3104 Duchess Ln, Florence, SC 29501 Property Records

Florence County property record for 3104 Duchess Ln, Florence, SC 29501

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,392 sqft · built 2017
Lot Size	0.41 acres (17,860 sqft)
Owner	Individual Name on File
Last Sale	$374,000 (May 2017)
Tax Bill	$1,980 (2025)
Deeds & Mortgages	Jul 2021 Construction Loan Jul 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`00098-01-242`

Property Details

APN / Parcel Number

Primary APN	`00098-01-242`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	3,392 sqft Living Area
1st Floor Area	2,120 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Conventional
Construction Type	Frame
Lot Area	17,860 sqft (0.41 acres)
Garage Type	Basement
Garage Area	462 sqft

Utilities, Heating & Cooling

Sewer	Municipal

Location & Zoning

Street Address	3104 DUCHESS LN
City	FLORENCE
State	SC
Zip	29501-7596
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KINGS GATE PH 2A LT 63
Legal Subdivision	KINGS GATE SUBDIVISION
Legal Lot Number	63
Jurisdiction	FLORENCE SC
Township / Civil Division	FLORENCE
Census Block Group	2
Census Block	2021
Census Tract	101

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	3104 DUCHESS LN, FLORENCE, SC 29501-7596
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2021	Deed of Trust, Mortgage · Construction Mortgage DEDICATED COMMUNITY BANK
Jul 21, 2021	Deed of Trust, Mortgage · Line of Credit DEDICATED COMMUNITY BANK
Sep 29, 2020	Deed of Trust, Mortgage · VA Mortgage MR COOPER

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 1, 2017 · Amount on Record
Deed Sale	May 1, 2017 · Amount on Record
Prior Sale	Sep 27, 2016 · Amount on Record
Deed Book / Page	688 / 1309
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLORENCE SC
Property Address	3104 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

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLORENCE SC
Property Address	3104 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

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLORENCE SC
Property Address	3104 DUCHESS LN, FLORENCE, SC 29501-7596
Document Number	0000013851
Instrument Date	Sep 29, 2020
Transaction Type	Mortgage
Record Updated	Nov 2, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	3104 DUCHESS LN FLORENCE SC 295017596, FLORENCE, SC 29501-7596

Mortgage

Document Number	0000013851
Date	Oct 7, 2020
Book Page	000879/000923
Instrument	13851

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 6, 2050

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	$1,980.00 (+15.59%)	$20,514 (-99.86%) Land $2,800 Building $17,714	$512,867 (-98.63%) Land $70,000 Building $442,867
2023	$1,713.00 (+1.6%) Homeowner's exemption	$14,953,861 (+99,899.07%) Land $2,800,000 Building $12,153,861	$37,384,654 (+9,899.99%) Land $7,000,000 Building $30,384,654
2022	$1,686.00 Homeowner's exemption	$14,954 Land $2,800 Building $12,154	$373,847 Land $70,000 Building $303,847

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

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 56% of the US · above 71% of South Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

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

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