000000415
Book / Page	4209 / 747
Map Reference	MB 152 PG 50
Instrument Date	Nov 29, 2022
Instrument	2023000415
Transaction Type	Transfer
Record Updated	Apr 4, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,848.00
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	14220 S 87TH AVE, ORLAND PARK, IL 60462-4274

Mortgage

Document Number	0000000416
Date	Jan 4, 2023
Instrument	2023000416

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Jan 1, 2030
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10%
Index	Other
Margin	3
Max Rate	10%

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BEAUFORT SC
Recording Date	Nov 3, 2020
Property Address	448 FLATWATER DR, BLUFFTON, SC 29910-9365
Document Number	0000064246
Book / Page	003930 / 001032
Instrument Date	Nov 3, 2020
Instrument	64246
Transaction Type	Transfer
Record Updated	Nov 17, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	516 FLATWATER DR BLUFFTON SC 299109358, BLUFFTON, SC 29910-9358

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BEAUFORT SC
Recording Date	Jun 25, 2020
Property Address	448 FLATWATER DR, BLUFFTON, SC 29910-9365
Document Number	0000033292
Book / Page	003877 / 001374
Instrument Date	Jun 25, 2020
Instrument	33292
Transaction Type	Transfer
Record Updated	Aug 24, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$782.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	516 FLATWATER DR BLUFFTON SC 299109358, BLUFFTON, SC 29910-9358

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	$9,290.00 (-3.34%)	$59,200 (-)
2024	$9,611.00 (-61.71%)	$59,200 (-33.33%) Land $14,000 Building $45,200	$1,480,000 (-) Land $350,000 Building $1,130,000
2023	$25,098.00 (+366.77%)	$88,800 (+172.09%)	$1,480,000 (+81.39%) Land $350,000 Building $1,130,000
2022	$5,377.00 Homeowner's exemption	$32,636 Land $8,000 Building $24,636	$815,900 Land $200,000 Building $615,900

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 93% of the US · lower than 98% of South Carolina
Wildfire Likelihood	0.02% 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 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.

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