638 Bluff Pointe, Columbia, SC 29212 Property Records

Richland County property record for 638 Bluff Pointe, Columbia, SC 29212

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,128 sqft · built 2016
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Last Sale	$327,000 (Dec 2022)
Tax Bill	$2,534 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05211-03-51`

Property Details

APN / Parcel Number

Primary APN	`05211-03-51`
Alternative APNs	`R05211-03-51` `01954692`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,128 sqft Heated Area
Gross Area	2,823 sqft
1st Floor Area	1,752 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,197 sqft (0.28 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	301 sqft
Patio Area	105 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	01954692
Street Address	638 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 802 81X179.7X15.9X46.1X168.1 #SU THE BLUFF AT CHESTNUT HILL PLANTATION PHASE 2 #PR RB1254-2928; RB2163-3636
Legal Subdivision	THE BLUFF CHESTNUT HILL PLANTATION
Legal Phase	2
Legal Lot Number	81,802
Jurisdiction	RICHLAND SC
Township / Civil Division	DUTCH FORK
Census Block Group	2
Census Block	2001
Census Tract	10314

Owner

638 Bluff Pointe is owned and occupied by two individuals who bought it in December 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	638 BLUFF POINTE, COLUMBIA, SC 29212-2832
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 2, 2022 · Amount on File
Deed Sale	Dec 2, 2022 · Amount on File
Prior Sale	Nov 10, 2016 · Amount on File
Deed Document Number	202265949
Deed Book / Page	2799 / 3563
Record Updated	Sep 20, 2026

December 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	RICHLAND SC
Recording Date	Dec 2, 2022
Property Address	638 BLUFF POINTE, COLUMBIA, SC 29212-2832
Document Number	0027993564
Book / Page	2799 / 3564
Map Reference	MB 1626 PG 2018
Instrument Date	Nov 30, 2022
Instrument	2022065949
Transaction Type	Transfer
Record Updated	Apr 11, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$850.20
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	638 BLUFF POINTE, COLUMBIA, SC 29212-2832

Mortgage

Document Number	2022065950
Date	Dec 2, 2022
Instrument	2022065950

Lender

Name	FIRST PALMETTO BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Type Change Date	Dec 1, 2029
Change Frequency	Quarterly
Min Rate At Change	3.5%
Max Rate At Change	10.1%
Index	Other
Max Rate	10.1%

Tax Assessment & Valuation

The 2025 property tax bill for 638 Bluff Pointe was $2,534.

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	$2,534.00	$8,620	$327,700 Land $45,000 Building $282,700
2023	$9,482.00	$8,620	$215,500
2021	$1,661.00	$8,620	$215,500 Land $35,200 Building $180,300

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

FEMA maps place 638 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 638 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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