80 White Oaks Cir, Bluffton, SC 29910 Property Records

Beaufort County property record for 80 White Oaks Cir, Bluffton, SC 29910

Property Summary

Property Type	Single Family Home
Details	1 bd · 2,341 sqft · built 1994
Owner	2 Individual Names on Record
Last Sale	$325,000 (Mar 2008)
Tax Bill	$2,081 (2025)
Deeds & Mortgages	Dec 2025 Second Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R60003100A03980000`

Property Details

APN / Parcel Number

Primary APN	`R60003100A03980000`
Alternative APN	`03676828`

Interior

Bedrooms	1 Bed
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,341 sqft Living Area
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asphalt
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Deck Area	242 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	03676828
Old Parcel Number	R60003100A03980000
Street Address	80 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 862 BLK K ROSEHILL PLANT. PB 35 P 266
Legal Subdivision	ROSEHILL GOLF SIDE
Legal Block	K
Legal Lot Number	862
Jurisdiction	BEAUFORT SC
Township / Civil Division	BLUFFTON
Census Block Group	3
Census Block	3010
Census Tract	2106

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	2 Individual Names on Record
Mailing Address	80 WHITE OAKS CIR, BLUFFTON, SC 29910-5715
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 4, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Dec 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Mar 2, 2017	Grant Deed, Transfer WILLIAM O JR & JENNIFER E KELLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 19, 2008 · Amount on Record
Deed Sale	Mar 19, 2008 · Amount on Record
Prior Sale	Mar 19, 2008 · Amount on Record
Deed Document Number	0000016653
Last Transfer Date	Mar 2, 2017
Transfer Doc	0000010685
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEAUFORT SC
Property Address	80 WHITE OAKS CIR, BLUFFTON, SC 29910-5715
Transaction Type	Mortgage
Record Updated	Dec 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000054306
Date	Dec 4, 2025
Book Page	4488/2425
Instrument	2025054306

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	1050 WOODWARD AVE, DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2055

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEAUFORT SC
Property Address	80 WHITE OAKS CIR, BLUFFTON, SC 29910-5715
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000078110
Date	Dec 30, 2020
Book Page	3953/1660
Instrument	2020078110

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BEAUFORT SC
Recording Date	Mar 2, 2017
Property Address	80 WHITE OAKS CIR, BLUFFTON, SC 29910-5715
Document Number	0000010685
Book / Page	003556 / 000719
Instrument Date	Mar 1, 2017
Instrument	10685
Transaction Type	Transfer
Record Updated	Mar 15, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,028.60
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	80 WHITEOAKS CIR BLUFFTON SC 299105715, BLUFFTON, SC 29910-5715

Mortgage

Document Number	10686
Date	Mar 2, 2017
Book Page	003556/000722
Instrument	10686

Lender

Name	WILLIAM O JR & JENNIFER E KELLY
Address	205 PINE GROVE DR, SAVANNAH, GA 31419-9417
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2047

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	$2,081.00 (-0.1%)	$15,990 (-33.35%)
2024	$2,083.00 (+1.76%)	$23,992 (-) Land $5,880 Building $18,112	$599,800 (-) Land $147,000 Building $452,800
2023	$2,047.00 (+8.83%)	$23,992 (+72.55%) Land $5,880 Building $18,112	$599,800 (+72.55%) Land $147,000 Building $452,800
2022	$1,881.00	$13,904 Land $2,680 Building $11,224	$347,600 Land $67,000 Building $280,600

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 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	Hurricane Matthew, Oct 2016 · 2 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 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.

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)
Sparklight Fiber · Cable	1,000 / 1,000

May also be available: Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

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