45 Spartina Cres, Bluffton, SC 29910 Property Records

Beaufort County property record for 45 Spartina Cres, Bluffton, SC 29910

Property Summary

Property Type	Single Family Home
Details	1 bd · 4,206 sqft · built 1996
Lot Size	0.56 acres (24,394 sqft)
Owner	Individual Name on Record
Last Sale	$715,000 (Aug 2020)
Tax Bill	$4,138 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Aug 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`R60002300A01270000`

Property Details

APN / Parcel Number

Primary APN	`R60002300A01270000`
Alternative APN	`02320731`

Interior

Bedrooms	1 Bed
Total Rooms	1 Room
Stories	2 Stories
Building Area	4,206 sqft Living Area
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asphalt
Lot Area	24,394 sqft (0.56 acres)
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Deck Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	02320731
Old Parcel Number	R60002300A01270000
Street Address	45 SPARTINA CRES
City	BLUFFTON
State	SC
Zip	29910-4702
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	6116
Legal Description	LOT 194 BLK E ROSEHILL PL. PLAT BOOK 31 PAGE 157
Legal Subdivision	ROSEHILL ESTATE SIDE
Legal Block	E
Legal Lot Number	194
Jurisdiction	BEAUFORT SC
Township / Civil Division	BLUFFTON
Census Block Group	1
Census Block	1017
Census Tract	2201

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	45 SPARTINA CRES, BLUFFTON, SC 29910-4702
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 14, 2022	Deed of Trust, Mortgage · Line of Credit SYNOVUS BANK
Aug 21, 2020	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE NETWORK INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2020 · Amount on Record
Deed Sale	Aug 21, 2020 · Amount on Record
Prior Sale	Apr 1, 2016 · Amount on Record
Deed Document Number	2020046423
Deed Book / Page	3899 / 1839
Record Updated	Jun 8, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEAUFORT SC
Property Address	45 SPARTINA CRES, BLUFFTON, SC 29910-4702
Transaction Type	Mortgage
Record Updated	Dec 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 SPARTINA CRES, BLUFFTON, SC 29910-4702

Mortgage

Document Number	0000066662
Date	Dec 14, 2022
Book Page	4204/3049
Instrument	2022066662

Lender

Name	SYNOVUS BANK
Type	Bank
Address	COLUMBUS, GA 31901

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 8, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEAUFORT SC
Recording Date	Aug 21, 2020
Property Address	45 SPARTINA CRES, BLUFFTON, SC 29910-4702
Document Number	0000046423
Book / Page	3899 / 1839
Map Reference	MB 31 PG 157
Instrument Date	Aug 13, 2020
Instrument	2020046423
Transaction Type	Transfer
Record Updated	Feb 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,859.00
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	45 SPARTINA CRES, BLUFFTON, SC 29910-4702

Mortgage

Document Number	0000046426
Date	Aug 21, 2020
Instrument	2020046426

Lender

Name	MORTGAGE NETWORK INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

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	$4,138.00 (-0.07%)	$32,890 (-22.78%)
2024	$4,141.00	$42,592 (-) Land $11,800 Building $30,792	$1,064,800 (-) Land $295,000 Building $769,800
2023	$4,141.00 (+8.92%)	$42,592 (+48.92%) Land $11,800 Building $30,792	$1,064,800 (+48.92%) Land $295,000 Building $769,800
2022	$3,802.00	$28,600 Land $9,600 Building $19,000	$715,000 Land $240,000 Building $475,000

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 538 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	538 in force
Nearby Flood Claims	31 (1991–2019)
Claims Outside the SFHA	1 of 31
Most Recent Claim	Jun 2019 · other causes
Claims by Event	Hurricane Irma, Sep 2017 · 8 claims Hurricane Matthew, Oct 2016 · 19 claims

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	Moderate above 59% of the US · above 77% of South Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sparklight Cable	1,000 / 50

Cell Coverage

5G and 4G LTE (outdoors only)

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