634 Bluff Pointe, Columbia, SC 29212 Property Records

Richland County property record for 634 Bluff Pointe, Columbia, SC 29212

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,283 sqft · built 2015
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on File
Last Sale	$400,000 (Mar 2026)
Tax Bill	$10,440 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Feb 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`05211-03-50`

Property Details

APN / Parcel Number

Primary APN	`05211-03-50`
Alternative APNs	`R05211-03-50` `01954683`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,283 sqft Heated Area
Gross Area	3,130 sqft
1st Floor Area	1,329 sqft
Attic	Attic
Attic Area	111 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,326 sqft (0.26 acres)
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	132 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	01954683
Street Address	634 BLUFF POINTE
City	COLUMBIA
State	SC
Zip	29212-2832
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-2
Legal Description	LOT 801 81.3X168.1X58.5X155.9 #SU THE BLUFF AT CHESTNUT HILL PLANTATION PHASE 2
Legal Subdivision	THE BLUFF CHESTNUT HILL PLANTATION
Legal Phase	2
Legal Lot Number	81,801
Jurisdiction	RICHLAND SC
Township / Civil Division	DUTCH FORK
Census Block Group	2
Census Block	2001
Census Tract	10314

Owner

634 Bluff Pointe is owned and occupied by two individuals who bought it in March 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	634 BLUFF POINTE, COLUMBIA, SC 29212-2832
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST PALMETTO BANK
Feb 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage HERITAGE HOME MORTGAGE LLC
Jul 10, 2024	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Mar 30, 2026	Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2026 · Amount on File
Deed Sale	Mar 30, 2026 · Amount on File
Prior Sale	Aug 22, 2024 · Amount on File
Deed Document Number	202614813
Deed Book / Page	3112 / 2603
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	634 BLUFF POINTE, COLUMBIA, SC 29212-2832
Transaction Type	Mortgage
Record Updated	Apr 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0025921809
Date	Mar 4, 2021
Book Page	2592/1809
Instrument	2021013405

Lender

Name	FIRST PALMETTO BANK
Type	Bank
Address	CAMDEN, SC 29020

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	634 BLUFF POINTE, COLUMBIA, SC 29212-2832
Transaction Type	Mortgage
Record Updated	Apr 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	634 BLUFF POINTE, COLUMBIA, SC 29212-2832

Mortgage

Document Number	0030971279
Date	Feb 5, 2026
Book Page	3097/1279
Instrument	2026005708

Lender

Name	HERITAGE HOME MORTGAGE LLC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85257

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	634 BLUFF POINTE, COLUMBIA, SC 29212-2832
Transaction Type	Mortgage
Record Updated	Apr 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029381710
Date	Jul 10, 2024
Book Page	2938/1710
Instrument	2024030351

Lender

Name	TRUIST BANK
Type	Bank
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 3, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	RICHLAND SC
Recording Date	Mar 30, 2026
Property Address	634 BLUFF POINTE, COLUMBIA, SC 29212-2832
Document Number	0031122603
Book / Page	3112 / 2603
Map Reference	MB 1626 PG 2018
Instrument Date	Mar 27, 2026
Instrument	2026014813
Transaction Type	Transfer
Record Updated	Apr 8, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,040.00
Amount Accuracy	Verified / From Affidavit
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	634 BLUFF POINTE, COLUMBIA, SC 29212-2832

Mortgage

Document Number	2026014814
Date	Mar 30, 2026
Instrument	2026014814

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

Tax Assessment & Valuation

The 2025 property tax bill for 634 Bluff Pointe was $10,440.

Source: Richland County assessment roll, as of July 14, 2026

Property Jurisdictions

Type	Name
State	South Carolina
County	Richland County
Municipality	Columbia City
Unified School District	Lexington School District 5 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,440.00	$8,920 (-96.52%)	$357,500 (+5.8%) Land $45,000 Building $312,500
2024		$256,500 (+2,775.56%)	$337,900 (+51.52%) Land $45,000 Building $292,900
2023	$1,612.00	$8,920	$223,000
2021	$1,719.00	$8,920	$223,000 Land $35,200 Building $187,800

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

FEMA maps place 634 Bluff Pointe in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 13, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 10 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	10 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

Wildfire risk around 634 Bluff Pointe is low, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 63% of the US · lower than 89% of South Carolina
Wildfire Likelihood	0.06% 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	CITY OF COLUMBIA serves 354,068 people · EPA ID SC4010001
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	5 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Chlorite resolved · Dec 2024 E. coli resolved · Apr 2021
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 229 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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