46 Shell Ring Rd, Hilton Head Island, SC 29928 Property Records

Beaufort County property record for 46 Shell Ring Rd, Hilton Head Island, SC 29928

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 3,574 sqft · built 2007
Lot Size	0.139 acres (6,068 sqft)
Owner	2 Company Names on Record
Last Sale	$1,465,000 (Jan 2023)
Tax Bill	$21,535 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`R55001400B01240000`

Property Details

APN / Parcel Number

Primary APN	`R55001400B01240000`
Alternative APN	`01854176`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	3,574 sqft Living Area
1st Floor Area	1,773 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Wood Shingle
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Asphalt
Lot Area	6,068 sqft (0.139 acres)
Garage Type	Attached
Garage Area	482 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	Deck Area
Patio Area	184 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	46 SHELL RING RD
City	HILTON HEAD ISLAND
State	SC
Zip	29928-4523
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	4115
Legal Description	LOT 21 CAROLINA PLACE PB 34 P 107 PB 34 P 202
Legal Subdivision	SEA PINES PATIO&TOWNHOUSE LOTS
Legal Lot Number	21
Jurisdiction	BEAUFORT SC
Township / Civil Division	HILTON HEAD ISLAND
Census Block Group	2
Census Block	2008
Census Tract	10200

Owner

Source: Beaufort County records, as of September 28, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on Record
Mailing Address	MOORESVILLE, NC 28117
Owner Type	Company
Vesting	Trust, Revocable Living Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2023	Warranty Deed, Transfer · Conventional Mortgage TD BANK NA
May 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO
Nov 9, 2020	Warranty Deed, Transfer · Conventional Mortgage CADENCE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 9, 2023 · Amount on Record
Deed Sale	Jan 9, 2023 · Amount on Record
Prior Sale	Nov 9, 2020 · Amount on Record
Deed Document Number	2023804
Deed Book / Page	4209 / 3101
Last Transfer Date	Aug 14, 2024
Transfer Doc	0000042947
Record Updated	Oct 29, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEAUFORT SC
Recording Date	Jan 9, 2023
Property Address	46 SHELL RING RD, HILTON HEAD ISLAND, SC 29928-4523
Document Number	0000000804
Book / Page	4209 / 3101
Map Reference	MB 34 PG 202
Instrument Date	Dec 19, 2022
Instrument	2023000804
Transaction Type	Transfer
Record Updated	Jan 23, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,809.00
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	123 TORRENCE CHAPEL RD, MOORESVILLE, NC 28117-7337

Mortgage

Document Number	0000000805
Date	Jan 9, 2023
Instrument	2023000805

Lender

Name	TD BANK NA
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Feb 1, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10%
Index	Other
Margin	3
Max Rate	10%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEAUFORT SC
Property Address	46 SHELL RING RD, HILTON HEAD ISLAND, SC 29928-4523
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024232
Date	May 11, 2020
Book Page	3862/1370
Instrument	2020024232

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	COLUMBIA, SC 29211

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.73%
Type Change Date	Jun 1, 2023
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	4.73%
Index	1-Year LIBOR
Max Rate	8.73%

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEAUFORT SC
Recording Date	Nov 9, 2020
Property Address	46 SHELL RING RD, HILTON HEAD ISLAND, SC 29928-4523
Document Number	0000065454
Book / Page	3932 / 926
Map Reference	MB 34 PG 202
Instrument Date	Oct 23, 2020
Instrument	2020065454
Transaction Type	Transfer
Record Updated	Feb 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,132.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 CHEROKEE ORCHARD CT, FAIRVIEW, NC 28730-5516

Mortgage

Document Number	0000065455
Date	Nov 9, 2020
Instrument	2020065455

Lender

Name	CADENCE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

Source: Beaufort County assessment roll, as of March 12, 2026

Property Jurisdictions

Type	Name
State	South Carolina
County	Beaufort County
Municipality	Hilton Head Island Town
Unified School District	Beaufort County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$21,535.00 (+1%)	$87,900 (-)
2024	$21,321.00 (+0.1%)	$87,900 (-)	$1,465,000 (-) Land $250,000 Building $1,215,000
2023	$21,299.00 (+69.44%)	$87,900 (+78.66%)	$1,465,000 (+78.66%) Land $250,000 Building $1,215,000
2022	$12,570.00	$49,200	$820,000 Land $240,000 Building $580,000

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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 208 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	444 units insured incl. 236 condo units
Nearby Flood Claims	88 (1988–2025)
Claims Outside the SFHA	3 of 88
Most Recent Claim	Aug 2025 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 14 claims Hurricane Matthew, Oct 2016 · 47 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 2 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 51% of the US · above 57% of South Carolina
Wildfire Likelihood	0.08% 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	SOUTH ISLAND PSD serves 18,299 people · EPA ID SC0720001
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sparklight Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 35
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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