528 Flatwater Dr, Bluffton, SC 29910 Property Records

Beaufort County property record for 528 Flatwater Dr, Bluffton, SC 29910

Property Summary

Property Type	Single Family Home
Details	4 bd · 8 ba · 3,094 sqft · built 2021
Lot Size	0.289 acres (12,632 sqft)
Owner	Individual Name on Record
Last Sale	$495,000 (Jun 2018)
Tax Bill	$5,245 (2025)
Deeds & Mortgages	Apr 2021 Construction Loan Jun 2018 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`242005648`

Property Details

APN / Parcel Number

Primary APN	`242005648`
Alternative APN	`R614 029 000 2025 0000`

Interior

Bedrooms	4 Beds
Full Baths	8 Baths
Half Baths	4 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,094 sqft Living Area

Exterior

Year Built	Built 2021
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,632 sqft (0.289 acres)

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	242005648
Street Address	528 FLATWATER DR
City	BLUFFTON
State	SC
Zip	29910-9358
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4840 HAMPTON LAKE PH 4 PB145 PG95-98 PB146 PG144-147
Legal Subdivision	HAMPTON LAKE
Legal Phase	4
Legal Lot Number	4840
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	528 FLATWATER DR, BLUFFTON, SC 29910-9358
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2021	Intrafamily Transfer, Transfer · Construction Mortgage TD BANK NA
Jun 15, 2018	Warranty Deed, Transfer
Apr 16, 2018	Deed, Transfer · ARM SOUTH STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 15, 2018 · Amount on Record
Deed Sale	Jun 15, 2018 · Amount on Record
Prior Sale	Apr 16, 2018 · Amount on Record
Deed Document Number	0000032217
Deed Book / Page	003676 / 000781
Last Transfer Date	Apr 8, 2021
Transfer Doc	0000025220
Record Updated	Jun 8, 2026

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BEAUFORT SC
Recording Date	Apr 8, 2021
Property Address	528 FLATWATER DR, BLUFFTON, SC 29910-9358
Document Number	0000025220
Book / Page	3995 / 2003
Map Reference	MB 146 PG 144
Instrument Date	Mar 23, 2021
Instrument	2021025220
Transaction Type	Transfer
Record Updated	Apr 4, 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
Address	5007 STONY RUN DR, READING, PA 19606-3817

Mortgage

Document Number	0000025254
Date	Apr 8, 2021
Instrument	2021025254

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEAUFORT SC
Recording Date	Jun 15, 2018
Property Address	528 FLATWATER DR, BLUFFTON, SC 29910-9358
Document Number	0000032217
Book / Page	003676 / 000781
Instrument Date	Jun 14, 2018
Instrument	32217
Transaction Type	Transfer
Record Updated	Jul 2, 2018

Transaction

Amount	Amount Recorded
Tax	$1,831.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	36 GREEN TRAIL CT BLUFFTON SC 299109314, BLUFFTON, SC 29910-9314

April 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	BEAUFORT SC
Recording Date	Apr 16, 2018
Property Address	528 FLATWATER DR, BLUFFTON, SC 29910-9358
Document Number	0000019433
Book / Page	3659 / 1869
Map Reference	MB 146 PG 144
Instrument Date	Apr 9, 2018
Instrument	2018019433
Transaction Type	Transfer
Record Updated	Feb 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$758.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5007 STONY RUN DR, READING, PA 19606-3817

Mortgage

Document Number	0000019489
Date	Apr 16, 2018
Instrument	2018019489

Lender

Name	SOUTH STATE BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2033

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	May 1, 2021
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	7%
Index	1-Year LIBOR
Max Rate	11%

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	$5,245.00 (-0.06%)	$32,890 (-21.08%)
2024	$5,248.00 (-62.54%)	$41,676 (-) Land $14,000 Building $27,676	$1,041,900 (-) Land $350,000 Building $691,900
2023	$14,011.00 (+9.82%)	$41,676 (+45.7%) Land $14,000 Building $27,676	$1,041,900 (+45.7%) Land $350,000 Building $691,900
2022	$12,758.00	$28,604 Land $8,196 Building $20,408	$715,100 Land $204,900 Building $510,200

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 80% of the US · lower than 96% of South Carolina
Wildfire Likelihood	0.04% 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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