Beaufort County property record for 628 Flatwater Dr, Bluffton, SC 29910
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 6 ba · 3,534 sqft · built 2023 |
| Lot Size | 0.339 acres (14,810 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $217,000 (Jun 2019) |
| Tax Bill | $7,433 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage Jun 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 242005613 |
| Primary APN | 242005613 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 6 Baths |
| Half Baths | 3 Half Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 3,534 sqft Living Area |
| Year Built | Built 2023 |
|---|---|
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 14,810 sqft (0.339 acres) |
| Heating System | Heat Pump |
|---|
| Account Number | 242005613 |
|---|---|
| Street Address | 628 FLATWATER DR |
| City | BLUFFTON |
| State | SC |
| Zip | 29910-9359 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 4805 HAMPTON LAKE PH 4 PB145 PG95-98 PB146 PG144-147 |
| Legal Subdivision | HAMPTON LAKE |
| Legal Phase | 4 |
| Legal Lot Number | 4805 |
| Jurisdiction | BEAUFORT SC |
| Township / Civil Division | BLUFFTON |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 2103 |
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 |
|---|---|
| Mailing Address | 46 KENWOOD DR, BLUFFTON, SC 29910-4559 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 11, 2022 | Deed of Trust, Mortgage · Conventional Mortgage SOUTH STATE BANK NA |
| Jun 28, 2019 | Grant Deed, Transfer · Conventional Mortgage SOUTH ST BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 27, 2019 · Amount on Record |
| Deed Sale | Jun 27, 2019 · Amount on Record |
| Deed Document Number | 0037721195 |
| Deed Book / Page | 3772 / 1195 |
| Last Transfer Date | Jun 28, 2019 |
| Transfer Doc | 0000034305 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEAUFORT SC |
| Property Address | 628 FLATWATER DR, BLUFFTON, SC 29910-9359 |
| Transaction Type | Mortgage |
| Record Updated | Apr 4, 2023 |
| Name | Verified Name |
|---|---|
| Address | 46 KENWOOD DR, BLUFFTON, SC 29910-4559 |
| Document Number | 0000015234 |
|---|---|
| Date | Mar 11, 2022 |
| Book Page | 4124/1065 |
| Instrument | 2022015234 |
| Name | SOUTH STATE BANK NA |
|---|---|
| Type | Bank |
| Address | CHARLESTON, SC 29406 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3% |
| Type Change Date | Apr 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 9% |
| Index | 1-Year CMT |
| Max Rate | 9% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | BEAUFORT SC |
| Recording Date | Jun 28, 2019 |
| Property Address | 628 FLATWATER DR, BLUFFTON, SC 29910-9359 |
| Document Number | 0000034305 |
| Book / Page | 003772 / 001195 |
| Instrument Date | Jun 27, 2019 |
| Instrument | 34305 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $802.90 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 15722 NORTHSTONE DR HUNTERSVILLE NC 280785761, HUNTERSVILLE, NC 28078-5761 |
| Document Number | 34357 |
|---|---|
| Date | Jun 28, 2019 |
| Book Page | 003772/001475 |
| Instrument | 34357 |
| Name | SOUTH ST BK |
|---|---|
| Type | Bank |
| Address | NORTH CHARLESTON, SC 29406 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 27, 2034 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.37% |
Source: Beaufort County assessment roll, as of September 13, 2025
| Type | Name |
|---|---|
| State | South Carolina |
| County | Beaufort County |
| Municipality | Bluffton Town |
| Unified School District | Beaufort County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,433.00 (-0.07%) | $45,090 (-) | |
| 2024 | $7,438.00 (+73.18%) | $45,090 (+201.2%) | $1,227,800 (-) Land $350,000 Building $877,800 |
| 2023 | $4,295.00 (+9.71%) | $14,970 (+14.98%) | $1,227,800 (+465.81%) Land $350,000 Building $877,800 |
| 2022 | $3,915.00 | $13,020 | $217,000 Land $217,000 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.7% of South Carolina |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 127 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
| Sparklight DSL | 30 / 5 |
| AT&T Fixed Wireless | 25 / 3 |
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