1525 NORTH HIGWAY AI #506 # 506, 506, INDIALANTIC, FL 32903
August 2021: Warranty Deed, Transfer
Document Type
Warranty Deed
Jurisdiction
BEAUFORT SC
Recording Date
Aug 20, 2021
Property Address
453 GARDNERS CIR, BLUFFTON, SC 29910-5804
Document Number
0000059879
Book / Page
4051 / 1876
Map Reference
MB 95 PG 166
Instrument Date
Aug 18, 2021
Instrument
2021059879
Transaction Type
Transfer
Record Updated
Mar 12, 2026
Transaction
Amount
Amount on Record
Downpayment
Downpayment on Record
Loan-to-Value (LTV)
LTV on Record
Tax
$586.30
Amount Accuracy
Full Amount Stated
Additional
Arm's Length
Transferred From (Grantor/Seller)
Name
Verified Name
Transferred To (Grantee/Buyer)
Name
Verified Name
Address
453 GARDNERS CIR, BLUFFTON, SC 29910-5804
Investor
Possibly a Property Investor
Mortgage
Document Number
0000059880
Date
Aug 20, 2021
Instrument
2021059880
Lender
Name
MORTGAGE NETWORK INC
Type
Mortgage Company
Agreement
Type
Conventional Mortgage
Amount
Amount on Record
Term
361 Months
Due
Sep 1, 2051
December 2020: Deed of Trust, Mortgage
Document Type
Deed of Trust
Jurisdiction
BEAUFORT SC
Property Address
453 GARDNERS CIR, BLUFFTON, SC 29910-5804
Transaction Type
Mortgage
Record Updated
Feb 5, 2021
Title Company
AMROCK INC
Transferred To (Grantee/Buyer)
Name
Verified Name
Mortgage
Document Number
0000078063
Date
Dec 30, 2020
Book Page
3953/1331
Instrument
2020078063
Lender
Name
QUICKEN LOANS LLC
Type
Mortgage Company
Address
DETROIT, MI 48226
Agreement
Type
FHA Mortgage
Amount
Amount on Record
Term
361 Months
Due
Jan 1, 2051
Tax Assessment & Valuation
The 2025 property tax bill for 453 Gardners Cir was $4,951, up 27.6% from the year before.
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
$4,951.00 (+27.57%)
$17,100 (+26.39%)
2024
$3,881.00
$13,530 (-)
$268,700 (-5.72%)Land $75,000Building $193,700
2023
$3,881.00 (-4.24%)
$13,530 (+5%)
$285,000 (+26.39%)Land $75,000Building $210,000
2022
$4,053.00
$9,020Land $720Building $8,300
$225,500Land $18,000Building $207,500
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
FEMA maps place 453 Gardners Cir in Zone X, an area of minimal flood risk, though there have been 31 flood claims nearby since 2015.
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 428 policies
Community Rating System
Class 5 (25% premium discount)
Nearby Flood Policies
428 in force
Nearby Flood Claims
31 (2015–2024)
Claims Outside the SFHA
30 of 31
Most Recent Claim
Dec 2024 · rainfall accumulation
Claims by Event
Tropical Storm Debby, Aug 2024 · 12 claims
Hurricane Irma, Sep 2017 · 2 claims
Hurricane Matthew, Oct 2016 · 14 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
Wildfire risk around 453 Gardners Cir is low, with a 0.03% annual chance of 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 377 locations within half a mile, as of December 31, 2025