New to the area guide - HHI SC

New to the area

New to the area

A guide to the Lowcountry.

A guide to the Lowcountry.

Call for more information

Call for more information

843.785.5252 w w w. H i l t o n H e a d E x p e r t s . c o m

843.785.5252 w w w. H i l t o n H e a d E x p e r t s . c o m

Checklist

Buying Guide Home Buying Checklist

Moving Out Checklist

☐ Step 1: Determine Affordability

Change of Address

Use this checklist to guide you through the home buying process and keep track of important details.

☐ Step 5: Find a Home (Preferences)

☐ Price Range of Home:

• # of Bedrooms: • # of Bathrooms: • Age of Home: • Age of Electric/Plumbing: • Age of Roof: • Square footage: ☐ Backyard? ☐ Garage/carport? ☐ Other features:

☐ Target monthly mortgage: ☐ Other expenses: ☐ Household income:

• Monthly income: ☐ Debt amount: • Monthly debt payment: ☐ Credit Score(s): • Credit Score Goal(s): ☐ Down payment amount: • % of Home to Save for: • Savings goal: • Savings goal date:

☐ Step 6: Visit Showings + Open Houses ☐ Step 7: Submit Offer • • • •

☐ Step 2: Choose a Lender • Lender’s name: • Lender’s company: ☐ Gather financial documents: ☐ Proof of Income ☐ Proof of Assets ☐ Meet credit score goal ☐ Employment verification ☐ Other documentation ☐ Submit financial documents ☐ Choose a Mortgage Loan: • Loan type: • Loan amount: • Monthly payment: • Payment length:

Offer amount: Escalation cap: Contingencies?

Preferred Move-in Date:

• Terms of Contract: ☐ Get Offer Approved by Lender

☐ Step 8: Get Offer Accepted ☐ Submit earnest deposit

☐ Step 9: Complete Home Inspection ☐ Request repairs? ☐ Renegotiate offer? ☐ Add contingencies?

☐ Step 10: Complete Appraisal • Appraisal Value:

• Interest rate: ☐ Get prequalified ☐ Get preapproved

☐ Step 11: Close on the Home • Complete contingencies: ☐ Sign important documents: ☐ Settlement statement ☐ The deed (if paid in-full) ☐ The promissory note ☐ The Deed of Trust/Mortgages ☐ Pay Closing Cost (If needed) ☐ Close ESCROW

☐ Step 3: Choose a Real Estate Agent ☐ Sign buyer’s agreement

• Name: • Brokerage: • Phone #:

☐ Step 4: Choose a Location

☐ Step 12: Get Keys & Move In!

• Zip code #1: • Zip code #2: • Zip code #3:

1

Use this checklist to track address changes when moving out of your home.

At Old Address

Public Institutions: ☐ ☐ ☐ ☐ ☐ ☐ ☐

New Tenants:

Department of Motor Vehicles (DMV) Internal Revenue Service Voter Registration Social Security Department of Veteran Affairs (if applicable) U.S. Post Office Pet Registration

☐ Remove all food from freezer, pantry, etc. ☐ Double check drawers, closets, & storage places ☐ Remove all possessions from property ☐ Leave keys for new tenants & owners

Moving Schedule: ☐ Contact moving company ☐ Take time off to move if needed ☐ Arrange for personal transportation & boarding

Financial Services:

☐ Billing/mailing address for financial institutions Billing/mailing address for online accounts ☐ (Amazon, Apple, Walmart, etc.)

Local Services:

At New Address Arrival:

☐ Complete a walk-through

☐ Utilities: ☐ Power ☐ Gas ☐ Water ☐ Trash ☐ Sewage ☐ Cable, internet & phone ☐ Insurances:

☐ Document any stains, damage, repairs, etc. ☐ Review floor plan & map out furniture ☐ Clean before moving in furniture - if needed

Local Services: ☐ Start service: ☐ Power ☐ Gas ☐ Water ☐ Trash ☐ Sewage ☐ Cable, internet & phone

☐ Home or renters ☐ Motor vehicles ☐ Pet ☐ Health: ☐ Doctor’s Office ☐ Dentist ☐ Optometrist ☐ Physician ☐ Veterinarian (if applicable) ☐ Lawn care services (if applicable) ☐ Security system services (if applicable) Employer: ☐ For employee records ☐ For paychecks, tax forms, etc. ☐ For health insurance Personal: ☐ Mailing subscriptions ☐ Pet tags ☐ Notify family, friends, etc.

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MOVING IN

House Hunting Checklist

Use this checklist to guide you through showings and to keep track of important details of homes.

Address: MEDICAL, DENTAL, PRESCRIPTION HISTORIES - Ask doctor or dentist for referrals.

- Transfer needed for prescriptions, eyeglasses, X-rays.

- Obtain birth records, medical records, etc.

PETS - Ask about regulations for licenses, vaccinations, tags, etc.

Moving is probably the worst part of the whole process. The only good part about it is, that you are moving into your new home. This section outlines ways to make this last part of the procedure a little bit easier.

DON’T FORGET TO - Empty freezer, plan use of foods - Defrost freezer and clean refrigerator. Place charcoal to dispel odors - Have appliances serviced for moving - Clean rugs and/or clothing before moving; have them wrapped - Check with your moving counselor/company insurance coverage, packing and unpacking labor, arrival day, various shipping papers, method and time of expected payment - Plan for special care needs of infant or pets - Check with Agriculture Department of new area to see if they have restrictions on plants

INSURANCE - Notify company of new location for coverage: life, health, fire and auto.

O N M O V I N G D AY - Carry enough cash or traveler’s checks to cover cost of moving services and expenses until you establish new banking services - Carry jewelry and important documents yourself or use registered mail - Plan for transporting pets; they are poor traveling companions if unhappy - Let close friends or relatives know route and schedule you will travel, including any overnight stops. Use them as message headquarters - Final check of old residence: double-check closets, drawers and shelves to be sure they are empty - Leave old keys, garage door openers, broiler pans, landscape/house plans and instruction manuals needed by new owner with your agent, or in the home.

U T I L I T Y C O M PA N I E S - Gas, light, water, fuel, garbage.

- Get refunds on any deposits made.

- Return cable boxes if necessary.

AT Y O U R N E W A D D R E S S - Obtain certified checks or cashier’s checks necessary for closing real estate transaction (check title company for details or wiring instructions from the attorney.

ADDRESS CHANGE - Give forwarding address to Post Office four to six weeks before moving - Charge accounts, credit cards - Subscriptions: Notice required six to eight weeks - Friends and relatives BANK - Transfer funds, arrange check-cashing in new city if necessary - Arrange credit references

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Asking price:

Neighborhood:

# of bedrooms:

Year built:

Annual taxes:

Walk score:

Commute time:

Exterior

Curb appeal Yard/landscaping Front lawn Backyard Irrigation/sprinklers House type Exterior siding Foundation Deck/patio Porch Garage/carport Windows/screens Window casings Doors/screens Door casings Roof Gutters/Downspout Fencing Outdoor storage

Features

Fireplace Chimney Swimming pool Washer/dryer Water heater A/C unit Furnace Energy efficiency Home warranty Phone reception

# of bathrooms:

HOA Fee:

Square feet:

School district:

Interior ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯

Other

Offer due date: Move-out date:

Openness Atmosphere Natural light Floorplan View Walls/trim Windows Window casings Doors Door casings Flooring Stairs Storage Entry space Living room Dining room Den Kitchen Layout Countertops Cabinets Sink Backsplash Flooring Light fixtures Pantry Island Outlets Refrigerator Stove/oven Microwave Dishwasher

Notes

Overall score (1-10): Selling as is (Y/N): Reason for selling: 2

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Master bedroom Bedroom #2 Bedroom #3 Bedroom #4 Master bathroom Bathroom #2 Bathroom #3 Garage Laundry room

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Home Systems

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Electrical Plumbing Water filtration HVAC Insulation Security

Location

Neighborhood Street access Traffic Noise Schools Shopping Parks & rec Prox. to airport Prox. to pub trans Property value

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Education

Veterinarian Guide

Whether you are enrolling your little one in pre-k, sending your teen off to college or looking to expand upon your own studies, you will find exceptional public and private educational institutions in Hilton Head Island and Bluffton.

ELEMENTARY - PUBLIC

MIDDLE - PUBLIC

Bluffton Elementary School and Early Childhood Center 150 & 160 H.E. McCracken Circle | Bluffton 843-706-8500 (Elementary) | 843-706-0900 (ECC)

Bluffton Middle School 30 New Mustang Drive | Bluffton 843-707-0700

Hilton Head Island Early Childhood Center 165 Pembroke Drive | Hilton Head Island 843-689-0400

H. E. McCracken Middle School 250 H.E. McCracken Circle | Bluffton 843-706-8700

Hilton Head Island Elementary School 30 School Road | Hilton Head Island 843-342-4100

Hilton Head Island Middle School 55 Wilborn Road | Hilton Head Island 843-689-4500 K-8 PUBLIC

Hilton Head Island School for the Creative Arts 10 Bus Drive | Hilton Head Island 843-342-4380

River Ridge Academy 3050 River Ridge Drive | Bluffton 843-836-4600

Michael C. Riley Elementary School Early Childhood Center 172 & 200 Burnt Church Road | Bluffton 843-706-8300 (Elementary) | 843-707-0800 (ECC)

HIGH SCHOOL - PUBLIC Bluffton High School 12 H.E. McCracken Circle | Bluffton 843-706-8800

Okatie Elementary School 53 Cherry Point Road | Bluffton 843-322-7700

Hilton Head Island High School 70 Wilborn Road | Hilton Head Island 843-689-4800

Pritchardville Elementary School 9447 Evan Way | Bluffton 843-707-0500

May River High School 601 New Riverside Drive | Bluffton

Red Cedar Elementary School 10 Box Elder Street | Bluffton

843-836-4900

843-707-0600

3

With more and more folks sharing their lives with a furry friend or two, quick access to quality veterinary care has become essential. Thankfully, many outstanding veterinarians have chosen to call the Lowcountry home and, as such, Hilton Head and Bluffton offer an abundance of clinics to choose from.

Animal Medical Center 8 Fish Haul Road | Hilton Head Island 843-681-5080 Heritage Animal Hospital 130 Arrow Road | Hilton Head Island 843-842-8331 Hilton Head Veterinary 109 Mathews Drive | Hilton Head Island 843-681-2890 Plantation Animal Hospital 105 Dillon Road, Suite B | Hilton Head Island 843-681-4586 Bluffton Veterinary Hospital 21 Scott Way | Bluffton 843-815-5898 Buckwalter Veterinary Clinic 103 Buckwalter Place Boulevard, Suite 102 | Bluffton 843-837-2733 Coastal Veterinary Clinic 21 Buck Island Road | Bluffton 843-757-1112 Hilton Head Veterinary Clinic - Sun City 200 Okatie Village Drive, Suite 104 | Okatie 843-705-9959 Riverwalk Animal Hospital 58 Browns Cove Road N | Bluffton/Okatie/Sun City-area (Ridgeland) 843-987-0844

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Education

Boating & Fishing

PRIVATE SCHOOLS - BLUFFTON

With miles of pristine coastline, the Intracoastal Waterway, rivers, and creeks galore, the Lowcountry is simply paradise for those who love being on the water.

Whether you enjoy spending time on a luxury yacht, stunning sailboat, kayaking, shrimping, or fishing, you will find the perfect place to while away the hours on

Cross Schools K-10 495 Buckwalter Parkway | Bluffton 843-706-2000 Hilton Head Island Christian Academy K-12 3088 Bluffton Parkway | Bluffton 843-681-9758

the water.

Yacht Clubs on Hilton Head Island • Freedom Boat Club Phone: 843-682-2627 • Hilton Head Plantation Yacht Club Phone: 802-373-8533 • South Carolina Yacht Club Phone: 843-681-7292 • The Yacht Club of Hilton Head Island 843-785-9244 Marinas on Hilton Head Island • Broad Creek Marina Phone: 843-681-3625 • Harbour Town Yacht Basin Phone: 843-785-3333 • Hilton Head Harbor RV Resort & Marina Phone: 843-681-3256 • Shelter Cove Harbour & Marina Phone: 866-661-3822 • Skull Creek Marina Phone: 843-681-8436 • South Beach Marina Phone: 866-561-8802

Public Boat Ramps and Landings on Hilton Head Island & Bluffton • Alljoy Boat Ramp | Bluffton On: May River • Buckingham Boat Ramp | Hilton Head Island On: Mackay Creek • Broad Creek Boat Ramp | Hilton Head Island On: Broad Creek • Calhoun Street Boat Ramp | Bluffton On: May River • CC Haigh Jr Boat Ramp | Hilton Head Island On: Mackay Creek • Edgar Glenn Boat Ramp | Okatie On: Chechessee River • HE Trask Sr Boat Ramp | Bluffton On: Colleton River • Warf Street Boat Ramp | Bluffton On: May River

St Francis Catholic School Pre K - 8 45 Beach City Road | Hilton Head Island 843-681-6501 Sea Pines Montessori Academy 12 Months - Grade 8 9 Fox Grape Road | Hilton Head Island 843-785-2534

COLLEGES & UNIVERSITIES May River Montessori 24 months - Grade 8 60 Calhoun Street | Bluffton 843-757-2312 St. Gregory the Great Catholic School Pre-K - 6 38 Saint Gregory Drive | Bluffton 843-815-9988 PRIVATE SCHOOLS - HILTON HEAD Heritage Academy 6 - 12 11 New Orleans Road | Hilton Head 843-842-8600 Hilton Head Preparatory School Pre K - 12 6 Fox Grape Road | Hilton Head Island 843-671-2286 The Island Academy K - 12 5 Dunmore Court | Hilton Head Island 843-342-9826

Technical College of the Lowcountry Two-Year College 100 Community College Drive | Bluffton 843-470-6000 University of South Carolina Beaufort Four-Year College, Limited Graduate Programs One University Boulevard | Bluffton One Sand Shark Drive | Hilton Head Island 843-208-8000 LIFELONG LEARNING Osher Lifelong Learning Institute (OLLI) Not-for-credit, Adults 50 and Older One University Boulevard | Bluffton One Sand Shark Drive | Hilton Head Island 843-208-8000 Lifelong Learning of Hilton Head Island Not-for-credit, No Age Requirement All classes held at varying locations on Hilton Head Island 843-842-8250

Fishing Licenses A license is required to partake in both fresh and saltwater fishing in the state of South Carolina. Fees vary and you must be able to prove residency.

More Info: South Carolina Department of Natural Resources 15 4

UTILITIES ☐ Gas

☐ Water

☐ Trash

Hilton Head Island Airport (code: HHH)

Whether it’s hoping a flight to see loved ones

Served by: American Airlines, Delta and United.

“back home” or heading off on a round-the-world

Local Services: ☐ Power

Airport Information

☐ Sewage

☐ Cable, internet & phone

Hilton Head Island

Bluffton

Electric • Palmetto Electric Cooperative Phone: 843-681-5551

Electric • Palmetto Electric Cooperative Phone: 843-681-5551

Propane • Ferrellgas 843-681-6678

• Dominion Energy & Natural Gas 800-251-7234

• Suburban Propane 843-681-3919

Propane • Ferrellgas 843-681-6678

Water • Hilton Head PSD Serving customers from Windmill Harbour to the Hilton Head Resort area Phone: 843-681-5525

adventure, being close to an airport is a major

Drive time from the farthest point on Hilton Head:

necessity for many people. Luckily, if you reside

20 minutes.

in the Hilton Head Island/Bluffton area, you have Drive time from central Bluffton: 30 minutes

several options to choose from:

• Suburban Propane 843-681-3919 Water • Beaufort-Jasper Water Sewer Authority Phone: 843-987-9200

• Broad Creek PSD Serving customers in the Palmetto Dunes and Shelter Cove areas Phone: 843-785-7582

Internet, Cable TV and Landline Phone • Hargray Communications Phone: 877-427-4729

• South Island PSD Serving customers in Shipyard, Long Cove, Wexford, Forest Beach and Sea Pines areas Phone: 843-785-6224

• Spectrum Phone: 866-874-2389

Internet, Cable TV and Landline Phone • Hargray Communications Phone: 877-427-4729

• Pinckney Well Drilling & Geothermal Phone: 843-522-1227

For homeowners on well and septic:

• Degler Waste Services Phone: 843-645-7867

• Spectrum Phone: 866-874-2389

5

Savannah/Hilton Head International Airport (code: SAV) Served by: Air Canada, Allegiant, American Airlines, Delta, Frontier Airlines, Silver Airways, Southwest, Sun Country Airlines and United.

Drive time from central Hilton Head Island: 1 hour, 10 minutes Drive time from central Bluffton: 40 minutes Charleston International Airport (code: CHS) Served by: Alaska, Allegiant, American Airlines, Breeze, Delta, Frontier Airlines, Jet Blue, Silver Airways, Southwest, and United Drive time from central Hilton Head Island: 2 hours, 30 minutes Drive time from central Bluffton: 2 hours Jacksonville International Airport (code: JAX) Served by: Allegiant, American Airlines, Delta, Frontier Airlines, Jet Blue, Southwest, and United Drive time from central Hilton Head Island: 2 hours, 45 minutes Drive time from central Bluffton: 2 hours, 15 minutes

14

Health Care

Small Business Resources

☐ Doctor’s Office

•

☐ Dentist

Hilton Head Island and Bluffton are great places to be an entrepreneur! Whether you are hoping to start your own small business or are relocating an existing organization, you will find outstanding resources, support, professional associations, and a skilled workforce waiting for you in the Lowcountry. Below are several links to help get you started on your entrepreneurial journey in Beaufort County.

64 Bluffton Road | Bluffton

☐ Optometrist

843-757-0676

☐ Physician

•

☐ Veterinarian (if applicable)

843-310-2872 •

Coastal Carolina Hospital

843-681-3777

843-784-8000

Hilton Head Island-Bluffton Chamber of Commerce 843-785-3673 on Hilton Head Island 843-757-3673 in Bluffton

Governmental Agencies

•

•

Hilton Head Hospital

843-681-6122

843-255-2270

•

on the Mainlaind, just outside the gate of Moss Creek) 843-836-7022

Tidewatch Freestanding Emergency Department

•

359 Tidewatch Drive West | Bluffton

Greater Bluffton Chamber of Commerce 843-757-1010

Town of Hilton Head Island Business Center 843-341-4600

Beaufort County Black Chamber of Commerce 843-986-1102

Town of Bluffton Business License Division 843-706-4500

843-305-4714

Small Business Administration - SC District Office 803-765-5377

•

843-341-2700 •

843-548-0533

Beaufort Memorial Express Care and Occupational

1Hour Away - Memorial Health 12 Locations throughout the Savannah, Georgia area General Information and Appointments: 912-350-8000 Average Drive time from Hilton Head/Bluffton to main Memorial Health campus: 1 hour

122 Okatie Center Boulevard North, Suite 100 | Okatie 843-612-6778 Cross Island Medical Center

19 Moss Creek Village, Suite D | Hilton Head Island (located

2 Hours Away - Medical University of South Carolina 100 Locations throughout South Carolina General Information: 843-792-2300 Appointments: 843-792-1414 Average Drive Time from Hilton Head/Bluffton to main MUSC campus: 2 hours

on the Mainland, just outside the gate of Moss Creek) 843-681-8260 •

Doctors Care - Hilton Head Island

845 William Hilton Parkway | Hilton Head Island 13

843-341-2416

St. Joseph’s/Candler Urgent Care

3 Progressive Street | Bluffton

Health - Okatie

•

Sea Pines Circle Immediate Care

2 Greenwood Drive | Hilton Head Island

Health - Bluffton

803-896-4300

803-734-2185

•

Beaufort Memorial Express Care and Occupational

1 Burnt Church Road, Suite A | Bluffton

SC Secretary of State

843-645-2669

Urgent Care & Walk-In Clinics

SC Department of Labor, Licensing and Regulation

Okatie Riverwalk Orthopedic Urgent Care

149 River Walk Boulevard, Suite 3/4 | Okatie

843-757-8433

•

Moss Creek Orthopedic Urgent Care

15 Moss Creek Village | Hilton Head Island (located

25 Hospital Center Boulevard | Hilton Head Island

Beaufort County Business Services

Main Street Medical

93 Main Street | Hilton Head Island

1000 Medical Center Drive | Hardeeville (Bluffton-area)

Chambers of Commerce

Global Family Medicine and Urgent Care Center

14 Oak Forest Rd, Unit B | Bluffton

Hospitals & Emergency Rooms •

Doctors Care - Bluffton

6

Ta x G u i d e

Beach Guide •

Driessen Beach Park

64 Bradley Beach Road.

Located mid-Island just past Folly Field Road.

Featuring restrooms, outdoor showers, picnic table pavilion, grill, playground, and vending machines.

Ample, metered parking.

•

Fish Haul Beach Park

124 Mitchelville Road.

Located mid-Island close to Chaplin Park. Featuring restrooms. Free parking.

•

Folly Field Beach Park

55 Starfish Drive.

BEACH ACCESS Beach lovers will find no shortage of places to plant their sun umbrella in the Lowcountry! All of Hilton Head Island’s beaches are public and there are 8 different beach access points scattered throughout the Island.

• Alder Lane 2 Woodward Avenue.

Located just off South Forest Beach Drive on the South End. Featuring handicap beach matting, outdoor showers, restrooms, and seasonal lifeguards. Metered parking.

• Burkes Beach 60 Burkes Beach Road.

Located mid-Island close to Chaplin Community Park. Featuring basketball courts, tennis courts, playground, and fenced-in dog park. Very limited, metered parking.

• Coligny Beach Park 1 North Forest Beach.

Located on the South End, just across from Coligny Plaza, this is Hilton Head’s most popular beach. Featuring outdoor showers, changing rooms, restrooms, free Wi-Fi, chair and umbrella rentals, handicap beach matting, and seasonal lifeguards. Free lot parking.

Located mid-Island and one of Hilton Head’s most popular beaches. Featuring restrooms, showers, handicap beach matting, and vending machines.

Limited, metered parking.

•

Islanders Beach Park

94 Folly Field Road.

Located mid-Island in the popular Folly Field area.

Featuring restrooms, outdoor showers, picnic pavilion, grill, handicap matting, and a playground.

Metered parking.

•

Mitchelville Beach Park

124 Mitchelville Road.

Located mid-Island close to Chaplin Park and a hidden gem! Featuring restrooms, outdoor showers, and picnic table. Please note: this beach is not handicap accessible and vehicular access is down a dirt road. Ample, free parking.

• Old Town Bluffton.

Located in the heart of Old Town Bluffton, the May River Sandbar is one of Bluffton’s best kept secrets and is where Blufftonians go for a great time. Be sure to check the tide! The “beach” is a sandbar and disappears at high tide. This is a quintessential Bluffton experience and one not to be missed. There are no restrooms and 7 limited parking.

INDIVIDUAL INCOME TAX South Carolina has a simplified Income Tax structure which follows the federal Income Tax laws.

South Carolina accepts the adjustments, exemptions, and deductions allowed on your federal tax return with few modifications. Your federal taxable income is the starting point in determining your state Income Tax liability.

TAX RATES Individual Income Tax rates range from 0% to a top rate of 7% on taxable income. Tax brackets are adjusted annually for inflation.

DEDUCTIONS  You do not pay taxes in this state on property sold in another state.  A deduction of 44% is allowed on net long-term capital gains. The South Carolina holding period for long-term gains is the same as the federal.  You may deduct a portion of your qualified retirement income included in South Carolina taxable income. See the SC1040 Instructions for more information.  At age 65, all residents are eligible for a deduction from any source of income. See the SC1040 Instructions for more information.  If you have military retirement income included in your South Carolina taxable income, you may make a deduction up to the amount of military retirement income. See the SC1040 Instructions for more information.  Reserve pay income received from the National Guard or armed forces for annual training and weekend drills is exempt from tax.  Disability income from a total and permanent disability is deductible.  South Carolina does not tax Social Security benefits or railroad retirement.  Interest from federal obligations is deductible.  You are allowed a deduction for each dependent claimed on your federal Income Tax return who had not reached the age of six by December 31 of the tax year.  You are allowed a South Carolina dependent exemption for each eligible dependent claimed on your federal Income Tax return.  A deduction is allowed for a special needs adopted child.

CREDITS  A refundable tuition credit for tuition paid to South Carolina colleges may be available for those who qualify.

Beginning with the 2018 tax year, the credit is 50% of tuition paid, not to exceed $1,500 per tax year, for 2-year and 4-year institutions.  Beginning with tax year 2018, full year or part-year resident taxpayers may claim a refundable credit for the lesser of the increase in South Carolina Motor Fuel User Fee they paid or the preventative maintenance costs they incurred in South Carolina during the tax year.  A two-wage earner credit allows married couples to take a if both spouses work. For tax year 2019, the credit cannot exceed $257.  A maximum credit of $300 is available for payments of in-home nursing care.  A credit is allowed for taxes paid to another state on income taxable in both states.  A child and dependent care credit allows an individual to claim 7% of federal allowable expenses.  Beginning with tax year 2018, full-year residents may claim the non-refundable South Carolina Earned Income Tax Credit if they were allowed the Federal Earned Income Tax Credit on their federal return. See the SC1040TC for more information on available tax credits 12

PA R K S & R E C R E AT I O N

Tax Guide Most folks moving from another state will likely find taxes in South Carolina to be slightly (or, in some cases, significantly) more advantageous. Below find some helpful information and corresponding links regarding local and state taxes. Of course, please consult a financial advisor, certified public accountant, or tax attorney before making any major decisions or

The Lowcountry’s year-round temperate climate is ideal for spending time outside and residents make it a priority to enjoy every second. As a result, both Hilton Head Island and Bluffton offer a superb selection of parks and recreational opportunities that appeal to a wide variety of interests, activity levels and age groups.

• Historic Mitchelville Freedom Park 228 Beach City Road | Hilton Head Island Features: historic exhibits and interpretive signage, observation deck, leisure trails, picnic pavilion, outdoor showers, and restrooms.

• Island Recreation Center 20 Wilborn Road | Hilton Head Island Features: double gymnasium, indoor walking track, fitness facility, outdoor pool, playgrounds, community rooms and extensive programs, basketball and pickleball courts and restrooms.

• Jarvis Creek Park 50 Jarvis Creek Road | Hilton Head Island Features: large lake and fishing dock, fitness trail with workout stations, walking paths, playground, picnic pavilion and grill, grass meadow and restrooms.

• Shelter Cove Community Park 39 Shelter Cove Lane | Hilton Head Island Features: seasonal outdoor concerts, festivals and events, performance pavilion, event lawn, playground, public art, picnic pavilion, wifi and restrooms.

• Buckwalter Recreation Center 905 Buckwalter Parkway | Bluffton Features: soccer complex, indoor basketball, indoor racquetball, indoor volleyball, indoor track, indoor batting cages, outdoor skate park, cardio equipment and weight room, restrooms, showers, and lockers.

• Oscar Frazier Park 10 Recreation Court | Bluffton Features: baseball fields, batting cages, soccer field, playground, walking path, picnic pavilion and restrooms.

• Oyster Factory Park 55 Wharf Street | Bluffton Features: open-air pavilion, fire and oyster roast pit, picnic tables, boat ramp access to the May River, and restrooms

if you require professional advice or clarification. The content listed here is for general informational purposes only and is not all-inclusive.

Beaufort County separates taxes into two categories: Personal and Real.

Personal Property is defined by the county as “All things other than real estate which have value such as cars, trucks, boats, motorcycles and airplanes and items used in a business such as furniture, fixtures and equipment.” Personal property taxes are assessed yearly and must be paid, in full, to the county prior to you registering applicable property with SC DMV. With few exceptions, the County does not offer discounts on personal property taxes. For FAQ about personal property taxes in Beaufort County: Beaufort County Auditor Real Property is defined by the county as “All land and the buildings, structures or improvement on the land.” There are several factors that determine the rate at which your real property is taxed, including your age and whether the property is your primary residence.

SC Tax Relief/Legal Residence Discount (aka the 4% Exemption) This discounted tax rate on real property is available strictly to full-time South Carolina residents and is applied only on their primary residence. Second homes, rental and/or investment properties are taxed at 6%. It is important to note that you MUST apply for the 4% exemption as the county will not automatically tax at this rate. Click the link above for the application.

Homestead Exemption South Carolina’s Homestead Exemption “is a complete exemption of taxes on the first $50,000 in Fair Market Value of your Legal Residence for homeowners over age 65, totally and permanently disabled, or legally blind.” You must apply for this exemption in-person at the Beaufort County Auditor’s Office. For more information, please call 843-255-2500 or visit the Auditor’s webpage.

Specific forms and information for individual taxpayers and South Carolina businesses can be accessed by visiting the South Carolina Department of Revenue’s website.

11

Hilton Head Island & Bluffton • Barker Field 70 Baygall Road | Hilton Head Island Features: baseball fields, multi-purpose field, playground, observation deck, boardwalk and restrooms.

• Bristol Sports Arena 4 Helmsman Way | Hilton Head Island Features: skate park, hockey rink, basketball goals, and restrooms.

• Chaplin Community Park 11 Cast Net Drive | Hilton Head Island Features: basketball courts, tennis courts, multi-purpose fields, dog park, picnic pavilions, playground, leisure trails, restrooms, outdoor showers, and beach access.

• Historic Mitchelville Freedom Park 228 Beach City Road | Hilton Head Island Features: historic exhibits and interpretive signage, observation deck, leisure trails, picnic pavilion, outdoor showers, and restrooms.

8

Beaufort County Guide For information regarding vehicle registration, driver’s licenses and more, please contact the South Carolina Department of Motor Vehicles or visit scdmvonline.com.

NEED MORE INFORMATION? Visit us at dor.sc.gov for information on all major South Carolina taxes, advisory opinions, and tax forms.

FIND A TAXPAYER SERVICE CENTER Visit dor.sc.gov or call 1-844-898-8542 to find an SCDOR location near you.

Important Contact Information

As an elected representative, I have a core belief that government should work for the people, and not the other way around. We have created this convenient checklist to help you settle in, so you can start enjoying and exploring this beautiful place we get to call home. Please read it carefully and if you have any questions, our friendly staff members are here to assist you.

Beaufort County Assessor’s Office Assessor@bcgov.net www.BeaufortCountySC.gov 843-255-2400

All the best,

Maria Walls, CPA Beaufort County Treasurer

Registering a Motor Vehicle, Motorcycle or Recreational Vehicle Upon moving, you have 45 days to register. First, visit the Beaufort County Auditor’s Office to have a tax bill created with the following: • • •

Bill of Sale, or Title (If purchased from an individual, title must be signed by both parties) Driver’s License Most recent vehicle registration

Bring your newly printed tax bill to the Beaufort County Treasurer’s Office to pay. Last, go to any SCDMV field office with: • • • • • •

Your tax receiptfrom the Treasurer’s office Driver’s License Proof of Insurance Bill of Sale or Title (If purchased from an individual, title must be signed by both parties) Most recent vehicle registration If you are 64 years of age or older, ask at SCDMV about registration fee discount.

For more information about personal property tax, contact the auditor’s office in the county where you plan to reside.

SC Department of Natural Resources www.dnr.sc.gov/boating 803-734-3857

Need to Find Us?

This is land, buildings and mobile homes.

If your Beaufort County property will not be your legal residence it is assumed that the property may be rented. Therefore, you must sumbit a Rental Property Return form to the Beaufort County Auditor’s Office every year by April 30th.

Two mail items proving your current SC address.

This could be a utility bill in your name, school enrollment letter, or personal letter addressed to you.

Birth certifiate or current passport Social Security Card Proof of Insurance

Registering to Vote

Maria Walls, CPA The Beaufort County Treasurer’s Office, professionals serving with innovation and enthusiasm.

Once you have your South Carolina Driver’s License, you may register to vote with the Beaufort County Board of Elections in-person, by mail, email or online.

You will need the following documents: • •

SC Driver’s License or ID card Social Security Number

Registering a Boat, Motor, or Jetski Watercraft must be registered with the Department of Natural Resources (DNR).

843-255-2600

100 Ribaut Road, Beaufort

www.BeaufortCountyTreasurer.com

9

If you are a licensed driver, permanently moving into South Carolina, you must apply for a South Carolina Driver’s License at your nearest SCDMV field office within 90 days of your move.

• • •

PO Box 487 Beaufort, SC 29901

539 William Hilton Parkway, Hilton Head

Rental Property or Non-Legal Residence

•

Beaufort County Government Locations

4819 Bluffton Parkway, 3rd Floor, Bluffton

Real Property

•

Beaufort County Board of Elections Voter@bcgov.net www.BeaufortCountySC.gov 843-255-6900

Department of Motor Vehicles 15 Sheridan Park, Bluffton 28 Munch Drive, Beaufort www.SCDMVonline.com 803-896-5000

Getting a Driver’s License

Here are some of the documents you may need:

Beaufort County Auditor’s Office Auditor@bcgov.net www.BeaufortCountySC.gov 843-255-2500

Beaufort County Treasurer’s Office www.BeaufortCountyTreasurer.com 843-255-2600

Personal property taxes are collected annually on cars, motorcycles, recreational vehicles, boats, boat motors, and airplanes, based on values listed in national publications supplied to counties by the SCDOR. The value of your vehicle is multiplied by the assessment ratio (6% for personal motor vehicles) to determine the assessed value. The applicable millage rate is multiplied by the assessed value to determine the amount of personal property tax that you owe.

For more information regarding South Carolina State Government, visit sc.gov.

Welcome to Beaufort County

VEHICLE PROPERTY

If you moved from outside of South Carolina: You must register with DNR by mail. The applicable forms and additional information can be found on their website.

If you moved within South Carolina: You must update your mailing address with DNR by mail. The applicable forms and additional information can be found on their website.

Legal Residence If your Beaufort County property will be your legal residence you may qualify for a discount on your taxes, called a Legal Residence Exemption.

The Legal Residence application is available online or by visiting the Assessor’s Office. Submit the form as soon as possible; you do not need to wait until you get a tax bill.

The following documents are required for each owner: • • • •

SC Driver’s License or ID Card SC Vehicle Registration Most recently filed SC Individual Income Tax Return Military ID (Military personnel only)

If you do not have all of the above, contact the Assessor’s Office to identify acceptable alternatives.

Homestead Exemption If you have had the Legal Residence Exemption for one year and are over 65 years of age or have been certified totally and permanently disabled by a State or Federal Agency, or legally blind, or hold fee simple title or partial title to your property, you may be eligible for the Homestead Exemption. Visit the Auditor’s Office to apply.

The Rental Property Return form can be found online and requires you to identify whether you rent your property or not. If your property is rented, you must report to the Auditor’s Office the value of any furnishings or appliances. The information submitted is used to determine whether a Rental Property Tax Bill should be generated and the appropriate tax amount.

If you do not sumbit a Rental Property Return form to the Auditor’s Office, you will receive a Rental Proprty Tax Bill that estimates the value of furnishings or appliances to be 10% of the real property value.

Did You Know?

•

Anytime you move, even if it is within Beaufort County, you need to follow this checklist and update the mailing address of each property account with the Treasurer’s Office.

•

If you receive the Legal Residence Exemption, you must reapply after any change to your property deed. This includes refinancing your mortgage, moving, or putting your property into a trust.

•

Property tax bills are mailed each year by early November. Motor vehicle tax bills are mailed one month prior to your renewal month.

Here are some of the documents you may need: • • • •

SC Driver’s License or ID card Medicare card or Birth Certificate If blind, documentation from a licensed Ophthalmogist.

If disabled, documentation of disability from a State or Federal Acency.

10

Beaufort County Guide For information regarding vehicle registration, driver’s licenses and more, please contact the South Carolina Department of Motor Vehicles or visit scdmvonline.com.

NEED MORE INFORMATION? Visit us at dor.sc.gov for information on all major South Carolina taxes, advisory opinions, and tax forms.

FIND A TAXPAYER SERVICE CENTER Visit dor.sc.gov or call 1-844-898-8542 to find an SCDOR location near you.

Important Contact Information

As an elected representative, I have a core belief that government should work for the people, and not the other way around. We have created this convenient checklist to help you settle in, so you can start enjoying and exploring this beautiful place we get to call home. Please read it carefully and if you have any questions, our friendly staff members are here to assist you.

Beaufort County Assessor’s Office Assessor@bcgov.net www.BeaufortCountySC.gov 843-255-2400

All the best,

Maria Walls, CPA Beaufort County Treasurer

Registering a Motor Vehicle, Motorcycle or Recreational Vehicle Upon moving, you have 45 days to register. First, visit the Beaufort County Auditor’s Office to have a tax bill created with the following: • • •

Bill of Sale, or Title (If purchased from an individual, title must be signed by both parties) Driver’s License Most recent vehicle registration

Bring your newly printed tax bill to the Beaufort County Treasurer’s Office to pay. Last, go to any SCDMV field office with: • • • • • •

Your tax receiptfrom the Treasurer’s office Driver’s License Proof of Insurance Bill of Sale or Title (If purchased from an individual, title must be signed by both parties) Most recent vehicle registration If you are 64 years of age or older, ask at SCDMV about registration fee discount.

For more information about personal property tax, contact the auditor’s office in the county where you plan to reside.

SC Department of Natural Resources www.dnr.sc.gov/boating 803-734-3857

Need to Find Us?

This is land, buildings and mobile homes.

If your Beaufort County property will not be your legal residence it is assumed that the property may be rented. Therefore, you must sumbit a Rental Property Return form to the Beaufort County Auditor’s Office every year by April 30th.

Two mail items proving your current SC address.

This could be a utility bill in your name, school enrollment letter, or personal letter addressed to you.

Birth certifiate or current passport Social Security Card Proof of Insurance

Registering to Vote

Maria Walls, CPA The Beaufort County Treasurer’s Office, professionals serving with innovation and enthusiasm.

Once you have your South Carolina Driver’s License, you may register to vote with the Beaufort County Board of Elections in-person, by mail, email or online.

You will need the following documents: • •

SC Driver’s License or ID card Social Security Number

Registering a Boat, Motor, or Jetski Watercraft must be registered with the Department of Natural Resources (DNR).

843-255-2600

100 Ribaut Road, Beaufort

www.BeaufortCountyTreasurer.com

9

If you are a licensed driver, permanently moving into South Carolina, you must apply for a South Carolina Driver’s License at your nearest SCDMV field office within 90 days of your move.

• • •

PO Box 487 Beaufort, SC 29901

539 William Hilton Parkway, Hilton Head

Rental Property or Non-Legal Residence

•

Beaufort County Government Locations

4819 Bluffton Parkway, 3rd Floor, Bluffton

Real Property

•

Beaufort County Board of Elections Voter@bcgov.net www.BeaufortCountySC.gov 843-255-6900

Department of Motor Vehicles 15 Sheridan Park, Bluffton 28 Munch Drive, Beaufort www.SCDMVonline.com 803-896-5000

Getting a Driver’s License

Here are some of the documents you may need:

Beaufort County Auditor’s Office Auditor@bcgov.net www.BeaufortCountySC.gov 843-255-2500

Beaufort County Treasurer’s Office www.BeaufortCountyTreasurer.com 843-255-2600

Personal property taxes are collected annually on cars, motorcycles, recreational vehicles, boats, boat motors, and airplanes, based on values listed in national publications supplied to counties by the SCDOR. The value of your vehicle is multiplied by the assessment ratio (6% for personal motor vehicles) to determine the assessed value. The applicable millage rate is multiplied by the assessed value to determine the amount of personal property tax that you owe.

For more information regarding South Carolina State Government, visit sc.gov.

Welcome to Beaufort County

VEHICLE PROPERTY

If you moved from outside of South Carolina: You must register with DNR by mail. The applicable forms and additional information can be found on their website.

If you moved within South Carolina: You must update your mailing address with DNR by mail. The applicable forms and additional information can be found on their website.

Legal Residence If your Beaufort County property will be your legal residence you may qualify for a discount on your taxes, called a Legal Residence Exemption.

The Legal Residence application is available online or by visiting the Assessor’s Office. Submit the form as soon as possible; you do not need to wait until you get a tax bill.

The following documents are required for each owner: • • • •

SC Driver’s License or ID Card SC Vehicle Registration Most recently filed SC Individual Income Tax Return Military ID (Military personnel only)

If you do not have all of the above, contact the Assessor’s Office to identify acceptable alternatives.

Homestead Exemption If you have had the Legal Residence Exemption for one year and are over 65 years of age or have been certified totally and permanently disabled by a State or Federal Agency, or legally blind, or hold fee simple title or partial title to your property, you may be eligible for the Homestead Exemption. Visit the Auditor’s Office to apply.

The Rental Property Return form can be found online and requires you to identify whether you rent your property or not. If your property is rented, you must report to the Auditor’s Office the value of any furnishings or appliances. The information submitted is used to determine whether a Rental Property Tax Bill should be generated and the appropriate tax amount.

If you do not sumbit a Rental Property Return form to the Auditor’s Office, you will receive a Rental Proprty Tax Bill that estimates the value of furnishings or appliances to be 10% of the real property value.

Did You Know?

•

Anytime you move, even if it is within Beaufort County, you need to follow this checklist and update the mailing address of each property account with the Treasurer’s Office.

•

If you receive the Legal Residence Exemption, you must reapply after any change to your property deed. This includes refinancing your mortgage, moving, or putting your property into a trust.

•

Property tax bills are mailed each year by early November. Motor vehicle tax bills are mailed one month prior to your renewal month.

Here are some of the documents you may need: • • • •

SC Driver’s License or ID card Medicare card or Birth Certificate If blind, documentation from a licensed Ophthalmogist.

If disabled, documentation of disability from a State or Federal Acency.

10

PA R K S & R E C R E AT I O N

Tax Guide Most folks moving from another state will likely find taxes in South Carolina to be slightly (or, in some cases, significantly) more advantageous. Below find some helpful information and corresponding links regarding local and state taxes. Of course, please consult a financial advisor, certified public accountant, or tax attorney before making any major decisions or

The Lowcountry’s year-round temperate climate is ideal for spending time outside and residents make it a priority to enjoy every second. As a result, both Hilton Head Island and Bluffton offer a superb selection of parks and recreational opportunities that appeal to a wide variety of interests, activity levels and age groups.

• Historic Mitchelville Freedom Park 228 Beach City Road | Hilton Head Island Features: historic exhibits and interpretive signage, observation deck, leisure trails, picnic pavilion, outdoor showers, and restrooms.

• Island Recreation Center 20 Wilborn Road | Hilton Head Island Features: double gymnasium, indoor walking track, fitness facility, outdoor pool, playgrounds, community rooms and extensive programs, basketball and pickleball courts and restrooms.

• Jarvis Creek Park 50 Jarvis Creek Road | Hilton Head Island Features: large lake and fishing dock, fitness trail with workout stations, walking paths, playground, picnic pavilion and grill, grass meadow and restrooms.

• Shelter Cove Community Park 39 Shelter Cove Lane | Hilton Head Island Features: seasonal outdoor concerts, festivals and events, performance pavilion, event lawn, playground, public art, picnic pavilion, wifi and restrooms.

• Buckwalter Recreation Center 905 Buckwalter Parkway | Bluffton Features: soccer complex, indoor basketball, indoor racquetball, indoor volleyball, indoor track, indoor batting cages, outdoor skate park, cardio equipment and weight room, restrooms, showers, and lockers.

• Oscar Frazier Park 10 Recreation Court | Bluffton Features: baseball fields, batting cages, soccer field, playground, walking path, picnic pavilion and restrooms.

• Oyster Factory Park 55 Wharf Street | Bluffton Features: open-air pavilion, fire and oyster roast pit, picnic tables, boat ramp access to the May River, and restrooms

if you require professional advice or clarification. The content listed here is for general informational purposes only and is not all-inclusive.

Beaufort County separates taxes into two categories: Personal and Real.

Personal Property is defined by the county as “All things other than real estate which have value such as cars, trucks, boats, motorcycles and airplanes and items used in a business such as furniture, fixtures and equipment.” Personal property taxes are assessed yearly and must be paid, in full, to the county prior to you registering applicable property with SC DMV. With few exceptions, the County does not offer discounts on personal property taxes. For FAQ about personal property taxes in Beaufort County: Beaufort County Auditor Real Property is defined by the county as “All land and the buildings, structures or improvement on the land.” There are several factors that determine the rate at which your real property is taxed, including your age and whether the property is your primary residence.

SC Tax Relief/Legal Residence Discount (aka the 4% Exemption) This discounted tax rate on real property is available strictly to full-time South Carolina residents and is applied only on their primary residence. Second homes, rental and/or investment properties are taxed at 6%. It is important to note that you MUST apply for the 4% exemption as the county will not automatically tax at this rate. Click the link above for the application.

Homestead Exemption South Carolina’s Homestead Exemption “is a complete exemption of taxes on the first $50,000 in Fair Market Value of your Legal Residence for homeowners over age 65, totally and permanently disabled, or legally blind.” You must apply for this exemption in-person at the Beaufort County Auditor’s Office. For more information, please call 843-255-2500 or visit the Auditor’s webpage.

Specific forms and information for individual taxpayers and South Carolina businesses can be accessed by visiting the South Carolina Department of Revenue’s website.

11

Hilton Head Island & Bluffton • Barker Field 70 Baygall Road | Hilton Head Island Features: baseball fields, multi-purpose field, playground, observation deck, boardwalk and restrooms.

• Bristol Sports Arena 4 Helmsman Way | Hilton Head Island Features: skate park, hockey rink, basketball goals, and restrooms.

• Chaplin Community Park 11 Cast Net Drive | Hilton Head Island Features: basketball courts, tennis courts, multi-purpose fields, dog park, picnic pavilions, playground, leisure trails, restrooms, outdoor showers, and beach access.

• Historic Mitchelville Freedom Park 228 Beach City Road | Hilton Head Island Features: historic exhibits and interpretive signage, observation deck, leisure trails, picnic pavilion, outdoor showers, and restrooms.

8

Ta x G u i d e

Beach Guide •

Driessen Beach Park

64 Bradley Beach Road.

Located mid-Island just past Folly Field Road.

Featuring restrooms, outdoor showers, picnic table pavilion, grill, playground, and vending machines.

Ample, metered parking.

•

Fish Haul Beach Park

124 Mitchelville Road.

Located mid-Island close to Chaplin Park. Featuring restrooms. Free parking.

•

Folly Field Beach Park

55 Starfish Drive.

BEACH ACCESS Beach lovers will find no shortage of places to plant their sun umbrella in the Lowcountry! All of Hilton Head Island’s beaches are public and there are 8 different beach access points scattered throughout the Island.

• Alder Lane 2 Woodward Avenue.

Located just off South Forest Beach Drive on the South End. Featuring handicap beach matting, outdoor showers, restrooms, and seasonal lifeguards. Metered parking.

• Burkes Beach 60 Burkes Beach Road.

Located mid-Island close to Chaplin Community Park. Featuring basketball courts, tennis courts, playground, and fenced-in dog park. Very limited, metered parking.

• Coligny Beach Park 1 North Forest Beach.

Located on the South End, just across from Coligny Plaza, this is Hilton Head’s most popular beach. Featuring outdoor showers, changing rooms, restrooms, free Wi-Fi, chair and umbrella rentals, handicap beach matting, and seasonal lifeguards. Free lot parking.

Located mid-Island and one of Hilton Head’s most popular beaches. Featuring restrooms, showers, handicap beach matting, and vending machines.

Limited, metered parking.

•

Islanders Beach Park

94 Folly Field Road.

Located mid-Island in the popular Folly Field area.

Featuring restrooms, outdoor showers, picnic pavilion, grill, handicap matting, and a playground.

Metered parking.

•

Mitchelville Beach Park

124 Mitchelville Road.

Located mid-Island close to Chaplin Park and a hidden gem! Featuring restrooms, outdoor showers, and picnic table. Please note: this beach is not handicap accessible and vehicular access is down a dirt road. Ample, free parking.

• Old Town Bluffton.

Located in the heart of Old Town Bluffton, the May River Sandbar is one of Bluffton’s best kept secrets and is where Blufftonians go for a great time. Be sure to check the tide! The “beach” is a sandbar and disappears at high tide. This is a quintessential Bluffton experience and one not to be missed. There are no restrooms and 7 limited parking.

INDIVIDUAL INCOME TAX South Carolina has a simplified Income Tax structure which follows the federal Income Tax laws.

South Carolina accepts the adjustments, exemptions, and deductions allowed on your federal tax return with few modifications. Your federal taxable income is the starting point in determining your state Income Tax liability.

TAX RATES Individual Income Tax rates range from 0% to a top rate of 7% on taxable income. Tax brackets are adjusted annually for inflation.

DEDUCTIONS  You do not pay taxes in this state on property sold in another state.  A deduction of 44% is allowed on net long-term capital gains. The South Carolina holding period for long-term gains is the same as the federal.  You may deduct a portion of your qualified retirement income included in South Carolina taxable income. See the SC1040 Instructions for more information.  At age 65, all residents are eligible for a deduction from any source of income. See the SC1040 Instructions for more information.  If you have military retirement income included in your South Carolina taxable income, you may make a deduction up to the amount of military retirement income. See the SC1040 Instructions for more information.  Reserve pay income received from the National Guard or armed forces for annual training and weekend drills is exempt from tax.  Disability income from a total and permanent disability is deductible.  South Carolina does not tax Social Security benefits or railroad retirement.  Interest from federal obligations is deductible.  You are allowed a deduction for each dependent claimed on your federal Income Tax return who had not reached the age of six by December 31 of the tax year.  You are allowed a South Carolina dependent exemption for each eligible dependent claimed on your federal Income Tax return.  A deduction is allowed for a special needs adopted child.

CREDITS  A refundable tuition credit for tuition paid to South Carolina colleges may be available for those who qualify.

Beginning with the 2018 tax year, the credit is 50% of tuition paid, not to exceed $1,500 per tax year, for 2-year and 4-year institutions.  Beginning with tax year 2018, full year or part-year resident taxpayers may claim a refundable credit for the lesser of the increase in South Carolina Motor Fuel User Fee they paid or the preventative maintenance costs they incurred in South Carolina during the tax year.  A two-wage earner credit allows married couples to take a if both spouses work. For tax year 2019, the credit cannot exceed $257.  A maximum credit of $300 is available for payments of in-home nursing care.  A credit is allowed for taxes paid to another state on income taxable in both states.  A child and dependent care credit allows an individual to claim 7% of federal allowable expenses.  Beginning with tax year 2018, full-year residents may claim the non-refundable South Carolina Earned Income Tax Credit if they were allowed the Federal Earned Income Tax Credit on their federal return. See the SC1040TC for more information on available tax credits 12

Health Care

Small Business Resources

☐ Doctor’s Office

•

☐ Dentist

Hilton Head Island and Bluffton are great places to be an entrepreneur! Whether you are hoping to start your own small business or are relocating an existing organization, you will find outstanding resources, support, professional associations, and a skilled workforce waiting for you in the Lowcountry. Below are several links to help get you started on your entrepreneurial journey in Beaufort County.

64 Bluffton Road | Bluffton

☐ Optometrist

843-757-0676

☐ Physician

•

☐ Veterinarian (if applicable)

843-310-2872 •

Coastal Carolina Hospital

843-681-3777

843-784-8000

Hilton Head Island-Bluffton Chamber of Commerce 843-785-3673 on Hilton Head Island 843-757-3673 in Bluffton

Governmental Agencies

•

•

Hilton Head Hospital

843-681-6122

843-255-2270

•

on the Mainlaind, just outside the gate of Moss Creek) 843-836-7022

Tidewatch Freestanding Emergency Department

•

359 Tidewatch Drive West | Bluffton

Greater Bluffton Chamber of Commerce 843-757-1010

Town of Hilton Head Island Business Center 843-341-4600

Beaufort County Black Chamber of Commerce 843-986-1102

Town of Bluffton Business License Division 843-706-4500

843-305-4714

Small Business Administration - SC District Office 803-765-5377

•

843-341-2700 •

843-548-0533

Beaufort Memorial Express Care and Occupational

1Hour Away - Memorial Health 12 Locations throughout the Savannah, Georgia area General Information and Appointments: 912-350-8000 Average Drive time from Hilton Head/Bluffton to main Memorial Health campus: 1 hour

122 Okatie Center Boulevard North, Suite 100 | Okatie 843-612-6778 Cross Island Medical Center

19 Moss Creek Village, Suite D | Hilton Head Island (located

2 Hours Away - Medical University of South Carolina 100 Locations throughout South Carolina General Information: 843-792-2300 Appointments: 843-792-1414 Average Drive Time from Hilton Head/Bluffton to main MUSC campus: 2 hours

on the Mainland, just outside the gate of Moss Creek) 843-681-8260 •

Doctors Care - Hilton Head Island

845 William Hilton Parkway | Hilton Head Island 13

843-341-2416

St. Joseph’s/Candler Urgent Care

3 Progressive Street | Bluffton

Health - Okatie

•

Sea Pines Circle Immediate Care

2 Greenwood Drive | Hilton Head Island

Health - Bluffton

803-896-4300

803-734-2185

•

Beaufort Memorial Express Care and Occupational

1 Burnt Church Road, Suite A | Bluffton

SC Secretary of State

843-645-2669

Urgent Care & Walk-In Clinics

SC Department of Labor, Licensing and Regulation

Okatie Riverwalk Orthopedic Urgent Care

149 River Walk Boulevard, Suite 3/4 | Okatie

843-757-8433

•

Moss Creek Orthopedic Urgent Care

15 Moss Creek Village | Hilton Head Island (located

25 Hospital Center Boulevard | Hilton Head Island

Beaufort County Business Services

Main Street Medical

93 Main Street | Hilton Head Island

1000 Medical Center Drive | Hardeeville (Bluffton-area)

Chambers of Commerce

Global Family Medicine and Urgent Care Center

14 Oak Forest Rd, Unit B | Bluffton

Hospitals & Emergency Rooms •

Doctors Care - Bluffton

6

UTILITIES ☐ Gas

☐ Water

☐ Trash

Hilton Head Island Airport (code: HHH)

Whether it’s hoping a flight to see loved ones

Served by: American Airlines, Delta and United.

“back home” or heading off on a round-the-world

Local Services: ☐ Power

Airport Information

☐ Sewage

☐ Cable, internet & phone

Hilton Head Island

Bluffton

Electric • Palmetto Electric Cooperative Phone: 843-681-5551

Electric • Palmetto Electric Cooperative Phone: 843-681-5551

Propane • Ferrellgas 843-681-6678

• Dominion Energy & Natural Gas 800-251-7234

• Suburban Propane 843-681-3919

Propane • Ferrellgas 843-681-6678

Water • Hilton Head PSD Serving customers from Windmill Harbour to the Hilton Head Resort area Phone: 843-681-5525

adventure, being close to an airport is a major

Drive time from the farthest point on Hilton Head:

necessity for many people. Luckily, if you reside

20 minutes.

in the Hilton Head Island/Bluffton area, you have Drive time from central Bluffton: 30 minutes

several options to choose from:

• Suburban Propane 843-681-3919 Water • Beaufort-Jasper Water Sewer Authority Phone: 843-987-9200

• Broad Creek PSD Serving customers in the Palmetto Dunes and Shelter Cove areas Phone: 843-785-7582

Internet, Cable TV and Landline Phone • Hargray Communications Phone: 877-427-4729

• South Island PSD Serving customers in Shipyard, Long Cove, Wexford, Forest Beach and Sea Pines areas Phone: 843-785-6224

• Spectrum Phone: 866-874-2389

Internet, Cable TV and Landline Phone • Hargray Communications Phone: 877-427-4729

• Pinckney Well Drilling & Geothermal Phone: 843-522-1227

For homeowners on well and septic:

• Degler Waste Services Phone: 843-645-7867

• Spectrum Phone: 866-874-2389

5

Savannah/Hilton Head International Airport (code: SAV) Served by: Air Canada, Allegiant, American Airlines, Delta, Frontier Airlines, Silver Airways, Southwest, Sun Country Airlines and United.

Drive time from central Hilton Head Island: 1 hour, 10 minutes Drive time from central Bluffton: 40 minutes Charleston International Airport (code: CHS) Served by: Alaska, Allegiant, American Airlines, Breeze, Delta, Frontier Airlines, Jet Blue, Silver Airways, Southwest, and United Drive time from central Hilton Head Island: 2 hours, 30 minutes Drive time from central Bluffton: 2 hours Jacksonville International Airport (code: JAX) Served by: Allegiant, American Airlines, Delta, Frontier Airlines, Jet Blue, Southwest, and United Drive time from central Hilton Head Island: 2 hours, 45 minutes Drive time from central Bluffton: 2 hours, 15 minutes

14

Education

Boating & Fishing

PRIVATE SCHOOLS - BLUFFTON

With miles of pristine coastline, the Intracoastal Waterway, rivers, and creeks galore, the Lowcountry is simply paradise for those who love being on the water.

Whether you enjoy spending time on a luxury yacht, stunning sailboat, kayaking, shrimping, or fishing, you will find the perfect place to while away the hours on

Cross Schools K-10 495 Buckwalter Parkway | Bluffton 843-706-2000 Hilton Head Island Christian Academy K-12 3088 Bluffton Parkway | Bluffton 843-681-9758

the water.

Yacht Clubs on Hilton Head Island • Freedom Boat Club Phone: 843-682-2627 • Hilton Head Plantation Yacht Club Phone: 802-373-8533 • South Carolina Yacht Club Phone: 843-681-7292 • The Yacht Club of Hilton Head Island 843-785-9244 Marinas on Hilton Head Island • Broad Creek Marina Phone: 843-681-3625 • Harbour Town Yacht Basin Phone: 843-785-3333 • Hilton Head Harbor RV Resort & Marina Phone: 843-681-3256 • Shelter Cove Harbour & Marina Phone: 866-661-3822 • Skull Creek Marina Phone: 843-681-8436 • South Beach Marina Phone: 866-561-8802

Public Boat Ramps and Landings on Hilton Head Island & Bluffton • Alljoy Boat Ramp | Bluffton On: May River • Buckingham Boat Ramp | Hilton Head Island On: Mackay Creek • Broad Creek Boat Ramp | Hilton Head Island On: Broad Creek • Calhoun Street Boat Ramp | Bluffton On: May River • CC Haigh Jr Boat Ramp | Hilton Head Island On: Mackay Creek • Edgar Glenn Boat Ramp | Okatie On: Chechessee River • HE Trask Sr Boat Ramp | Bluffton On: Colleton River • Warf Street Boat Ramp | Bluffton On: May River

St Francis Catholic School Pre K - 8 45 Beach City Road | Hilton Head Island 843-681-6501 Sea Pines Montessori Academy 12 Months - Grade 8 9 Fox Grape Road | Hilton Head Island 843-785-2534

COLLEGES & UNIVERSITIES May River Montessori 24 months - Grade 8 60 Calhoun Street | Bluffton 843-757-2312 St. Gregory the Great Catholic School Pre-K - 6 38 Saint Gregory Drive | Bluffton 843-815-9988 PRIVATE SCHOOLS - HILTON HEAD Heritage Academy 6 - 12 11 New Orleans Road | Hilton Head 843-842-8600 Hilton Head Preparatory School Pre K - 12 6 Fox Grape Road | Hilton Head Island 843-671-2286 The Island Academy K - 12 5 Dunmore Court | Hilton Head Island 843-342-9826

Technical College of the Lowcountry Two-Year College 100 Community College Drive | Bluffton 843-470-6000 University of South Carolina Beaufort Four-Year College, Limited Graduate Programs One University Boulevard | Bluffton One Sand Shark Drive | Hilton Head Island 843-208-8000 LIFELONG LEARNING Osher Lifelong Learning Institute (OLLI) Not-for-credit, Adults 50 and Older One University Boulevard | Bluffton One Sand Shark Drive | Hilton Head Island 843-208-8000 Lifelong Learning of Hilton Head Island Not-for-credit, No Age Requirement All classes held at varying locations on Hilton Head Island 843-842-8250

Fishing Licenses A license is required to partake in both fresh and saltwater fishing in the state of South Carolina. Fees vary and you must be able to prove residency.

More Info: South Carolina Department of Natural Resources 15 4

Education

Veterinarian Guide

Whether you are enrolling your little one in pre-k, sending your teen off to college or looking to expand upon your own studies, you will find exceptional public and private educational institutions in Hilton Head Island and Bluffton.

ELEMENTARY - PUBLIC

MIDDLE - PUBLIC

Bluffton Elementary School and Early Childhood Center 150 & 160 H.E. McCracken Circle | Bluffton 843-706-8500 (Elementary) | 843-706-0900 (ECC)

Bluffton Middle School 30 New Mustang Drive | Bluffton 843-707-0700

Hilton Head Island Early Childhood Center 165 Pembroke Drive | Hilton Head Island 843-689-0400

H. E. McCracken Middle School 250 H.E. McCracken Circle | Bluffton 843-706-8700

Hilton Head Island Elementary School 30 School Road | Hilton Head Island 843-342-4100

Hilton Head Island Middle School 55 Wilborn Road | Hilton Head Island 843-689-4500 K-8 PUBLIC

Hilton Head Island School for the Creative Arts 10 Bus Drive | Hilton Head Island 843-342-4380

River Ridge Academy 3050 River Ridge Drive | Bluffton 843-836-4600

Michael C. Riley Elementary School Early Childhood Center 172 & 200 Burnt Church Road | Bluffton 843-706-8300 (Elementary) | 843-707-0800 (ECC)

HIGH SCHOOL - PUBLIC Bluffton High School 12 H.E. McCracken Circle | Bluffton 843-706-8800

Okatie Elementary School 53 Cherry Point Road | Bluffton 843-322-7700

Hilton Head Island High School 70 Wilborn Road | Hilton Head Island 843-689-4800

Pritchardville Elementary School 9447 Evan Way | Bluffton 843-707-0500

May River High School 601 New Riverside Drive | Bluffton

Red Cedar Elementary School 10 Box Elder Street | Bluffton

843-836-4900

843-707-0600

3

With more and more folks sharing their lives with a furry friend or two, quick access to quality veterinary care has become essential. Thankfully, many outstanding veterinarians have chosen to call the Lowcountry home and, as such, Hilton Head and Bluffton offer an abundance of clinics to choose from.

Animal Medical Center 8 Fish Haul Road | Hilton Head Island 843-681-5080 Heritage Animal Hospital 130 Arrow Road | Hilton Head Island 843-842-8331 Hilton Head Veterinary 109 Mathews Drive | Hilton Head Island 843-681-2890 Plantation Animal Hospital 105 Dillon Road, Suite B | Hilton Head Island 843-681-4586 Bluffton Veterinary Hospital 21 Scott Way | Bluffton 843-815-5898 Buckwalter Veterinary Clinic 103 Buckwalter Place Boulevard, Suite 102 | Bluffton 843-837-2733 Coastal Veterinary Clinic 21 Buck Island Road | Bluffton 843-757-1112 Hilton Head Veterinary Clinic - Sun City 200 Okatie Village Drive, Suite 104 | Okatie 843-705-9959 Riverwalk Animal Hospital 58 Browns Cove Road N | Bluffton/Okatie/Sun City-area (Ridgeland) 843-987-0844

16

MOVING IN

House Hunting Checklist

Use this checklist to guide you through showings and to keep track of important details of homes.

Address: MEDICAL, DENTAL, PRESCRIPTION HISTORIES - Ask doctor or dentist for referrals.

- Transfer needed for prescriptions, eyeglasses, X-rays.

- Obtain birth records, medical records, etc.

PETS - Ask about regulations for licenses, vaccinations, tags, etc.

Moving is probably the worst part of the whole process. The only good part about it is, that you are moving into your new home. This section outlines ways to make this last part of the procedure a little bit easier.

DON’T FORGET TO - Empty freezer, plan use of foods - Defrost freezer and clean refrigerator. Place charcoal to dispel odors - Have appliances serviced for moving - Clean rugs and/or clothing before moving; have them wrapped - Check with your moving counselor/company insurance coverage, packing and unpacking labor, arrival day, various shipping papers, method and time of expected payment - Plan for special care needs of infant or pets - Check with Agriculture Department of new area to see if they have restrictions on plants

INSURANCE - Notify company of new location for coverage: life, health, fire and auto.

O N M O V I N G D AY - Carry enough cash or traveler’s checks to cover cost of moving services and expenses until you establish new banking services - Carry jewelry and important documents yourself or use registered mail - Plan for transporting pets; they are poor traveling companions if unhappy - Let close friends or relatives know route and schedule you will travel, including any overnight stops. Use them as message headquarters - Final check of old residence: double-check closets, drawers and shelves to be sure they are empty - Leave old keys, garage door openers, broiler pans, landscape/house plans and instruction manuals needed by new owner with your agent, or in the home.

U T I L I T Y C O M PA N I E S - Gas, light, water, fuel, garbage.

- Get refunds on any deposits made.

- Return cable boxes if necessary.

AT Y O U R N E W A D D R E S S - Obtain certified checks or cashier’s checks necessary for closing real estate transaction (check title company for details or wiring instructions from the attorney.

ADDRESS CHANGE - Give forwarding address to Post Office four to six weeks before moving - Charge accounts, credit cards - Subscriptions: Notice required six to eight weeks - Friends and relatives BANK - Transfer funds, arrange check-cashing in new city if necessary - Arrange credit references

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Asking price:

Neighborhood:

# of bedrooms:

Year built:

Annual taxes:

Walk score:

Commute time:

Exterior

Curb appeal Yard/landscaping Front lawn Backyard Irrigation/sprinklers House type Exterior siding Foundation Deck/patio Porch Garage/carport Windows/screens Window casings Doors/screens Door casings Roof Gutters/Downspout Fencing Outdoor storage

Features

Fireplace Chimney Swimming pool Washer/dryer Water heater A/C unit Furnace Energy efficiency Home warranty Phone reception

# of bathrooms:

HOA Fee:

Square feet:

School district:

Interior ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯ ◯

Other

Offer due date: Move-out date:

Openness Atmosphere Natural light Floorplan View Walls/trim Windows Window casings Doors Door casings Flooring Stairs Storage Entry space Living room Dining room Den Kitchen Layout Countertops Cabinets Sink Backsplash Flooring Light fixtures Pantry Island Outlets Refrigerator Stove/oven Microwave Dishwasher

Notes

Overall score (1-10): Selling as is (Y/N): Reason for selling: 2

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Master bedroom Bedroom #2 Bedroom #3 Bedroom #4 Master bathroom Bathroom #2 Bathroom #3 Garage Laundry room

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Home Systems

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Electrical Plumbing Water filtration HVAC Insulation Security

Location

Neighborhood Street access Traffic Noise Schools Shopping Parks & rec Prox. to airport Prox. to pub trans Property value

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Checklist

Buying Guide Home Buying Checklist

Moving Out Checklist

☐ Step 1: Determine Affordability

Change of Address

Use this checklist to guide you through the home buying process and keep track of important details.

☐ Step 5: Find a Home (Preferences)

☐ Price Range of Home:

• # of Bedrooms: • # of Bathrooms: • Age of Home: • Age of Electric/Plumbing: • Age of Roof: • Square footage: ☐ Backyard? ☐ Garage/carport? ☐ Other features:

☐ Target monthly mortgage: ☐ Other expenses: ☐ Household income:

• Monthly income: ☐ Debt amount: • Monthly debt payment: ☐ Credit Score(s): • Credit Score Goal(s): ☐ Down payment amount: • % of Home to Save for: • Savings goal: • Savings goal date:

☐ Step 6: Visit Showings + Open Houses ☐ Step 7: Submit Offer • • • •

☐ Step 2: Choose a Lender • Lender’s name: • Lender’s company: ☐ Gather financial documents: ☐ Proof of Income ☐ Proof of Assets ☐ Meet credit score goal ☐ Employment verification ☐ Other documentation ☐ Submit financial documents ☐ Choose a Mortgage Loan: • Loan type: • Loan amount: • Monthly payment: • Payment length:

Offer amount: Escalation cap: Contingencies?

Preferred Move-in Date:

• Terms of Contract: ☐ Get Offer Approved by Lender

☐ Step 8: Get Offer Accepted ☐ Submit earnest deposit

☐ Step 9: Complete Home Inspection ☐ Request repairs? ☐ Renegotiate offer? ☐ Add contingencies?

☐ Step 10: Complete Appraisal • Appraisal Value:

• Interest rate: ☐ Get prequalified ☐ Get preapproved

☐ Step 11: Close on the Home • Complete contingencies: ☐ Sign important documents: ☐ Settlement statement ☐ The deed (if paid in-full) ☐ The promissory note ☐ The Deed of Trust/Mortgages ☐ Pay Closing Cost (If needed) ☐ Close ESCROW

☐ Step 3: Choose a Real Estate Agent ☐ Sign buyer’s agreement

• Name: • Brokerage: • Phone #:

☐ Step 4: Choose a Location

☐ Step 12: Get Keys & Move In!

• Zip code #1: • Zip code #2: • Zip code #3:

1

Use this checklist to track address changes when moving out of your home.

At Old Address

Public Institutions: ☐ ☐ ☐ ☐ ☐ ☐ ☐

New Tenants:

Department of Motor Vehicles (DMV) Internal Revenue Service Voter Registration Social Security Department of Veteran Affairs (if applicable) U.S. Post Office Pet Registration

☐ Remove all food from freezer, pantry, etc. ☐ Double check drawers, closets, & storage places ☐ Remove all possessions from property ☐ Leave keys for new tenants & owners

Moving Schedule: ☐ Contact moving company ☐ Take time off to move if needed ☐ Arrange for personal transportation & boarding

Financial Services:

☐ Billing/mailing address for financial institutions Billing/mailing address for online accounts ☐ (Amazon, Apple, Walmart, etc.)

Local Services:

At New Address Arrival:

☐ Complete a walk-through

☐ Utilities: ☐ Power ☐ Gas ☐ Water ☐ Trash ☐ Sewage ☐ Cable, internet & phone ☐ Insurances:

☐ Document any stains, damage, repairs, etc. ☐ Review floor plan & map out furniture ☐ Clean before moving in furniture - if needed

Local Services: ☐ Start service: ☐ Power ☐ Gas ☐ Water ☐ Trash ☐ Sewage ☐ Cable, internet & phone

☐ Home or renters ☐ Motor vehicles ☐ Pet ☐ Health: ☐ Doctor’s Office ☐ Dentist ☐ Optometrist ☐ Physician ☐ Veterinarian (if applicable) ☐ Lawn care services (if applicable) ☐ Security system services (if applicable) Employer: ☐ For employee records ☐ For paychecks, tax forms, etc. ☐ For health insurance Personal: ☐ Mailing subscriptions ☐ Pet tags ☐ Notify family, friends, etc.

18

New to the area

New to the area

A guide to the Lowcountry.

A guide to the Lowcountry.

Call for more information

Call for more information

843.785.5252 w w w. H i l t o n H e a d E x p e r t s . c o m

843.785.5252 w w w. H i l t o n H e a d E x p e r t s . c o m