3104 Conservancy Ln, Charleston, SC 29414 Property Records

Charleston County property record for 3104 Conservancy Ln, Charleston, SC 29414

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,638 sqft · built 2010
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on File
Last Sale	$260,000 (Jun 2020)
Tax Bill	$1,650 (2025)
Deeds & Mortgages	May 2026 Construction Loan Jun 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`307-05-00-709`

Property Details

APN / Parcel Number

Primary APN	`307-05-00-709`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,638 sqft Living Area
1st Floor Area	594 sqft
Upper Floors Area	1,044 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Exterior Material	Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	6,970 sqft (0.16 acres)
Terrain	High
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	198 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	3104 CONSERVANCY LN
City	CHARLESTON
State	SC
Zip	29414-8111
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION NAME -RICE FIELD, PHASE 5D CAROLINA BAY DESCRIPTION -LOT CBCS 219
Legal Subdivision	RICE FIELD, PHASE 5D CAROLINA BAY
Legal Phase	5D
Legal Lot Number	CBCS
Jurisdiction	CHARLESTON SC
Township / Civil Division	WEST ASHLEY
Census Block Group	3
Census Block	3041
Census Tract	5601

Owner

3104 Conservancy Ln is owned and occupied by two individuals who bought it in June 2020.

Source: Charleston County records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3104 CONSERVANCY LN, CHARLESTON, SC 29414-8111
Occupancy	Owner Occupied
Owner Type	Individual

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
May 15, 2026	Deed of Trust, Mortgage · Construction Mortgage NEIGHBORHOODLOANS INC
Jun 3, 2020	Grant Deed, Transfer · Conventional with PMI AMERICAN NBRHD MTG ACCPTNC
Jan 31, 2017	Grant Deed, Transfer · FHA Mortgage TOWNEBANK MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2020 · Amount on File
Deed Sale	Jun 3, 2020 · Amount on File
Prior Sale	Jan 31, 2017 · Amount on File
Deed Book / Page	887 / 500
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Recording Date	May 15, 2026
Property Address	3104 CONSERVANCY LN, CHARLESTON, SC 29414-8111
Document Number	1389000542
Book / Page	1389 / 542
Instrument Date	May 11, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3104 CONSERVANCY LN, CHARLESTON, SC 29414-8111
Investor	Possibly a Property Investor

Mortgage

Document Number	1389000542,
Date	May 15, 2026
Book Page	1389/542

Lender

Name	NEIGHBORHOODLOANS INC

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	4 Months
Due	Sep 1, 2026

Interest

Rate Type	Balloon
Rate	6.37%
Initial Type	Balloon
Max Rate	-1%

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLESTON SC
Recording Date	Jun 3, 2020
Property Address	3104 CONSERVANCY LN, CHARLESTON, SC 29414-8111
Document Number	0887/0500
Book / Page	000887 / 000500
Instrument Date	May 26, 2020
Transaction Type	Transfer
Record Updated	May 31, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$260.00
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	3104 CONSERVANCY LN CHARLESTON SC 294148111, CHARLESTON, SC 29414-8111

Mortgage

Document Number	887/0503
Date	Jun 3, 2020
Book Page	000887/000503

Lender

Name	AMERICAN NBRHD MTG ACCPTNC
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 2, 2050

January 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLESTON SC
Recording Date	Jan 31, 2017
Property Address	3104 CONSERVANCY LN, CHARLESTON, SC 29414-8111
Document Number	0613/0810
Book / Page	000613 / 000810
Instrument Date	Jan 19, 2017
Transaction Type	Transfer
Record Updated	Feb 13, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$233.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale 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	3104 CONSERVANCY LN CHARLESTON SC 294148111, CHARLESTON, SC 29414-8111

Mortgage

Document Number	613/0811
Date	Jan 31, 2017
Book Page	000613/000811

Lender

Name	TOWNEBANK MTG
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23451

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 30, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3104 Conservancy Ln was $1,650, up 15.2% from the year before.

Source: Charleston County assessment roll, as of August 1, 2025

Property Jurisdictions

Type	Name
State	South Carolina
County	Charleston County
Municipality	Charleston City
Unified School District	Charleston County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,650.00 (+15.22%)	$298,655 (+2,774.45%) Land $73,830 Building $224,825	$440,200 Land $103,300 Building $336,900
2024	$1,432.00	$10,390
2022	$1,316.00	$10,390	$259,700 Land $64,200 Building $195,500
2020			$259,700 Land $64,200 Building $195,500

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 3104 Conservancy Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 9, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 688 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	688 in force
Nearby Flood Claims	7 (2015–2022)
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 3 claims

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 3104 Conservancy Ln is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 90% of South Carolina
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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	CHARLESTON WATER SYSTEM serves 278,771 people · EPA ID SC1010001
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	4 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jul 2025
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 393 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile, WOW Internet, Cable & Phone.

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