480 Flatwater Dr, Bluffton, SC 29910 Property Records

Beaufort County property record for 480 Flatwater Dr, Bluffton, SC 29910

Property Summary

Property Type	Single Family Home
Details	4 bd · 6 ba · 3,913 sqft · built 2020
Lot Size	0.408 acres (17,816 sqft)
Owner	2 Individual Names on Record
Last Sale	$214,900 (Dec 2018)
Tax Bill	$5,601 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Jun 2019 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`242008414`

Property Details

APN / Parcel Number

Primary APN	`242008414`
Alternative APN	`R614 029 000 2168 0000`

Interior

Bedrooms	4 Beds
Full Baths	6 Baths
Half Baths	3 Half Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,913 sqft Living Area
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,816 sqft (0.408 acres)

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	242008414
Street Address	480 FLATWATER DR
City	BLUFFTON
State	SC
Zip	29910-9365
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7716 HAMPTON LAKE PH 7 PB149 PG50
Legal Subdivision	HAMPTON LAKE
Legal Phase	7
Legal Lot Number	7716
Jurisdiction	BEAUFORT SC
Township / Civil Division	BLUFFTON
Census Block Group	2
Census Block	2003
Census Tract	2103

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	2 Individual Names on Record
Co-owner	Co-owner on Record
Mailing Address	480 FLATWATER DR, BLUFFTON, SC 29910-9365
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL BANK
Jun 21, 2019	Deed of Trust, Mortgage · Construction Mortgage FIRST FEDERAL BANK
Jul 1, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST FEDERAL BANK
Jul 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 3, 2018 · Amount on Record
Deed Sale	Dec 3, 2018 · Amount on Record
Deed Document Number	0037181841
Deed Book / Page	3718 / 1841
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEAUFORT SC
Property Address	480 FLATWATER DR, BLUFFTON, SC 29910-9365
Transaction Type	Mortgage
Record Updated	Apr 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014435
Date	Mar 9, 2022
Book Page	4122/2959
Instrument	2022014435

Lender

Name	FIRST FEDERAL BANK
Type	Bank
Address	ALPHARETTA, GA 30022

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2037

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEAUFORT SC
Property Address	480 FLATWATER DR, BLUFFTON, SC 29910-9365
Transaction Type	Mortgage
Record Updated	Mar 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000032697
Date	Jun 21, 2019
Book Page	3770/1022
Instrument	2019032697

Lender

Name	FIRST FEDERAL BANK
Type	Bank
Address	BEAUFORT, SC 29907

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Jul 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.99%
Type Change Date	Jul 1, 2027
Change Frequency	Annually
Min Rate At Change	2.99%
Max Rate At Change	6.99%
Index	1-Year LIBOR
Max Rate	9.99%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEAUFORT SC
Property Address	480 FLATWATER DR, BLUFFTON, SC 29910-9365
Transaction Type	Mortgage
Record Updated	Mar 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000034776
Date	Jul 1, 2020
Book Page	3880/191
Instrument	2020034776

Lender

Name	FIRST FEDERAL BANK
Type	Bank
Address	BEAUFORT, SC 29907

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Aug 1, 2030

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEAUFORT SC
Property Address	480 FLATWATER DR, BLUFFTON, SC 29910-9365
Transaction Type	Mortgage
Record Updated	Mar 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000034751
Date	Jul 1, 2020
Book Page	3880/1
Instrument	2020034751

Lender

Name	FIRST FEDERAL BANK
Type	Bank
Address	BEAUFORT, SC 29907

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 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
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	$5,601.00 (-0.05%)	$35,810 (-28.49%)
2024	$5,604.00	$50,080 (-) Land $14,000 Building $36,080	$1,252,000 (-) Land $350,000 Building $902,000
2023	$5,604.00 (+9.3%)	$50,080 (+60.84%) Land $14,000 Building $36,080	$1,252,000 (+60.84%) Land $350,000 Building $902,000
2022	$5,127.00 Homeowner's exemption	$31,136 Land $8,000 Building $23,136	$778,400 Land $200,000 Building $578,400

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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	0.02% 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 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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