98 Flatwater Dr, Bluffton, SC 29910 Property Records

Beaufort County property record for 98 Flatwater Dr, Bluffton, SC 29910

Property Summary

Property Type	Single Family Home
Details	3 bd · 6 ba · 2,861 sqft · built 2018
Lot Size	0.36 acres (15,682 sqft)
Owner	Individual Name on Record
Last Sale	$662,000 (Jun 2018)
Tax Bill	$4,702 (2025)
Deeds & Mortgages	Jun 2018 Sale & Mortgage Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`242003876`

Property Details

APN / Parcel Number

Primary APN	`242003876`
Alternative APN	`R614 029 000 1781 0000`

Interior

Bedrooms	3 Beds
Full Baths	6 Baths
Half Baths	3 Half Baths
Total Rooms	13 Rooms
Stories	2 Stories
Building Area	2,861 sqft Living Area
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,682 sqft (0.36 acres)

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	242003876
Street Address	98 FLATWATER DR
City	BLUFFTON
State	SC
Zip	29910-9369
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3000 HAMPTON LAKE PH 3 PB141 PG64-68
Legal Subdivision	HAMPTON LAKE
Legal Phase	3
Legal Lot Number	3000
Jurisdiction	BEAUFORT SC
Township / Civil Division	BLUFFTON
Census Block Group	2
Census Block	2003
Census Tract	2103

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	98 FLATWATER DR, BLUFFTON, SC 29910-9369
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2018	Warranty Deed, Subdivision Related Transfer · ARM WELLS FARGO BANK NA
Sep 29, 2017	Limited Warranty Deed, Transfer · Conventional Mortgage AMERIS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2018 · Amount on Record
Deed Sale	Jun 26, 2018 · Amount on Record
Prior Sale	Sep 29, 2017 · Amount on Record
Deed Document Number	2018034275
Deed Book / Page	3678 / 3163
Record Updated	Jun 8, 2026

June 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BEAUFORT SC
Recording Date	Jun 26, 2018
Property Address	98 FLATWATER DR, BLUFFTON, SC 29910-9369
Document Number	0000034275
Book / Page	3678 / 3163
Map Reference	MB 141 PG 64
Instrument Date	Jun 8, 2018
Instrument	2018034275
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 30, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,449.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 FLATWATER DRIVE, BLUFFTON, SC 29910-9369

Mortgage

Document Number	0000034276
Date	Jun 26, 2018
Instrument	2018034276

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Jul 1, 2023
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	6.12%
Index	1-Year LIBOR
Max Rate	9.12%

September 2017: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	BEAUFORT SC
Recording Date	Sep 29, 2017
Property Address	98 FLATWATER DR, BLUFFTON, SC 29910-9369
Document Number	0000052931
Book / Page	3610 / 1523
Map Reference	MB 141 PG 64
Instrument Date	Sep 26, 2017
Instrument	2017052931
Transaction Type	Transfer
Record Updated	Aug 30, 2022

Transaction

Amount	Amount Recorded
Tax	$349.65
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	591 BROWNS COVE RD STE G, G, RIDGELAND, SC 29936-7281
Investor	Possibly a Property Investor

Mortgage

Document Number	0000052932
Date	Sep 29, 2017
Instrument	2017052932

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Oct 5, 2018

Tax Assessment & Valuation

Source: Beaufort County assessment roll, as of September 13, 2025

Property Jurisdictions

Type	Name
State	South Carolina
County	Beaufort County
Municipality	Bluffton Town
Unified School District	Beaufort County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,702.00 (-56.54%)	$30,450 (-21.31%)
2024	$10,819.00 (+129.95%)	$38,696 (-) Land $8,600 Building $30,096	$967,400 (-) Land $215,000 Building $752,400
2023	$4,705.00 (+9.49%)	$38,696 (+46.13%) Land $8,600 Building $30,096	$967,400 (+46.13%) Land $215,000 Building $752,400
2022	$4,297.00 Homeowner's exemption	$26,480 Land $4,000 Building $22,480	$662,000 Land $100,000 Building $562,000

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 407 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	407 in force

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 67% of the US · lower than 94% 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.

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 192 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Sparklight DSL	30 / 5

May also be available: AT&T, Hotwire Communications, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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