3107 Duchess Ln, Florence, SC 29501 Property Records

Florence County property record for 3107 Duchess Ln, Florence, SC 29501

Property Summary

Property Type	Single Family Home
Details	4 bd · 3,630 sqft · built 2020
Lot Size	0.43 acres (18,731 sqft)
Owner	2 Individual Names on Record
Last Sale	$705,000 (Dec 2025)
Tax Bill	$3,009 (2025)
Deeds & Mortgages	Jul 2021 Line of Credit Jul 2021 Construction Loan + 6 more
Flood Zone	Zone X (minimal risk)
APN	`00098-01-238`

Property Details

APN / Parcel Number

Primary APN	`00098-01-238`

Interior

Bedrooms	4 Beds
Stories	1 Story
Building Area	3,630 sqft Living Area
1st Floor Area	2,420 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	660 sqft

Utilities, Heating & Cooling

Sewer	Municipal

Location & Zoning

Street Address	3107 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 59
Legal Subdivision	KINGS GATE SUBDIVISION
Legal Lot Number	59
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3107 DUCHESS LN, FLORENCE, SC 29501-7596
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
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
Dec 11, 2025	Warranty Deed, Transfer
Oct 25, 2021	Deed, Transfer · Conventional Mortgage FIRST RELIANCE BANK
Feb 7, 2020	Grant Deed, Subdivision Related Transfer · VA Mortgage FAIRWAY INDEPENDENT MTG
Feb 6, 2020	Deed of Trust, Mortgage · VA Mortgage FAIRWAY INDEPENDENT MTG
Aug 16, 2019	Grant Deed, Transfer BANK OF CLARENDON
Dec 28, 2018	Trustee's Deed, Construction Loan · Line of Credit DEDICATED CMNTY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 11, 2025 · Amount on Record
Deed Sale	Dec 11, 2025 · Amount on Record
Prior Sale	Oct 25, 2021 · Amount on Record
Deed Document Number	202516266
Deed Book / Page	1190 / 1008
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLORENCE SC
Property Address	3107 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	3107 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

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLORENCE SC
Recording Date	Dec 11, 2025
Property Address	3107 DUCHESS LN, FLORENCE, SC 29501-7596
Document Number	DMA11901008
Book / Page	DMA1190 / 1008
Map Reference	MB 105 PG 28
Instrument Date	Dec 8, 2025
Instrument	2025016266
Transaction Type	Transfer
Record Updated	Mar 5, 2026

Transaction

Amount	Amount Recorded
Tax	$1,833.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3107 DUCHESS LN, FLORENCE, SC 29501-7596

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FLORENCE SC
Recording Date	Oct 25, 2021
Property Address	3107 DUCHESS LN, FLORENCE, SC 29501-7596
Document Number	0009560157
Book / Page	956 / 157
Map Reference	MB 105 PG 28
Instrument Date	Oct 20, 2021
Transaction Type	Transfer
Record Updated	Mar 5, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,220.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3107 DUCHESS LN, FLORENCE, SC 29501-7596

Mortgage

Document Number	0000956161
Date	Oct 25, 2021
Instrument	956/161

Lender

Name	FIRST RELIANCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

February 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	FLORENCE SC
Recording Date	Feb 7, 2020
Property Address	3107 DUCHESS LN, FLORENCE, SC 29501-7596
Document Number	0000001749
Book / Page	000838 / 000080
Instrument Date	Feb 6, 2020
Instrument	1749
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 3, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,850.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	3107 DUCHESS LN FLORENCE SC 295017596, FLORENCE, SC 29501-7596

Mortgage

Document Number	1750
Date	Feb 7, 2020
Book Page	000838/000084
Instrument	1750

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

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

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLORENCE SC
Property Address	3107 DUCHESS LN, FLORENCE, SC 29501-7596
Document Number	0000001750
Instrument Date	Feb 6, 2020
Transaction Type	Mortgage
Record Updated	Feb 28, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3107 DUCHESS LN #IN FLORENCE SC 295017596, IN, FLORENCE, SC 29501-7596

Mortgage

Document Number	0000001750
Date	Feb 7, 2020
Book Page	000838/000084
Instrument	1750

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

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

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FLORENCE SC
Recording Date	Aug 16, 2019
Property Address	3107 DUCHESS LN, FLORENCE, SC 29501-7596
Document Number	0000011758
Book / Page	000811 / 001712
Instrument Date	Aug 14, 2019
Instrument	11758
Transaction Type	Transfer
Record Updated	Sep 4, 2019
Title Company	ATTORNEY ONLY

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	11759
Date	Aug 16, 2019
Book Page	000811/001716
Instrument	11759

Lender

Name	BANK OF CLARENDON
Type	Bank
Address	MANNING, SC 29102

Agreement

Amount	Amount Recorded

December 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	FLORENCE SC
Recording Date	Dec 28, 2018
Property Address	3107 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	$3,009.00 (+10.3%)	$26,131 (-) Land $2,800 Building $23,331	$653,297 (-) Land $70,000 Building $583,297
2024	$2,728.00 (+1.83%)	$26,131 (-99.89%) Land $2,800 Building $23,331	$653,297 (-98.92%) Land $70,000 Building $583,297
2023	$2,679.00 (+0.53%) Homeowner's exemption	$24,175,682 (+102,269.93%) Land $2,800,000 Building $21,375,682	$60,439,205 (+10,137.13%) Land $7,000,000 Building $53,439,205
2022	$2,665.00 Homeowner's exemption	$23,616 Land $2,800 Building $20,816	$590,392 Land $70,000 Building $520,392

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 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

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