3103 Duchess Ln, Florence, SC 29501 Property Records

Florence County property record for 3103 Duchess Ln, Florence, SC 29501

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.45 acres (19,602 sqft)
Owner	Individual Name on Record
Last Sale	$650,000 (May 2025)
Tax Bill	$322 (2025)
Deeds & Mortgages	Jun 2021 Line of Credit Jul 2021 Line of Credit + 7 more
Flood Zone	Zone X (minimal risk)
APN	`00098-01-240`

Property Details

APN / Parcel Number

Primary APN	`00098-01-240`

Exterior

Lot Area	19,602 sqft (0.45 acres)

Location & Zoning

Street Address	3103 DUCHESS LN
City	FLORENCE
State	SC
Zip	29501-7596
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	KINGS GATE PH 2A LT 61
Legal Subdivision	KINGS GATE SUBDIVISION PHASE 2A
Legal Lot Number	61
Jurisdiction	FLORENCE SC
Township / Civil Division	FLORENCE
Census Block Group	2
Census Block	2021
Census Tract	101

Owner

Source: Florence County records, as of June 5, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	3103 DUCHESS LN, FLORENCE, SC 29501-7596
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 7, 2021	Deed of Trust, Mortgage · Line of Credit THE CITIZENS BANK
Jul 21, 2021	Deed of Trust, Mortgage · Line of Credit DEDICATED COMMUNITY BANK
Jul 26, 2021	Deed of Trust, Mortgage · Construction Mortgage DEDICATED COMMUNITY BANK
May 13, 2025	Deed, Subdivision Related Transfer · Line of Credit ROCKET MORTGAGE LLC
Feb 7, 2022	Deed, Construction Loan · Construction Mortgage DEDICATED COMMUNITY BANK
Mar 23, 2021	Warranty Deed, Transfer
Dec 12, 2019	Trustee's Deed, Construction Loan · Line of Credit DEDICATED CMNTY BK
Sep 20, 2019	Trustee's Deed, Construction Loan · Line of Credit DEDICATED CMNTY BK
Dec 28, 2018	Trustee's Deed, Construction Loan · Line of Credit DEDICATED CMNTY BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 13, 2025 · Amount on Record
Deed Sale	May 13, 2025 · Amount on Record
Prior Sale	Feb 7, 2022 · Amount on Record
Deed Document Number	20256206
Deed Book / Page	1156 / 1604
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLORENCE SC
Property Address	3103 DUCHESS LN, FLORENCE, SC 29501-7596
Transaction Type	Mortgage
Record Updated	Mar 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 7537, FLORENCE, SC 29502-7537
Investor	Possibly a Property Investor

Mortgage

Document Number	0009261771
Date	Jun 7, 2021
Book Page	926/1771

Lender

Name	THE CITIZENS BANK
Type	Bank
Address	FLORENCE, SC 29501

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Jun 7, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLORENCE SC
Property Address	3103 DUCHESS LN, FLORENCE, SC 29501-7596
Transaction Type	Mortgage
Record Updated	Mar 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009361651
Date	Jul 21, 2021
Book Page	936/1651

Lender

Name	DEDICATED COMMUNITY BANK
Type	Bank
Address	DARLINGTON, SC 29540

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLORENCE SC
Property Address	3103 DUCHESS LN, FLORENCE, SC 29501-7596
Transaction Type	Mortgage
Record Updated	Mar 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009371097
Date	Jul 26, 2021
Book Page	937/1097

Lender

Name	DEDICATED COMMUNITY BANK
Type	Bank
Address	FLORENCE, SC 29502

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

May 2025: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	FLORENCE SC
Recording Date	May 13, 2025
Property Address	3103 DUCHESS LN, FLORENCE, SC 29501-7596
Document Number	DMA11561604
Book / Page	DMA1156 / 1604
Map Reference	MB 105 PG 28
Instrument Date	May 12, 2025
Instrument	2025006206
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 5, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,690.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3103 DUCHESS LN, FLORENCE, SC 29501-7596

Mortgage

Document Number	DMA11561609
Date	May 13, 2025
Instrument	DMA1156/1609

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2055

February 2022: Deed, Construction Loan

Document Type	Deed
Jurisdiction	FLORENCE SC
Recording Date	Feb 7, 2022
Property Address	3103 DUCHESS LN, FLORENCE, SC 29501-7596
Document Number	0009750251
Book / Page	975 / 251
Map Reference	MB 105 PG 28
Instrument Date	Jan 7, 2022
Transaction Type	Construction Loan
Record Updated	Mar 5, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1076 FLOYD DR, LAKE CITY, SC 29560-8727

Mortgage

Document Number	0000975256
Date	Feb 7, 2022
Instrument	975/256

Lender

Name	DEDICATED COMMUNITY BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Feb 4, 2023

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLORENCE SC
Recording Date	Mar 23, 2021
Property Address	3103 DUCHESS LN, FLORENCE, SC 29501-7596
Document Number	0009101795
Book / Page	910 / 1795
Map Reference	MB 105 PG 28
Instrument Date	Mar 18, 2021
Transaction Type	Transfer
Record Updated	Mar 5, 2026

Transaction

Amount	Amount Recorded
Tax	$277.50
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 7537, FLORENCE, SC 29502-7537
Investor	Possibly a Property Investor

December 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	FLORENCE SC
Recording Date	Dec 12, 2019
Property Address	3103 DUCHESS LN, FLORENCE, SC 29501-7596
Book / Page	000830 / 000041
Instrument Date	Dec 11, 2019
Instrument	18208
Transaction Type	Construction Loan
Record Updated	Jan 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 4521 FLORENCE SC 295024521, FLORENCE, SC 29502-4521

Mortgage

Document Number	0000018208
Date	Dec 12, 2019
Book Page	000830/000041
Instrument	18208

Lender

Name	DEDICATED CMNTY BK
Type	Bank
Address	DARLINGTON, SC 29540-0502

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	24 Months
Due	Dec 11, 2021

Interest

Rate Type	Adjustable Rate

September 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	FLORENCE SC
Recording Date	Sep 20, 2019
Property Address	3103 DUCHESS LN, FLORENCE, SC 29501-7596
Book / Page	000817 / 000019
Instrument Date	Sep 19, 2019
Instrument	13810
Transaction Type	Construction Loan
Record Updated	Oct 17, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 4521 FLORENCE SC 295024521, FLORENCE, SC 29502-4521

Mortgage

Document Number	0000013810
Date	Sep 20, 2019
Book Page	000817/000019
Instrument	13810

Lender

Name	DEDICATED CMNTY BK
Type	Bank
Address	DARLINGTON, SC 29540-0502

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	24 Months
Due	Sep 19, 2021

Interest

Rate Type	Adjustable Rate

December 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	FLORENCE SC
Recording Date	Dec 28, 2018
Property Address	3103 DUCHESS LN, FLORENCE, SC 29501-7596
Book / Page	000777 / 001720
Instrument Date	Dec 27, 2018
Instrument	17249
Transaction Type	Construction Loan
Record Updated	Jan 15, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 4521 FLORENCE SC 295024521, FLORENCE, SC 29502-4521

Mortgage

Document Number	0000017249
Date	Dec 28, 2018
Book Page	000777/001720
Instrument	17249

Lender

Name	DEDICATED CMNTY BK
Type	Bank
Address	DARLINGTON, SC 29540-0502

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	24 Months
Due	Dec 27, 2020

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Florence County assessment roll, as of March 5, 2026

Property Jurisdictions

Type	Name
State	South Carolina
County	Florence County
Unified School District	Florence School District 1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$322.00 (+12.59%)	$2,800 (-99.9%) Land $2,800	$70,000 (-99%) Land $70,000
2023	$286.00 (-79.92%) Additional exemption filed	$2,800,000 (+99,9%) Land $2,800,000	$7,000,000 (+9,9%) Land $7,000,000
2022	$1,424.00 Additional exemption filed	$2,800 Land $2,800	$70,000 Land $70,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective March 25, 2025 · 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 Record median of 11 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	11 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

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

Wildfire Risk	Moderate above 52% of the US · above 61% of South Carolina
Wildfire Likelihood	0.1% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF FLORENCE serves 79,745 people · EPA ID SC2110001
Water Source	Surface water
Last State Inspection	Apr 2024
Lead	1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Jan 2018
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 51 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Duchess Ln

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