Beaufort County property record for 45 Hearth St, Bluffton, SC 29910
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 4,190 sqft · built 2015 |
| Lot Size | 0.65 acres (28,314 sqft) |
| Owner | Owner Name on File |
| Last Sale | $225,000 (Sep 2012) |
| Tax Bill | $26,299 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | R61404700000460000 |
| Primary APN | R61404700000460000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 4,190 sqft Living Area |
| Fireplace | Fireplace |
| Year Built | Built 2015 |
|---|---|
| Exterior Material | Fiber Cement Siding |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 28,314 sqft (0.65 acres) |
| Garage Type | Attached |
| Garage Area | 896 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Open Porch |
| Patio Area | 272 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 13207328 |
|---|---|
| Old Parcel Number | R61404700000460000 |
| Street Address | 45 HEARTH ST |
| City | BLUFFTON |
| State | SC |
| Zip | 29910-8379 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 6106 |
| Legal Description | LOT 281 PALMETTO BLUFF VILLAGE BLOCK G2 PB113 P105 |
| Legal Subdivision | PALMETTO BLUFF S/D |
| Legal Block | G2 |
| Legal Lot Number | 281 |
| Jurisdiction | BEAUFORT SC |
| Township / Civil Division | BLUFFTON |
| Census Block Group | 1 |
| Census Block | 1162 |
| Census Tract | 2102 |
The current owner of 45 Hearth St bought it in September 2012.
Source: Beaufort County records, as of March 11, 2026
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 82 E ALLENDALE RD # B, B, SADDLE RIVER, NJ 07458-3057 |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 12, 2012 · Amount on File |
| Deed Sale | Sep 12, 2012 · Amount on File |
| Prior Sale | Jul 3, 2006 · Amount on File |
| Deed Document Number | 2012052998 |
| Deed Book / Page | 3174 / 0410 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 45 Hearth St was $26,299, up 1.5% from the year before.
Source: Beaufort County assessment roll, as of September 13, 2025
| Type | Name |
|---|---|
| State | South Carolina |
| County | Beaufort County |
| Municipality | Bluffton Town |
| Unified School District | Beaufort County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $26,299.00 (+1.5%) | $92,170 (-) | |
| 2024 | $25,911.00 | $92,170 (-) | $2,693,300 (-) Land $775,000 Building $1,918,300 |
| 2023 | $25,911.00 (+9.95%) | $92,170 (+15.01%) | $2,693,300 (+66.29%) Land $775,000 Building $1,918,300 |
| 2022 | $23,566.00 | $80,140 | $1,619,600 Land $340,000 Building $1,279,600 |
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.
FEMA maps place 45 Hearth St in Zone X, an area of minimal flood risk, though there have been 13 flood claims nearby since 1991.
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 666 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 666 in force |
| Nearby Flood Claims | 13 (1991–2021) |
| Claims Outside the SFHA | 7 of 13 |
| Most Recent Claim | Jun 2021 · rainfall accumulation |
| Claims by Event |
|
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 risk around 45 Hearth St is moderate, ranking above 61% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 61% of the US · above 81% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 127 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Sparklight Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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