478 Lake Bluff Dr, Bluffton, SC 29910 Property Records

Beaufort County property record for 478 Lake Bluff Dr, Bluffton, SC 29910

Property Summary

Property Type	Single Family Home
Details	4 bd · 6 ba · 3,218 sqft · built 2017
Lot Size	0.38 acres (16,553 sqft)
Owner	2 Individual Names on File
Last Sale	$1,125,000 (Dec 2024)
Tax Bill	$19,372 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Mar 2018 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`242003891`

Property Details

APN / Parcel Number

Primary APN	`242003891`
Alternative APN	`R614 029 000 1796 0000`

Interior

Bedrooms	4 Beds
Full Baths	6 Baths
Half Baths	3 Half Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,218 sqft Living Area
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,553 sqft (0.38 acres)
Garage Type	Attached
Garage Area	576 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	242003891
Street Address	478 LAKE BLUFF DR
City	BLUFFTON
State	SC
Zip	29910-9350
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3015 HAMPTON LAKE PH 3 PB141 PG64-68~03/18 AC CHANGED & LOT LINE RECONFIGURE
Legal Subdivision	HAMPTON LAKE
Legal Phase	3
Legal Lot Number	3015
Jurisdiction	BEAUFORT SC
Township / Civil Division	BLUFFTON
Census Block Group	2
Census Block	2003
Census Tract	2103

Owner

478 Lake Bluff Dr is owned by two individuals who bought it in December 2024.

Source: Beaufort County records, as of March 11, 2026

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	NASHVILLE, IN 47448
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2021	Deed, Transfer · VA Mortgage SOUTH STATE BANK NA
Mar 6, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Mar 1, 2017	Loan Modification, Mortgage CITIZENS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 2024 · Amount on File
Deed Sale	Dec 4, 2024 · Amount on File
Prior Sale	Mar 6, 2018
Deed Document Number	0004393571
Deed Book / Page	4059 / 558
Prior Transfer Date	Sep 10, 2021
Prior Transfer Doc	2021064681
Record Updated	Jun 8, 2026

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	BEAUFORT SC
Recording Date	Sep 10, 2021
Property Address	478 LAKE BLUFF DR, BLUFFTON, SC 29910-9350
Document Number	0000064681
Book / Page	4059 / 558
Map Reference	MB 146 PG 41
Instrument Date	Sep 8, 2021
Instrument	2021064681
Transaction Type	Transfer
Record Updated	Apr 4, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,392.00
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	478 LAKE BLUFF DR, BLUFFTON, SC 29910-9350

Mortgage

Document Number	0000064682
Date	Sep 10, 2021
Book Page	4059/562
Instrument	2021064682

Lender

Name	SOUTH STATE BANK NA
Type	Bank
Address	CHARLESTON, SC 29406

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BEAUFORT SC
Recording Date	Mar 6, 2018
Property Address	478 LAKE BLUFF DR, BLUFFTON, SC 29910-9350
Document Number	0000011805
Book / Page	003649 / 000771
Instrument Date	Feb 23, 2018
Instrument	11805
Transaction Type	Transfer
Record Updated	Mar 16, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	478 LAKE BLUFF DR BLUFFTON SC 299109350, BLUFFTON, SC 29910-9350

March 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BEAUFORT SC
Property Address	478 LAKE BLUFF DR, BLUFFTON, SC 29910-9350
Document Number	0000027602
Book / Page	003577 / 000538
Instrument Date	Mar 1, 2017
Transaction Type	Mortgage
Record Updated	Jul 26, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027602
Date	May 23, 2017
Book Page	003577/000538
Instrument	27602

Lender

Name	CITIZENS BK
Type	Bank
Address	GLEN ALLEN, VA 23059

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 22, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.25%

Tax Assessment & Valuation

The 2025 property tax bill for 478 Lake Bluff Dr was $19,372, up 213.4% 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	$19,372.00 (+213.36%)	$67,500 (+69.55%)
2024	$6,182.00	$39,812 (-) Land $8,600 Building $31,212	$995,300 (-11.53%) Land $215,000 Building $780,300
2023	$6,182.00 (+2.74%)	$39,812 (+8.18%) Land $8,600 Building $31,212	$1,125,000 (+22.28%) Land $215,000 Building $910,000
2022	$6,017.00 Homeowner's exemption	$36,800 Land $4,000 Building $32,800	$920,000 Land $100,000 Building $820,000

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

FEMA maps place 478 Lake Bluff Dr in Zone X, an area of minimal flood risk.

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 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

Wildfire risk around 478 Lake Bluff Dr 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 93% of the US · lower than 98% of South Carolina
Wildfire Likelihood	0.03% 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 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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