3105 Duchess Ln, Florence, SC 29501 Property Records

Florence County property record for 3105 Duchess Ln, Florence, SC 29501

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,722 sqft · built 2020
Lot Size	0.43 acres (18,731 sqft)
Owner	Individual Name on File
Last Sale	$565,000 (Dec 2020)
Tax Bill	$2,949 (2025)
Deeds & Mortgages	Jul 2021 Construction Loan Jul 2021 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`00098-01-239`

Property Details

APN / Parcel Number

Primary APN	`00098-01-239`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,722 sqft Living Area
1st Floor Area	2,275 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Conventional
Construction Type	Frame
Lot Area	18,731 sqft (0.43 acres)
Garage Type	Basement
Garage Area	849 sqft

Utilities, Heating & Cooling

Sewer	Municipal

Location & Zoning

Street Address	3105 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 60
Legal Subdivision	KINGS GATE SUBDIVISION PHASE
Legal Lot Number	60
Jurisdiction	FLORENCE SC
Township / Civil Division	FLORENCE
Census Block Group	2
Census Block	2021
Census Tract	101

Owner

3105 Duchess Ln is owned and occupied by an individual who bought it in December 2020.

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

Owner of Record	Individual Name on File
Mailing Address	3105 DUCHESS LN, FLORENCE, SC 29501-7596
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
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
Dec 18, 2020	Warranty Deed, Subdivision Related Transfer · Line of Credit CAROLINA BK
Aug 17, 2020	Grant Deed, Construction Loan · Construction Mortgage DEDICATED CMNTY BK
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	Dec 18, 2020 · Amount on File
Deed Sale	Dec 18, 2020 · Amount on File
Prior Sale	Aug 17, 2020 · Amount on File
Deed Book / Page	892 / 828
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLORENCE SC
Property Address	3105 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 on Record

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLORENCE SC
Property Address	3105 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 on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	FLORENCE SC
Recording Date	Dec 18, 2020
Property Address	3105 DUCHESS LN, FLORENCE, SC 29501-7596
Document Number	0000017654
Book / Page	000892 / 000828
Instrument Date	Dec 18, 2020
Instrument	17654
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 12, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,091.00
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	3105 DUCHESS LN FLORENCE SC 295017596, FLORENCE, SC 29501-7596

Mortgage

Document Number	17655
Date	Dec 18, 2020
Book Page	000892/000834
Instrument	17655

Lender

Name	CAROLINA BK
Type	Bank
Address	FLORENCE, SC 29502

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 17, 2050

Interest

Rate Type	Adjustable Rate

August 2020: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	FLORENCE SC
Recording Date	Aug 17, 2020
Property Address	3105 DUCHESS LN, FLORENCE, SC 29501-7596
Document Number	0000010942
Book / Page	000869 / 000876
Instrument Date	Aug 14, 2020
Instrument	10942
Transaction Type	Construction Loan
Record Updated	Sep 10, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$296.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

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

Mortgage

Document Number	10943
Date	Aug 17, 2020
Book Page	000869/000880
Instrument	10943

Lender

Name	DEDICATED CMNTY BK
Type	Bank
Address	FLORENCE, SC 29501

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Aug 16, 2021

December 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	FLORENCE SC
Recording Date	Dec 12, 2019
Property Address	3105 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 on Record
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	3105 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 on Record
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	3105 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 on Record
Term	24 Months
Due	Dec 27, 2020

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3105 Duchess Ln was $2,949.

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	$2,949.00	$29,457 Land $2,800 Building $26,657	$736,441 Land $70,000 Building $666,441
2023	$2,479.00 (-1.31%) Homeowner's exemption	$22,270,899 (+99,899.55%) Land $2,800,000 Building $19,470,899	$55,677,248 (+9,900.01%) Land $7,000,000 Building $48,677,248
2022	$2,512.00 Homeowner's exemption	$22,271 Land $2,800 Building $19,471	$556,772 Land $70,000 Building $486,772

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 3105 Duchess Ln in Zone X, an area of minimal flood risk.

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 File 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

Wildfire risk around 3105 Duchess Ln is moderate, ranking above 52% of the US, with a 0.1% annual chance of 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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