Beaufort County property record for 644 Flatwater Dr, Bluffton, SC 29910
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 6 ba · 4,228 sqft · built 2021 |
| Lot Size | 0.372 acres (16,204 sqft) |
| Owner | Company Name on Record |
| Last Sale | $4,054 (Nov 2022) |
| Tax Bill | $6,557 (2025) |
| Deeds & Mortgages | Oct 2022 Transfer Nov 2022 Re-recorded Document + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 242005609 |
| Primary APN | 242005609 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 6 Baths |
| Half Baths | 4 Half Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 4,228 sqft Living Area |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 16,204 sqft (0.372 acres) |
| Garage Type | Attached |
| Garage Area | 1,038 sqft |
| Porch | Open Porch |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 644 FLATWATER DR |
|---|---|
| City | BLUFFTON |
| State | SC |
| Zip | 29910-9359 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 4801 PB150 PG196 HAMPTON LAKE PH 4 PB145 PG95-98 PB146 PG144-147~02/19 AC CH |
| Legal Subdivision | HAMPTON LAKE |
| Legal Phase | 4 |
| Legal Lot Number | 4801 |
| Jurisdiction | BEAUFORT SC |
| Township / Civil Division | BLUFFTON |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 2103 |
Source: Beaufort County records, as of March 12, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 644 FLATWATER DR, BLUFFTON, SC 29910-9359 |
| Owner Type | Company |
| Vesting | Trust, Revocable Living Trust |
| Date | Document |
|---|---|
| Oct 31, 2022 | Intrafamily Transfer, Transfer |
| Nov 23, 2022 | Re-recorded Document |
| Apr 21, 2020 | Deed of Trust, Construction Loan · Construction Mortgage TD BK NA |
| Mar 5, 2019 | Limited Warranty Deed, Transfer · Line of Credit HERITAGE TRUST FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 23, 2022 · Amount on Record |
| Deed Sale | Nov 23, 2022 · Amount on Record |
| Prior Sale | Mar 5, 2019 · Amount on Record |
| Deed Document Number | 202263831 |
| Deed Book / Page | 4200 / 1608 |
| Prior Transfer Date | Oct 24, 2022 |
| Prior Transfer Doc | 0000059858 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BEAUFORT SC |
| Recording Date | Oct 31, 2022 |
| Property Address | 644 FLATWATER DR, BLUFFTON, SC 29910-9359 |
| Document Number | 0000059858 |
| Book / Page | 4194 / 1098 |
| Map Reference | MB 150 PG 196 |
| Instrument Date | Oct 24, 2022 |
| Instrument | 2022059858 |
| Transaction Type | Transfer |
| Record Updated | Apr 4, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 644 FLATWATER DR, BLUFFTON, SC 29910-9359 |
| Document Type | Re-recorded Document |
|---|---|
| Jurisdiction | BEAUFORT SC |
| Recording Date | Nov 23, 2022 |
| Property Address | 644 FLATWATER DR, BLUFFTON, SC 29910-9359 |
| Document Number | 0000063831 |
| Book / Page | 4200 / 1608 |
| Map Reference | MB 150 PG 196 |
| Instrument Date | Oct 24, 2022 |
| Instrument | 2022063831 |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 644 FLATWATER DR, BLUFFTON, SC 29910-9359 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEAUFORT SC |
| Recording Date | Apr 21, 2020 |
| Property Address | 644 FLATWATER DR, BLUFFTON, SC 29910-9359 |
| Document Number | 0000020564 |
| Book / Page | 003856 / 002576 |
| Instrument Date | Apr 20, 2020 |
| Instrument | 20564 |
| Transaction Type | Construction Loan |
| Record Updated | Jun 16, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 170 NORMANDY RD MOORESVILLE NC 281178430, MOORESVILLE, NC 28117-8430 |
| Document Number | 0000020564 |
|---|---|
| Date | Apr 21, 2020 |
| Book Page | 003856/002576 |
| Instrument | 20564 |
| Name | TD BK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19808 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 20, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.75% |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | BEAUFORT SC |
| Recording Date | Mar 5, 2019 |
| Property Address | 644 FLATWATER DR, BLUFFTON, SC 29910-9359 |
| Document Number | 0000011007 |
| Book / Page | 3741 / 3217 |
| Map Reference | MB 150 PG 196 |
| Instrument Date | Mar 1, 2019 |
| Instrument | 2019011007 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $888.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 170 NORMANDY RD, MOORESVILLE, NC 28117-8430 |
| Document Number | 0000011009 |
|---|---|
| Date | Mar 5, 2019 |
| Instrument | 2019011009 |
| Name | HERITAGE TRUST FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 36 Months |
| Due | Mar 15, 2022 |
Source: Beaufort County assessment roll, as of March 12, 2026
| 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 | $6,557.00 (-0.06%) | $41,870 (-24.26%) | |
| 2024 | $6,561.00 | $55,284 (-) Land $14,000 Building $41,284 | $1,382,100 (-) Land $350,000 Building $1,032,100 |
| 2023 | $6,561.00 (+3.5%) | $55,284 (+51.85%) Land $14,000 Building $41,284 | $1,382,100 (+51.85%) Land $350,000 Building $1,032,100 |
| 2022 | $6,339.00 Homeowner's exemption | $36,408 Land $9,596 Building $26,812 | $910,200 Land $239,900 Building $670,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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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