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90 Heartstone Cir, Bluffton, SC, 29910

4beds
2baths
1,636sqft
$397,000
$243price/sqft
$2,550/moest. monthly cost
$102,000/yrincome needed

About This Home

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, well-sized bedrooms, and a warm, livable feel throughout. The property also offers outdoor space ideal for relaxing, entertaining, or enjoying the lagoon view. This community remains one of Bluffton's most convenient communities, offering a neighborhood setting with quick access to everything the area has to offer. With its central location, valuable recent updates, and strong overall appeal, this home is a standout opportunity for buyers looking to be close to it all.

Getting Around

17
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

8/10
River Ridge AcademyGrades PK-81.2 mi
9/10
May River HighGrades 9-124.0 mi

Construction

Condition

  • Year built: 2006

Materials

  • Roof: Asphalt
  • Construction materials: Vinyl Siding

Other

  • Builder model: Other

Type & Style

  • Home type: SingleFamily
  • Architectural style: Two Story
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Microwave,Oven,Refrigerator

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Cathedral Ceiling(s),Fireplace,High Ceilings,Main Level Primary,Cable TV,Unfinished Walls,Vaulted Ceiling(s),Window Treatments
  • Window features: Insulated Windows,Window Treatments
  • Flooring: Carpet,Tile,Vinyl

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 1,636 sqft

Primary Bedroom

  • Level: First

Property

Details

  • Parcel number: R60002900006850000
  • Special condition: None

Features

  • Stories: 2
  • Pool features: Community
  • Patio & porch: Patio
  • Exterior features: Sprinkler/Irrigation,Patio
  • Has view: Yes
  • View description: Lake
  • Has water view: Yes
  • Water view: Lake

Lot

  • Lot size: 0.25 Acres
  • Features: < 1/4 Acre

Parking

  • Total spaces: 2
  • Parking features: Garage,Two Car Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneVery High
  • Lightning
    LightningVery High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Strong Wind
Cold Wave
Heat Wave
Inland Flooding
Ice Storm
Tornado
Winter Weather
Tsunami

FEMA Declared Disasters in Beaufort County and South Carolina

Flood
Hurricane
Mud Landslide
Severe Storm
Tornado
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,007$24,084
Home Insurance *$174$2,088
Property Taxes $165$1,980
Electricity $204$2,449
Total$2,550$30,600
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$87,428/yr
40% on housing$76,500/yr
45% on housing$68,000/yr

South Carolina FAIR Plan Programs

South Carolina Wind and Hail Underwriting Association

Covered
HailHail
WindWind
Visit Website →

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 8.5%
8.5%
0%30.0%
Electricity Growth Rate10-year average: 3.6%
3.6%
0%15.0%
Property Taxes Growth Rate2-year average: 4.3%
4.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$243This listing

vs Other Active Listings

Avg $/sqft

ZIP 29910$434
Beaufort County$383

vs Homes Sold Last Month

Median $/sqft

ZIP 29910$275
Beaufort County$295

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-02Listed for sale$397,000
2019-06-13Listing removed$1,900
2019-04-17Listed for rent$1,900
2017-10-03Sold$223,000
2017-09-06Pending sale$229,975
2017-08-30Listed for sale$229,975
2016-07-27Sold$210,000
2016-06-04Pending sale$219,900
2016-06-01Price change$219,900
2016-04-15Listed for sale$229,900
2006-02-09Sold$189,150

For Sale by Agent

AgentChristopher Bowes
BrokerageSERHANT

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