7 Cutter Cir, Bluffton (Okatie), SC 29909 Property Records

Beaufort County property record for 7 Cutter Cir, Bluffton, SC 29909

Property Summary

Property Type	Single Family Home
Details	2 bd · 2,381 sqft · built 1999
Lot Size	0.289 acres (12,632 sqft)
Owner	Trust Name on Record
Last Sale	$325,000 (Jun 2013)
Tax Bill	$1,948 (2025)
Deeds & Mortgages	Mar 2019 Line of Credit
Flood Zone	Zone X (moderate risk)
APN	`08295169`

Property Details

APN / Parcel Number

Primary APN	`08295169`
Alternative APNs	`R600 013 000 0079 0000` `R603 013 000 0079 0000`

Interior

Bedrooms	2 Beds
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,381 sqft Living Area

Exterior

Year Built	Built 1999
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Asphalt
Lot Area	12,632 sqft (0.289 acres)
Garage Type	Attached
Garage Area	570 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	08295169
Old Parcel Number	R603 013 000 0079 0000
Street Address	7 CUTTER CIR
City	BLUFFTON
State	SC
Zip	29909-4311
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	4116
Legal Description	LOT 20 RIVERBEND S/D BLK 100 A PB65 P141 PB74 P174 PB77 P68 PB91 P21-26 PB101 P7
Legal Subdivision	RIVERBEND BY SUNCITY
Legal Block	100
Legal Lot Number	20
Jurisdiction	BEAUFORT SC
Township / Civil Division	BLUFFTON
Census Block Group	1
Census Block	1115
Census Tract	2202

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	Trust Name on Record
Mailing Address	7 CUTTER CIR, BLUFFTON, SC 29909-4311
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 18, 2013 · Amount on Record
Deed Sale	Jun 18, 2013 · Amount on Record
Prior Sale	Jun 18, 2013 · Amount on Record
Deed Document Number	0000034821
Deed Book / Page	003248 / 003285
Last Transfer Date	Feb 11, 2014
Transfer Doc	0000006451
Record Updated	Jun 8, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEAUFORT SC
Property Address	7 CUTTER CIR, BLUFFTON, SC 29909-4311
Document Number	0000015144
Instrument Date	Mar 22, 2019
Transaction Type	Mortgage
Record Updated	Apr 8, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	7 CUTTER CIR BLUFFTON SC 299094311, BLUFFTON, SC 29909-4311

Mortgage

Document Number	0000015144
Date	Mar 27, 2019
Book Page	003747/000482
Instrument	15144

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 26, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Beaufort County assessment roll, as of September 13, 2025

Property Jurisdictions

Type	Name
State	South Carolina
County	Beaufort County
Unified School District	Beaufort County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,948.00 (-0.1%)	$17,190 (-26.13%)
2024	$1,950.00	$23,272 (-) Land $4,240 Building $19,032	$581,800 (-) Land $106,000 Building $475,800
2023	$1,950.00 (+10.8%)	$23,272 (+51.63%) Land $4,240 Building $19,032	$581,800 (+51.63%) Land $106,000 Building $475,800
2022	$1,760.00	$15,348 Land $3,760 Building $11,588	$383,700 Land $94,000 Building $289,700

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 985 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	985 in force
Nearby Flood Claims	23 (2009–2022)
Claims Outside the SFHA	3 of 23
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 6 claims Hurricane Matthew, Oct 2016 · 13 claims

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 62% of the US · lower than 87% of South Carolina
Wildfire Likelihood	0.05% 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	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 115 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Sparklight Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20