Beaufort County property record for 82 Cutter Cir, Bluffton, SC 29909
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 2,481 sqft · built 2006 |
| Lot Size | 0.45 acres (19,602 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $770,000 (Nov 2025) |
| Tax Bill | $4,700 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage Nov 2025 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 10116404 |
| Primary APN | 10116404 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 1 Bed |
|---|---|
| Total Rooms | 1 Room |
| Stories | 1 Story |
| Building Area | 2,481 sqft Living Area |
| Year Built | Built 2006 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 19,602 sqft (0.45 acres) |
| Garage Type | Attached |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 10116404 |
|---|---|
| Old Parcel Number | R603 013 000 0140 0000 |
| Street Address | 82 CUTTER CIR |
| City | BLUFFTON |
| State | SC |
| Zip | 29909-4310 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 4116 |
| Legal Description | LOT 130 RIVERBEND S/D BLK 103D PB80 PG112 PB87 PG56 PB104 P91 |
| Legal Subdivision | RIVERBEND BY SUNCITY |
| Legal Block | 103D |
| Legal Lot Number | 130 |
| Jurisdiction | BEAUFORT SC |
| Township / Civil Division | BLUFFTON |
| Census Block Group | 1 |
| Census Block | 1114 |
| Census Tract | 2202 |
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 | 82 CUTTER CIR, BLUFFTON, SC 29909-4310 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCING CORP |
| Nov 7, 2025 | Warranty Deed, Transfer · Conventional Mortgage TOWER FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 7, 2025 · Amount on Record |
| Deed Sale | Nov 7, 2025 · Amount on Record |
| Prior Sale | Nov 24, 2003 · Amount on Record |
| Deed Document Number | 2025050477 |
| Deed Book / Page | 4481 / 1625 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEAUFORT SC |
| Property Address | 82 CUTTER CIR, BLUFFTON, SC 29909-4310 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000051849 |
|---|---|
| Date | Jul 19, 2021 |
| Book Page | 4038/2292 |
| Instrument | 2021051849 |
| Name | AMERICAN FINANCING CORP |
|---|---|
| Type | Lending Institution |
| Address | AURORA, CO 80014 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Aug 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BEAUFORT SC |
| Recording Date | Nov 7, 2025 |
| Property Address | 82 CUTTER CIR, BLUFFTON, SC 29909-4310 |
| Document Number | 0000050477 |
| Book / Page | 4481 / 1625 |
| Map Reference | MB 87 PG 56 |
| Instrument Date | Sep 9, 2025 |
| Instrument | 2025050477 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,002.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 82 CUTTER CIR, BLUFFTON, SC 29909-4310 |
| Document Number | 0000050478 |
|---|---|
| Date | Nov 7, 2025 |
| Instrument | 2025050478 |
| Name | TOWER FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Oct 1, 2055 |
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 | $4,700.00 (-22.63%) | $18,970 (-23.94%) | |
| 2024 | $6,075.00 (+5,975%) | $24,940 (-) Land $4,240 Building $20,700 | $623,500 (-) Land $106,000 Building $517,500 |
| 2023 | $100.00 | $24,940 (+49.66%) Land $4,240 Building $20,700 | $623,500 (+49.66%) Land $106,000 Building $517,500 |
| 2022 | $100.00 | $16,664 Land $3,760 Building $12,904 | $416,600 Land $94,000 Building $322,600 |
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.
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 |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 |
|
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 | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
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 99 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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