$397,000
$243/sq ft90 Heartstone Circle · Bluffton, SC 29910
4
Beds
2
Baths
1,636
Sq Ft
2006
Built
What stands out
- Pond views
- Garage parking
- Fireplace
- Private pool
- Outdoor living: Patio
Highlights are generated from the property's MLS facts. See the full listing description and details below.
FEMA Zone X — minimal flood hazard. Flood insurance is not federally required (lenders may still recommend a low-cost preferred policy).
Source: FEMA National Flood Hazard Layer.
Listing description
Located in the heart of Bluffton, this beautifully maintained home offers the perfect combination of comfort, convenience, and lifestyle. Just minutes from shopping, dining, schools, parks, medical offices, Old Town Bluffton, and Hilton Head Island, the location makes everyday living effortless. Recent major improvements include a newer roof and newer air conditioning system, giving buyers added peace of mind from day one. Inside, the home features a comfortable and functional layout with inviting living spaces, we…
Your all-in monthly cost (est.)
Adjust the numbers to fit your situation
SC taxes a primary residence at a 4% ratio with a school-tax exemption — far lower than the 6% investor rate.
Freddie Mac 30-yr avg (FRED), as of 2026-07-09 — a benchmark, not your rate.
Estimated all-in monthly
$2,287/mo
This is an estimate for planning only — not a loan quote or commitment to lend. Assumes a $397,000 price, 20% down, 6.49% rate over 30 years, and SC owner-occupied 4% + school exemption property tax. It excludes PMI/MIP, the VA funding fee, and closing costs. For reference, the current tax on record (MLS) is about $3,651/yr — that reflects the present owner's assessment, which may differ from yours. Confirm every figure with a licensed lender.
Facts & features
Interior
- Bedrooms
- 4
- Full Baths
- 2
- Living Area
- 1,636 sq ft
- Levels
- Two
- Flooring
- Carpet, Tile, Luxury Vinyl
- Appliances
- Dishwasher, Refrigerator, Dryer, Washer
- Heating
- Electric, Heat Pump
- Cooling
- Central Air
- Fireplace
- 1
- Water Heater
- Electric
Exterior & Lot
- Lot Size
- 0.13 acres
- Construction
- Frame, Vinyl Siding
- Foundation
- Slab
- Roof
- Composition
- Parking
- Garage
- Porch / Patio
- Patio
- Pool
- Community
- View
- Pond
Utilities
- Water
- Public
- Sewer
- Public Sewer
- Utilities
- Sewer Available, Water Available
Community & HOA
- HOA
- Yes (fee not listed)
Financial & Terms
- List Price
- $397,000
- Price / Sq Ft
- $243
- Annual Taxes
- $3,651
- Financing Accepted
- Conventional, Cash
- Zoning
- Residential
Listing activity
On the market for 10 days.
Status: Active
Jul 9, 2026
New Listing
Jul 9, 2026
Came on market
Jul 9, 2026
Listed for sale
Jul 1, 2026
Source: Lowcountry Regional MLS. Price-change dates are shown without prior amounts; contact us for the complete history.
How the price compares
Recent nearby sales of similar homes
| Sold home | Sold price | $/sqft | Closed |
|---|---|---|---|
| 30 Beaumont Court, Bluffton, SC 299104 bd · 1,586 sqft | $411,000 | $259 | Jul 2026 |
| 11 Hager Road, Bluffton, SC 299103 bd · 1,659 sqft | $359,000 | $216 | Jun 2026 |
| 6 Ironwood Circle, Bluffton, SC 299103 bd · 1,592 sqft | $318,000 | $200 | Jun 2026 |
| 45 Augustine Road, Bluffton, SC 299104 bd · 1,928 sqft | $489,000 | $254 | Jun 2026 |
| 7 Lakeside Drive, Bluffton, SC 299104 bd · 1,938 sqft | $540,000 | $279 | Jun 2026 |
Recent closed sales of similar homes nearby (this list price is $397,000). Selected by size, beds, and recency from the MLS — a quick read, not a formal appraisal or CMA.
Get a full comparative market analysisAsk anything about this home
Honest answers from this listing's data
I answer only from this home's real data — price, flood zone, taxes, history. If I don't know something, I'll say so and connect you with an agent. (AI assistant, not a licensed agent.)
Location
90 Heartstone Circle, Bluffton, SC 29910
Near military installations
Distances are approximate straight-line estimates from the property's coordinates, not drive times. Ask us about real commutes and PCS timing.
Getting around
Downtown Beaufort
~19 mi
Bluffton
~4.2 mi
Hilton Head Island
~10.6 mi
Approximate straight-line distances, not drive times — ask us about real commutes and PCS timing.
Schools
School assignments and attendance boundaries should be verified with the local district — they can change and aren't guaranteed by this listing.
This area is generally served by the Beaufort County School District. We're happy to confirm the exact assigned schools for this address — just ask.
Explore the area
Thinking about this home?
Before you schedule a showing, it helps to know what to look for. As your buyer's agent, we'll help you evaluate:
- Whether the price holds up against recent comparable sales
- Condition, age of major systems, and likely inspection issues
- Flood zone, insurance cost, and wind/hazard exposure
- Resale outlook and how the home compares in its market
- Offer strategy, contingencies, and a realistic closing timeline
Presented by
The Faris Group
eXp Realty
Local Beaufort Lowcountry agents. We represent buyers across Beaufort, Lady's Island, Port Royal, Bluffton, and the surrounding military communities — and we'll tell you straight whether a home is right for you.
Listing courtesy of Christopher Bowes, Serhant.
Listing data last updated July 9, 2026.
Listing data provided by the Lowcountry Regional MLS. Information is deemed reliable but not guaranteed. All measurements are approximate.
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Listing data provided by the Lowcountry Regional MLS. Information is deemed reliable but not guaranteed. All measurements are approximate.