493 Flatwater Dr, Bluffton, SC 29910 Property Records

Beaufort County property record for 493 Flatwater Dr, Bluffton, SC 29910

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 2,823 sqft · built 2019
Lot Size	0.268 acres (11,674 sqft)
Owner	Company Name on Record
Last Sale	$925,000 (Oct 2021)
Tax Bill	$5,420 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jun 2026 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`242008400`

Property Details

APN / Parcel Number

Primary APN	`242008400`
Alternative APN	`R614 029 000 2154 0000`

Interior

Full Baths	4.5 Baths
Half Baths	3 Half Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	2,823 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,674 sqft (0.268 acres)

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	493 FLATWATER DR
City	BLUFFTON
State	SC
Zip	29910-9365
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7702 HAMPTON LAKE PH 7 PB149 PG50
Legal Subdivision	HAMPTON LAKE
Legal Phase	7
Legal Lot Number	7702
Jurisdiction	BEAUFORT SC
Township / Civil Division	BLUFFTON
Census Block Group	2
Census Block	2003
Census Tract	2103

Owner

Source: Beaufort County records, as of July 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	493 FLATWATER DR, BLUFFTON, SC 29910-9365
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2026	Deed, Transfer · Conventional Mortgage NORTHPOINT MORTGAGE
Jun 26, 2026	Deed of Trust, Mortgage · Conventional Mortgage NORTHPOINT MORTGAGE
Oct 15, 2021	Intrafamily Transfer, Transfer
Oct 7, 2021	Warranty Deed, Transfer · Conventional Mortgage GEORGE MASON MORTGAGE LLC
Aug 11, 2020	Warranty Deed, Transfer · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 7, 2021 · Amount on Record
Deed Sale	Oct 7, 2021 · Amount on Record
Prior Sale	Aug 11, 2020 · Amount on Record
Deed Document Number	202171043
Deed Book / Page	4069 / 2378
Last Transfer Date	Oct 12, 2021
Transfer Doc	0000072918
Record Updated	Sep 20, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	BEAUFORT SC
Recording Date	Jul 15, 2026
Property Address	493 FLATWATER DR, BLUFFTON, SC 29910-9365
Document Number	0000031556
Book / Page	4559 / 725
Instrument Date	Jun 25, 2026
Instrument	202631556
Transaction Type	Transfer
Record Updated	Aug 4, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$420,412.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	493 FLATWATER DR, BLUFFTON, SC 29910-9365

Mortgage

Document Number	0000031557,
Date	Jul 15, 2026
Book Page	4559/728
Instrument	202631557

Lender

Name	NORTHPOINT MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEAUFORT SC
Recording Date	Jun 26, 2026
Property Address	493 FLATWATER DR, BLUFFTON, SC 29910-9365
Document Number	0000028599
Book / Page	4552 / 2796
Instrument Date	Jun 23, 2026
Instrument	202628599
Transaction Type	Mortgage
Record Updated	Jul 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4266 REDWOOD CT, BOULDER, CO 80301-1636

Mortgage

Document Number	0000028599,
Date	Jun 26, 2026
Book Page	4552/2796
Instrument	202628599

Lender

Name	NORTHPOINT MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.53%
Initial Type	Fixed Rate
Max Rate	-1%

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BEAUFORT SC
Recording Date	Oct 15, 2021
Property Address	493 FLATWATER DR, BLUFFTON, SC 29910-9365
Document Number	0000072918
Book / Page	4072 / 2280
Map Reference	MB 149 PG 50
Instrument Date	Oct 12, 2021
Instrument	2021072918
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	493 FLATWATER DR, BLUFFTON, SC 29910-9365

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEAUFORT SC
Recording Date	Oct 7, 2021
Property Address	493 FLATWATER DR, BLUFFTON, SC 29910-9365
Document Number	0000071043
Book / Page	4069 / 2378
Map Reference	MB 149 PG 50
Instrument Date	Sep 9, 2021
Instrument	2021071043
Transaction Type	Transfer
Record Updated	Apr 4, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,405.00
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	493 FLATWATER DR, BLUFFTON, SC 29910-9365

Mortgage

Document Number	0000071044
Date	Oct 7, 2021
Instrument	2021071044

Lender

Name	GEORGE MASON MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEAUFORT SC
Recording Date	Aug 11, 2020
Property Address	493 FLATWATER DR, BLUFFTON, SC 29910-9365
Document Number	0000043954
Book / Page	3895 / 1721
Map Reference	MB 149 PG 50
Instrument Date	Aug 2, 2020
Instrument	2020043954
Transaction Type	Transfer
Record Updated	Feb 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,015.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	493 FLATWATER DR, BLUFFTON, SC 29910-9365

Mortgage

Document Number	0000043955
Date	Aug 11, 2020
Instrument	2020043955

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.99%
Type Change Date	Sep 1, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	4.99%
Index	1-Year LIBOR
Max Rate	8.99%

Tax Assessment & Valuation

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

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	$5,420.00 (-0.06%)	$33,000 (-)
2024	$5,423.00	$33,000 (-) Land $5,200 Building $27,800	$825,000 (-) Land $130,000 Building $695,000
2023	$5,423.00 (-15.05%)	$33,000 (-10.81%) Land $5,200 Building $27,800	$825,000 (-10.81%) Land $130,000 Building $695,000
2022	$6,384.00 Homeowner's exemption	$37,000 Land $5,200 Building $31,800	$925,000 Land $130,000 Building $795,000

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 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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