489 Flatwater Dr, Bluffton, SC 29910 Property Records

Beaufort County property record for 489 Flatwater Dr, Bluffton, SC 29910

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,089 sqft · built 2019
Lot Size	0.303 acres (13,199 sqft)
Owner	2 Individual Names on Record
Last Sale	$124,900 (Jun 2018)
Tax Bill	$4,092 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`242008401`

Property Details

APN / Parcel Number

Primary APN	`242008401`
Alternative APN	`R614 029 000 2155 0000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,089 sqft Living Area
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,199 sqft (0.303 acres)

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	242008401
Street Address	489 FLATWATER DR
City	BLUFFTON
State	SC
Zip	29910-9365
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7703 HAMPTON LAKE PH 7 PB149 PG50
Legal Subdivision	HAMPTON LAKE
Legal Phase	7
Legal Lot Number	7703
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	489 FLATWATER DR, BLUFFTON, SC 29910-9365
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage WYNDHAM CAPITAL MORTGAGE INC
Mar 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage WYNDHAM CAPITAL MORTGAGE INC
Mar 26, 2020	Deed of Trust, Mortgage · Line of Credit TD BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2018 · Amount on Record
Deed Sale	Jun 18, 2018 · Amount on Record
Deed Document Number	2018032818
Deed Book / Page	3676 / 3123
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEAUFORT SC
Property Address	489 FLATWATER DR, BLUFFTON, SC 29910-9365
Transaction Type	Mortgage
Record Updated	Apr 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001034
Date	Jan 7, 2022
Book Page	4102/261
Instrument	2022001034

Lender

Name	WYNDHAM CAPITAL MORTGAGE INC
Type	Mortgage Company
Address	CHARLOTTE, NC 28211

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEAUFORT SC
Property Address	489 FLATWATER DR, BLUFFTON, SC 29910-9365
Transaction Type	Mortgage
Record Updated	Apr 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021342
Date	Mar 25, 2021
Book Page	3989/107
Instrument	2021021342

Lender

Name	WYNDHAM CAPITAL MORTGAGE INC
Type	Mortgage Company
Address	CHARLOTTE, NC 28211

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEAUFORT SC
Property Address	489 FLATWATER DR, BLUFFTON, SC 29910-9365
Document Number	0000016990
Instrument Date	Mar 26, 2020
Transaction Type	Mortgage
Record Updated	May 28, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	489 FLATWATER DR BLUFFTON SC 299109365, BLUFFTON, SC 29910-9365

Mortgage

Document Number	0000016990
Date	Mar 31, 2020
Book Page	003850/002170
Instrument	16990

Lender

Name	TD BK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 30, 2050

Interest

Rate Type	Adjustable Rate

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	$4,092.00 (-0.05%)	$26,580 (-30.59%)
2024	$4,094.00	$38,296 (-) Land $8,600 Building $29,696	$957,400 (-) Land $215,000 Building $742,400
2023	$4,094.00 (+9.61%)	$38,296 (+65.7%) Land $8,600 Building $29,696	$957,400 (+65.7%) Land $215,000 Building $742,400
2022	$3,735.00 Homeowner's exemption	$23,112 Land $4,000 Building $19,112	$577,800 Land $100,000 Building $477,800

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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