3097 Arches Bluff Cir, Lancaster, SC 29720 Property Records

Lancaster County property record for 3097 Arches Bluff Cir, Lancaster, SC 29720

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,208 sqft · built 2018
Lot Size	0.248 acres (10,804 sqft)
Owner	2 Individual Names on File
Last Sale	$568,000 (Jul 2025)
Tax Bill	$2,312 (2025)
Deeds & Mortgages	Jul 2025 Sale & Line of Credit Jul 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0019J-0A-353.00`

Property Details

APN / Parcel Number

Primary APN	`0019J-0A-353.00`
Alternative APN	`95478`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,208 sqft Living Area
Gross Area	2,900 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,804 sqft (0.248 acres)
Garage Area	476 sqft
Porch	Porch
Porch Area	216 sqft

Location & Zoning

Account Number	95478
Street Address	3097 ARCHES BLUFF CIR
City	LANCASTER
State	SC
Zip	29720-0091
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TREE TOPS 0.248 AC
Legal Subdivision	PROPERTY OF ROBERT BAILEY
Legal Block	353
Legal Lot Number	353
Jurisdiction	LANCASTER SC
Township / Civil Division	VAN WYCK
Census Block Group	2
Census Block	2069
Census Tract	11209

Owner

3097 Arches Bluff Cir is owned and occupied by two individuals who bought it in July 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	3097 ARCHES BLUFF CIR, LANCASTER, SC 29720-0091
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jul 18, 2025	Deed, Transfer · Line of Credit PRIMELENDING
Jul 6, 2022	Intrafamily Transfer, Transfer
Apr 12, 2018	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 18, 2025 · Amount on File
Deed Sale	Jul 18, 2025 · Amount on File
Prior Sale	Apr 12, 2018 · Amount on File
Deed Document Number	20259406
Deed Book / Page	1944 / 32
Prior Transfer Date	Jul 1, 2022
Prior Transfer Doc	0000011125
Record Updated	Sep 20, 2026

July 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	LANCASTER SC
Recording Date	Jul 18, 2025
Property Address	3097 ARCHES BLUFF CIR, LANCASTER, SC 29720-0091
Document Number	0000009406
Book / Page	1944 / 32
Map Reference	MB 2018 PG 210
Instrument Date	Jul 17, 2025
Instrument	2025009406
Transaction Type	Transfer
Record Updated	Mar 27, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,476.00
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	3097 ARCHES BLUFF CIR, LANCASTER, SC 29720-0091

Mortgage

Document Number	0000009407
Date	Jul 18, 2025
Instrument	2025009407

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2055

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LANCASTER SC
Recording Date	Jul 6, 2022
Property Address	3097 ARCHES BLUFF CIR, LANCASTER, SC 29720-0091
Document Number	0000011125
Book / Page	1567 / 136
Map Reference	MB 2018 PG 210
Instrument Date	Jul 1, 2022
Instrument	2022011125
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	3097 ARCHES BLUFF CIR, LANCASTER, SC 29720-0091

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LANCASTER SC
Recording Date	Apr 12, 2018
Property Address	3097 ARCHES BLUFF CIR, LANCASTER, SC 29720-0091
Document Number	0000005161
Book / Page	001131 / 000288
Instrument Date	Feb 12, 2018
Instrument	5161
Transaction Type	Transfer
Record Updated	Mar 20, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$1,295.00
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	3097 ARCHES BLUFF CIR LANCASTER SC 29720, LANCASTER, SC 29720

Tax Assessment & Valuation

The 2025 property tax bill for 3097 Arches Bluff Cir was $2,312, up 15.4% 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	$2,312.00 (+15.37%)	$16,192 Land $2,305 Building $13,887	$526,800 Land $75,000 Building $451,800
2024	$2,004.00 (+0.4%)
2023	$1,996.00	$14,080 Land $3,000 Building $11,080	$352,000 Land $75,000 Building $277,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 3097 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 3097 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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