3086 Arches Bluff Cir, Lancaster, SC 29720 Property Records

Lancaster County property record for 3086 Arches Bluff Cir, Lancaster, SC 29720

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,796 sqft · built 2018
Lot Size	0.25 acres (10,931 sqft)
Owner	2 Trust Names on File
Last Sale	$646,000 (Aug 2022)
Tax Bill	$3,854 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Jun 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0019J-0A-346.00`

Property Details

APN / Parcel Number

Primary APN	`0019J-0A-346.00`
Alternative APN	`95463`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,796 sqft Living Area
Gross Area	3,846 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2020
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,931 sqft (0.25 acres)
Garage Area	628 sqft
Porch	Porch
Porch Area	422 sqft

Location & Zoning

Account Number	95463
Street Address	3086 ARCHES BLUFF CIR
City	LANCASTER
State	SC
Zip	29720-0091
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TREE TOPS 0.251 AC
Legal Subdivision	TREE TOPS PHASE 1B
Legal Block	346
Legal Lot Number	346
Jurisdiction	LANCASTER SC
Township / Civil Division	VAN WYCK
Census Block Group	2
Census Block	2068
Census Tract	11209

Owner

3086 Arches Bluff Cir is owner-occupied and held in a trust since March 2025.

Source: Lancaster County records, as of May 27, 2026

Owner of Record	2 Trust Names on File
Mailing Address	3086 ARCHES BLUFF CIR, LANCASTER, SC 29720-0091
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 15, 2022	Deed, Transfer · Conventional Mortgage TRUIST BANK
Jun 1, 2018	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BK
May 9, 2018	Grant Deed, Transfer · Conventional with PMI EAGLE HM MTG/CA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2022 · Amount on File
Deed Sale	Aug 15, 2022 · Amount on File
Prior Sale	May 9, 2018 · Amount on File
Deed Document Number	202213346
Deed Book / Page	1579 / 330
Last Transfer Date	Mar 4, 2025
Transfer Doc	0000002763
Record Updated	Sep 20, 2026

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	LANCASTER SC
Recording Date	Aug 15, 2022
Property Address	3086 ARCHES BLUFF CIR, LANCASTER, SC 29720-0091
Document Number	0000013346
Book / Page	1579 / 330
Map Reference	MB 2018 PG 266
Instrument Date	Aug 11, 2022
Instrument	2022013346
Transaction Type	Transfer
Record Updated	Aug 26, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,679.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3086 ARCHES BLUFF CIR, LANCASTER, SC 29720-0091

Mortgage

Document Number	0000013347
Date	Aug 15, 2022
Instrument	2022013347

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER SC
Property Address	3086 ARCHES BLUFF CIR, LANCASTER, SC 29720-0091
Document Number	0000008312
Instrument Date	Jun 1, 2018
Transaction Type	Mortgage
Record Updated	May 30, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3086 ARCHES BLUFF CIR LANCASTER SC 297200091, LANCASTER, SC 29720-0091

Mortgage

Document Number	0000008312
Date	Jun 12, 2018
Book Page	003566/000011
Instrument	8312

Lender

Name	FIRST CITIZENS BK
Type	Bank
Address	RALEIGH, NC 27611-6592

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jun 11, 2043

Interest

Rate Type	Adjustable Rate

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LANCASTER SC
Recording Date	May 9, 2018
Property Address	3086 ARCHES BLUFF CIR, LANCASTER, SC 29720-0091
Document Number	0000006627
Book / Page	001138 / 000297
Instrument Date	Feb 12, 2018
Instrument	6627
Transaction Type	Transfer
Record Updated	Jun 1, 2019
Title Company	OTHER

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,512.52
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3086 ARCHES BLUFF CIR LANCASTER SC 29720, LANCASTER, SC 29720

Mortgage

Document Number	6628
Date	May 9, 2018
Book Page	003549/000051
Instrument	6628

Lender

Name	EAGLE HM MTG/CA
Type	Mortgage Company
Address	MIAMI, FL 33172-3139

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 8, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3086 Arches Bluff Cir was $3,854, up 5% from the year before.

Source: Lancaster County assessment roll, as of March 27, 2026

Property Jurisdictions

Type	Name
State	South Carolina
County	Lancaster County
Unified School District	Lancaster County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,854.00 (+5.01%)	$26,748 Land $3,000 Building $23,748	$668,700 Land $75,000 Building $593,700
2024	$3,670.00 (-7.37%)
2023	$3,962.00	$24,936 Land $3,000 Building $21,936	$623,400 Land $75,000 Building $548,400

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

FEMA maps place 3086 Arches Bluff Cir in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 8, 2026 · 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 File median of 22 policies
Nearby Flood Policies	22 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

Wildfire risk around 3086 Arches Bluff Cir is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 96% of South Carolina
Wildfire Likelihood	0.01% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 228 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Comporium Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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