497 Flatwater Dr, Bluffton, SC 29910 Property Records

Beaufort County property record for 497 Flatwater Dr, Bluffton, SC 29910

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,633 sqft · built 2019
Lot Size	0.267 acres (11,631 sqft)
Owner	2 Individual Names on Record
Last Sale	$119,900 (Nov 2018)
Tax Bill	$3,783 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Jun 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`242008399`

Property Details

APN / Parcel Number

Primary APN	`242008399`
Alternative APN	`R614 029 000 2153 0000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,633 sqft Living Area

Exterior

Year Built	Built 2019
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,631 sqft (0.267 acres)

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	242008399
Street Address	497 FLATWATER DR
City	BLUFFTON
State	SC
Zip	29910-9365
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7701 HAMPTON LAKE PH 7 PB149 PG50
Legal Subdivision	HAMPTON LAKE
Legal Phase	7
Legal Lot Number	7701
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
Mailing Address	497 FLATWATER DR, BLUFFTON, SC 29910-9365
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage WYNDHAM CAPITAL MORTGAGE INC
Jun 6, 2019	Deed of Trust, Mortgage · Conventional Mortgage GATEWAY MORTGAGE GROUP LLC
Apr 14, 2020	Deed of Trust, Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 21, 2018 · Amount on Record
Deed Sale	Nov 21, 2018 · Amount on Record
Deed Document Number	2018062578
Deed Book / Page	3716 / 1656
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEAUFORT SC
Property Address	497 FLATWATER DR, BLUFFTON, SC 29910-9365
Transaction Type	Mortgage
Record Updated	Apr 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000087618
Date	Dec 21, 2021
Book Page	4096/3217
Instrument	2021087618

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEAUFORT SC
Property Address	497 FLATWATER DR, BLUFFTON, SC 29910-9365
Transaction Type	Mortgage
Record Updated	Aug 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029358
Date	Jun 6, 2019
Book Page	3765/3148
Instrument	2019029358

Lender

Name	GATEWAY MORTGAGE GROUP LLC
Type	Mortgage Company
Address	JENKS, OK 74037

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2049

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEAUFORT SC
Property Address	497 FLATWATER DR, BLUFFTON, SC 29910-9365
Document Number	0000022938
Instrument Date	Apr 14, 2020
Transaction Type	Mortgage
Record Updated	Jul 21, 2020
Title Company	RAVENSWOOD TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	497 FLATWATER DR BLUFFTON SC 299109365, BLUFFTON, SC 29910-9365

Mortgage

Document Number	0000022938
Date	May 5, 2020
Book Page	003860/002838
Instrument	22938

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 4, 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	$3,783.00 (-0.05%)	$24,620 (-13.9%)
2024	$3,785.00	$28,596 (-) Land $8,600 Building $19,996	$714,900 (-) Land $215,000 Building $499,900
2023	$3,785.00 (+9.68%)	$28,596 (+33.55%) Land $8,600 Building $19,996	$714,900 (+33.55%) Land $215,000 Building $499,900
2022	$3,451.00 Homeowner's exemption	$21,412 Land $4,000 Building $17,412	$535,300 Land $100,000 Building $435,300

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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