Beaufort County property record for 8 Wharf St, Bluffton, SC 29910
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 6 ba · 2,301 sqft · built 2019 |
| Lot Size | 0.139 acres (6,098 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,075,000 (Feb 2024) |
| Tax Bill | $6,922 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Mar 2019 Construction Loan + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R61003900A01790000 |
| Primary APN | R61003900A01790000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 6 Baths |
| Half Baths | 3 Half Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,301 sqft Living Area |
| Year Built | Built 2019 |
|---|---|
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,098 sqft (0.139 acres) |
| Total Buildings | 2 Buildings |
| Heating System | Heat Pump |
|---|
| Account Number | 00520476 |
|---|---|
| Old Parcel Number | R61003900A01790000 |
| Street Address | 8 WHARF ST |
| City | BLUFFTON |
| State | SC |
| Zip | 29910-7658 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 6106 |
| Legal Description | LOT D1 PB145 PG40 FKA LOT D PB75 PG18~SPLIT 09/17 0.14 AC 39A/370 |
| Legal Subdivision | BLUFFTON |
| Legal Lot Number | D |
| Jurisdiction | BEAUFORT SC |
| Township / Civil Division | BLUFFTON |
| Census Block Group | 5 |
| Census Block | 5009 |
| Census Tract | 2107 |
8 Wharf St is owned and occupied by two individuals who bought it in February 2024.
Source: Beaufort County records, as of March 11, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 8 WHARF ST, BLUFFTON, SC 29910-7658 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 26, 2022 | Deed of Trust, Mortgage · Conventional Mortgage SOUTHSTATE BANK NA |
| Mar 6, 2019 | Deed of Trust, Mortgage · Construction Mortgage SOUTH STATE BANK |
| Apr 3, 2020 | Deed of Trust, Mortgage SOUTH ST BK |
| Dec 12, 2017 | Warranty Deed, Transfer ATTORNEY ONLY |
| Sep 28, 2017 | Grant Deed ATTORNEY ONLY |
| Feb 15, 2017 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 28, 2024 · Amount on File |
| Deed Sale | Feb 28, 2024 · Amount on File |
| Prior Sale | Feb 15, 2017 · Amount on File |
| Deed Document Number | 0043151205 |
| Deed Book / Page | 3628 / 2410 |
| Prior Transfer Date | Dec 12, 2017 |
| Prior Transfer Doc | 2017067211 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEAUFORT SC |
| Property Address | 8 WHARF ST, BLUFFTON, SC 29910-7658 |
| Transaction Type | Mortgage |
| Record Updated | Feb 4, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000005431 |
|---|---|
| Date | Jan 26, 2022 |
| Book Page | 4109/17 |
| Instrument | 2022005431 |
| Name | SOUTHSTATE BANK NA |
|---|---|
| Type | Non-Lending Institution |
| Address | CHARLESTON, SC 29406 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEAUFORT SC |
| Property Address | 8 WHARF ST, BLUFFTON, SC 29910-7658 |
| Transaction Type | Mortgage |
| Record Updated | Mar 18, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000011271 |
|---|---|
| Date | Mar 6, 2019 |
| Book Page | 3742/0850 |
| Instrument | 2019011271 |
| Name | SOUTH STATE BANK |
|---|---|
| Type | Bank |
| Address | CHARLESTON, SC 29406 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.37% |
| Type Change Date | Apr 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 9.37% |
| Index | 1-Year LIBOR |
| Max Rate | 9.37% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEAUFORT SC |
| Property Address | 8 WHARF ST, BLUFFTON, SC 29910-7658 |
| Document Number | 0000020268 |
| Instrument Date | Apr 3, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 8 WHARF ST BLUFFTON SC 299107658, BLUFFTON, SC 29910-7658 |
| Document Number | 0000020268 |
|---|---|
| Date | Apr 20, 2020 |
| Book Page | 003856/000729 |
| Instrument | 20268 |
| Name | SOUTH ST BK |
|---|---|
| Type | Bank |
| Address | NORTH CHARLESTON, SC 29406 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Apr 19, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BEAUFORT SC |
| Recording Date | Dec 12, 2017 |
| Property Address | 8 WHARF ST, BLUFFTON, SC 29910-7658 |
| Document Number | 0000067211 |
| Book / Page | 003628 / 002410 |
| Instrument Date | Nov 8, 2017 |
| Instrument | 67211 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $277.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 76 PLANTATION HOUSE DR BLUFFTON SC 299104775, BLUFFTON, SC 29910-4775 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | BEAUFORT SC |
| Recording Date | Sep 28, 2017 |
| Property Address | 8 WHARF ST, BLUFFTON, SC 29910-7658 |
| Document Number | 0000052717 |
| Book / Page | 003610 / 000438 |
| Instrument Date | Sep 26, 2017 |
| Instrument | 52717 |
| Record Updated | Oct 9, 2017 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7 GUERRARD AVE BLUFFTON SC 29910, BLUFFTON, SC 29910 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | BEAUFORT SC |
| Recording Date | Feb 15, 2017 |
| Property Address | 8 WHARF ST, BLUFFTON, SC 29910-7658 |
| Document Number | 0000007858 |
| Book / Page | 003552 / 002155 |
| Instrument Date | Feb 14, 2017 |
| Instrument | 7858 |
| Transaction Type | Transfer |
| Record Updated | Feb 24, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $277.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7 GUERRARD AVE BLUFFTON SC 29910, BLUFFTON, SC 29910 |
The 2025 property tax bill for 8 Wharf St was $6,922, up 105.3% from the year before.
Source: Beaufort County assessment roll, as of September 13, 2025
| 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 | $6,922.00 (+105.34%) | $43,000 (-12.32%) | |
| 2024 | $3,371.00 | $49,044 (-) Land $4,244 Building $44,800 | $1,226,100 (+14.06%) Land $106,100 Building $1,120,000 |
| 2023 | $3,371.00 (+8.46%) | $49,044 (+175.47%) Land $4,244 Building $44,800 | $1,075,000 (+141.52%) Land $125,000 Building $950,000 |
| 2022 | $3,108.00 Homeowner's exemption | $17,804 Land $2,496 Building $15,308 | $445,100 Land $62,400 Building $382,700 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 8 Wharf St in Zone X, an area of minimal flood risk, though there have been 13 flood claims nearby since 2016.
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 File median of 87 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 87 in force |
| Nearby Flood Claims | 13 (2016–2024) |
| Claims Outside the SFHA | 2 of 13 |
| Most Recent Claim | Aug 2024 · Tropical Storm Debby |
| 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.
Wildfire risk around 8 Wharf St is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 96% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.02% 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 325 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Sparklight Fiber · Cable | 1,000 / 1,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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