82 White Oaks Cir, Bluffton, SC 29910 Property Records

Beaufort County property record for 82 White Oaks Cir, Bluffton, SC 29910

Property Summary

Property Type	Single Family Home
Details	3 bd · 2,912 sqft · built 2001
Owner	Individual Name on Record
Last Sale	$610,000 (Jul 2021)
Tax Bill	$2,998 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R60003100A03970000`

Property Details

APN / Parcel Number

Primary APN	`R60003100A03970000`
Alternative APN	`03676837`

Interior

Bedrooms	3 Beds
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,912 sqft Living Area
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Garage Type	Attached
Garage Area	696 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Deck Area	249 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	03676837
Old Parcel Number	R60003100A03970000
Street Address	82 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 863 BLK K ROSEHILL PLANT. PB 35 P 266
Legal Subdivision	ROSEHILL GOLF SIDE
Legal Block	K
Legal Lot Number	863
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	82 WHITE OAKS CIR, BLUFFTON, SC 29910-5715
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2021	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Nov 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA
Apr 19, 2017	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2021 · Amount on Record
Deed Sale	Jul 16, 2021 · Amount on Record
Prior Sale	Oct 14, 2011
Deed Document Number	2021051603
Deed Book / Page	4038 / 872
Record Updated	Jun 8, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEAUFORT SC
Recording Date	Jul 16, 2021
Property Address	82 WHITE OAKS CIR, BLUFFTON, SC 29910-5715
Document Number	0000051603
Book / Page	4038 / 872
Map Reference	MB 35 PG 266
Instrument Date	Jun 29, 2021
Instrument	2021051603
Transaction Type	Transfer
Record Updated	Apr 4, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,586.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	82 WHITEOAKS CIR, BLUFFTON, SC 29910-5715

Mortgage

Document Number	0000051604
Date	Jul 16, 2021
Instrument	2021051604

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

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

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEAUFORT SC
Property Address	82 WHITE OAKS CIR, BLUFFTON, SC 29910-5715
Document Number	0000065942
Instrument Date	Nov 26, 2019
Transaction Type	Mortgage
Record Updated	Jan 13, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	82 WHITEOAKS CIR BLUFFTON SC 299105715, BLUFFTON, SC 29910-5715

Mortgage

Document Number	0000065942
Date	Dec 9, 2019
Book Page	003818/000255
Instrument	65942

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 8, 2049

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEAUFORT SC
Property Address	82 WHITE OAKS CIR, BLUFFTON, SC 29910-5715
Document Number	0000020735
Instrument Date	Apr 19, 2017
Transaction Type	Mortgage
Record Updated	Aug 18, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	82 WHITEOAKS CIR BLUFFTON SC 299105715, BLUFFTON, SC 29910-5715

Mortgage

Document Number	0000020735
Date	Apr 25, 2017
Book Page	003569/001374
Instrument	20735

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 24, 2047

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	$2,998.00 (-0.1%)	$25,820 (-0.02%)
2024	$3,001.00 (-68.53%)	$25,824 (-) Land $5,880 Building $19,944	$645,600 (-) Land $147,000 Building $498,600
2023	$9,537.00 (+1.58%)	$25,824 (+5.84%) Land $5,880 Building $19,944	$645,600 (+5.84%) Land $147,000 Building $498,600
2022	$9,389.00	$24,400 Land $2,680 Building $21,720	$610,000 Land $67,000 Building $543,000

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.

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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