Beaufort County property record for 78 White Oaks Cir, Bluffton, SC 29910
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2,478 sqft · built 1997 |
| Owner | Individual Name on Record |
| Last Sale | $400,000 (May 2007) |
| Tax Bill | $1,981 (2025) |
| Deeds & Mortgages | Sep 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | R60003100A03990000 |
| Primary APN | R60003100A03990000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 2,478 sqft Living Area |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Garage Type | Attached |
| Garage Area | 728 sqft |
| Parking Spaces | 3 Parking Spaces |
| Deck Area | 307 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 03676819 |
|---|---|
| Old Parcel Number | R60003100A03990000 |
| Street Address | 78 WHITE OAKS CIR |
| City | BLUFFTON |
| State | SC |
| Zip | 29910-5715 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 4116 |
| Legal Description | LOT 861 BLK K ROSEHILL PLANT. PB 35 P 266 |
| Legal Subdivision | ROSEHILL GOLF SIDE |
| Legal Block | K |
| Legal Lot Number | 861 |
| Jurisdiction | BEAUFORT SC |
| Township / Civil Division | BLUFFTON |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 2106 |
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 78 WHITE OAKS CIR, BLUFFTON, SC 29910-5715 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 3, 2007 · Amount on Record |
| Deed Sale | May 3, 2007 · Amount on Record |
| Deed Document Number | 2007034232 |
| Deed Book / Page | 2563 / 1053 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEAUFORT SC |
| Property Address | 78 WHITE OAKS CIR, BLUFFTON, SC 29910-5715 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000049591 |
|---|---|
| Date | Sep 17, 2018 |
| Book Page | 3699/1020 |
| Instrument | 2018049591 |
| Name | SUNTRUST BANK |
|---|---|
| Type | Bank |
| Address | GREENVILLE, SC 29601 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 31, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Beaufort County assessment roll, as of September 13, 2025
| Type | Name |
|---|---|
| State | South Carolina |
| County | Beaufort County |
| Unified School District | Beaufort County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,981.00 (-0.1%) | $15,460 (-33.07%) | |
| 2024 | $1,983.00 | $23,100 (-) Land $5,880 Building $17,220 | $577,500 (-) Land $147,000 Building $430,500 |
| 2023 | $1,983.00 (+8.78%) | $23,100 (+71.88%) Land $5,880 Building $17,220 | $577,500 (+71.88%) Land $147,000 Building $430,500 |
| 2022 | $1,823.00 | $13,440 Land $2,680 Building $10,760 | $336,000 Land $67,000 Building $269,000 |
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 166 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 166 in force |
| Nearby Flood Claims | 7 (1999–2016) |
| Claims Outside the SFHA | 7 of 7 |
| Most Recent Claim | Oct 2016 · Hurricane Matthew |
| Claims by Event |
|
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 63% of the US · lower than 89% 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.
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 115 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Sparklight Fiber · Cable | 1,000 / 1,000 |
May also be available: Spectrum.
5G (outdoors only) and 4G LTE
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