509 Flatwater Dr, Bluffton, SC 29910 Property Records

Beaufort County property record for 509 Flatwater Dr, Bluffton, SC 29910

Property Summary

Property Type	Single Family Home
Details	4 bd · 6 ba · 3,733 sqft · built 2022
Lot Size	0.41 acres (17,860 sqft)
Owner	2 Company Names on Record
Last Sale	$1,409,000 (May 2023)
Tax Bill	$9,210 (2025)
Deeds & Mortgages	Dec 2025 Transfer Apr 2022 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`242005657`

Property Details

APN / Parcel Number

Primary APN	`242005657`
Alternative APN	`R614 029 000 2034 0000`

Interior

Bedrooms	4 Beds
Full Baths	6 Baths
Half Baths	4 Half Baths
Total Rooms	11 Rooms
Stories	1 Story
Building Area	3,733 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,860 sqft (0.41 acres)

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	509 FLATWATER DR
City	BLUFFTON
State	SC
Zip	29910-9358
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4849 HAMPTON LAKE PH 4 PB145 PG95-98 PB146 PG144-147
Legal Subdivision	HAMPTON LAKE
Legal Phase	4
Legal Lot Number	4849
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 12, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	509 FLATWATER DR, BLUFFTON, SC 29910-9358
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2025	Intrafamily Transfer, Transfer
Apr 25, 2022	Deed of Trust, Mortgage · Construction Mortgage CENTRAL TRUST BANK
Oct 20, 2022	Deed of Trust, Mortgage · Line of Credit CENTRAL TRUST BANK
May 2, 2023	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 2, 2023 · Amount on Record
Deed Sale	May 2, 2023 · Amount on Record
Prior Sale	Mar 31, 2017 · Amount on Record
Deed Document Number	202320041
Deed Book / Page	4237 / 3159
Last Transfer Date	Dec 10, 2025
Transfer Doc	0000055657
Record Updated	Sep 20, 2026

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BEAUFORT SC
Recording Date	Dec 12, 2025
Property Address	509 FLATWATER DR, BLUFFTON, SC 29910-9358
Document Number	0000055657
Book / Page	4491 / 482
Map Reference	MB 145 PG 95
Instrument Date	Dec 10, 2025
Instrument	2025055657
Transaction Type	Transfer
Record Updated	Dec 31, 2025

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
Address	509 FLATWATER DR, BLUFFTON, SC 29910-9358

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEAUFORT SC
Property Address	509 FLATWATER DR, BLUFFTON, SC 29910-9358
Transaction Type	Mortgage
Record Updated	Apr 30, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2111 ROCK QUARRY RD, COLUMBIA, MO 65201-5250
Investor	Possibly a Property Investor

Mortgage

Document Number	0000024493
Date	Apr 25, 2022
Book Page	4139/612
Instrument	2022024493

Lender

Name	CENTRAL TRUST BANK
Type	Bank
Address	JEFFERSON CITY, MO 65101

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEAUFORT SC
Property Address	509 FLATWATER DR, BLUFFTON, SC 29910-9358
Transaction Type	Mortgage
Record Updated	Apr 30, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2111 ROCK QUARRY RD, COLUMBIA, MO 65201-5250
Investor	Possibly a Property Investor

Mortgage

Document Number	0000058133
Date	Oct 20, 2022
Book Page	4191/2348
Instrument	2022058133

Lender

Name	CENTRAL TRUST BANK
Type	Bank
Address	JEFFERSON CITY, MO 65101

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	6 Months
Due	Apr 22, 2023

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEAUFORT SC
Recording Date	May 2, 2023
Property Address	509 FLATWATER DR, BLUFFTON, SC 29910-9358
Document Number	0000020041
Book / Page	4237 / 3159
Map Reference	MB 145 PG 95
Instrument Date	Apr 3, 2023
Instrument	2023020041
Transaction Type	Transfer
Record Updated	Apr 30, 2024

Transaction

Amount	Amount Recorded
Tax	$3,663.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	509 FLATWATER DR, BLUFFTON, SC 29910-9358

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	$9,210.00 (-0.07%)	$56,360 (-)
2024	$9,216.00 (+38.65%)	$56,360 (+29.3%) Land $8,600 Building $47,760	$1,409,000 (-) Land $215,000 Building $1,194,000
2023	$6,647.00 (+159.24%)	$43,588 (+418.9%) Land $8,600 Building $34,988	$1,409,000 (+906.43%) Land $215,000 Building $1,194,000
2022	$2,564.00	$8,400	$140,000 Land $140,000

Assessed value is set for property tax purposes, not a market price estimate; it is 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	0.03% 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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