3108 Duchess Ln, Florence, SC 29501 Property Records

Florence County property record for 3108 Duchess Ln, Florence, SC 29501

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,061 sqft · built 2018
Lot Size	0.41 acres (17,860 sqft)
Owner	Individual Name on File
Last Sale	$470,000 (May 2021)
Tax Bill	$2,338 (2025)
Deeds & Mortgages	Jul 2021 Construction Loan Jul 2021 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`00098-01-244`

Property Details

APN / Parcel Number

Primary APN	`00098-01-244`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,061 sqft Living Area
1st Floor Area	2,041 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
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	3108 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 65
Legal Subdivision	KINGS GATE SUBDIVISION
Legal Lot Number	65
Jurisdiction	FLORENCE SC
Township / Civil Division	FLORENCE
Census Block Group	2
Census Block	2021
Census Tract	101

Owner

3108 Duchess Ln is owned and occupied by an individual who bought it in May 2021.

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 File
Mailing Address	3108 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
May 3, 2021	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Dec 4, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Oct 18, 2019	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Dec 7, 2018	Grant Deed, Subdivision Related Transfer · VA Mortgage CARDINAL FIN'L
Mar 12, 2018	Deed, Construction Loan · Construction Mortgage DEDICATED COMMUNITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 3, 2021 · Amount on File
Deed Sale	May 3, 2021 · Amount on File
Prior Sale	Dec 7, 2018 · Amount on File
Deed Book / Page	919 / 985
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLORENCE SC
Property Address	3108 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	3108 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

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLORENCE SC
Recording Date	May 3, 2021
Property Address	3108 DUCHESS LN, FLORENCE, SC 29501-7596
Document Number	0009190985
Book / Page	919 / 985
Map Reference	MB 106 PG 1163
Instrument Date	Apr 30, 2021
Transaction Type	Transfer
Record Updated	Mar 5, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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	3108 DUCHESS LN, FLORENCE, SC 29501-7596

Mortgage

Document Number	0009190990
Date	May 3, 2021
Book Page	919/990

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLORENCE SC
Property Address	3108 DUCHESS LN, FLORENCE, SC 29501-7596
Document Number	0000001339
Instrument Date	Dec 4, 2020
Transaction Type	Mortgage
Record Updated	Mar 4, 2021
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3108 DUCHESS LN FLORENCE SC 295017596, FLORENCE, SC 29501-7596

Mortgage

Document Number	0000001339
Date	Jan 25, 2021
Book Page	000899/000669
Instrument	1339

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 24, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLORENCE SC
Property Address	3108 DUCHESS LN, FLORENCE, SC 29501-7596
Document Number	0000016184
Instrument Date	Oct 18, 2019
Transaction Type	Mortgage
Record Updated	Nov 21, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3108 DUCHESS LN FLORENCE SC 295017596, FLORENCE, SC 29501-7596

Mortgage

Document Number	0000016184
Date	Nov 1, 2019
Book Page	000823/001533
Instrument	16184

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 31, 2049

December 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	FLORENCE SC
Recording Date	Dec 7, 2018
Property Address	3108 DUCHESS LN, FLORENCE, SC 29501-7596
Document Number	0000016372
Book / Page	000774 / 001967
Instrument Date	Dec 7, 2018
Instrument	16372
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 21, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,594.70
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	3108 DUCHESS LN FLORENCE SC 295017596, FLORENCE, SC 29501-7596

Mortgage

Document Number	16373
Date	Dec 7, 2018
Book Page	000774/001971
Instrument	16373

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 6, 2048

March 2018: Deed, Construction Loan

Document Type	Deed
Jurisdiction	FLORENCE SC
Recording Date	Mar 12, 2018
Property Address	3108 DUCHESS LN, FLORENCE, SC 29501-7596
Document Number	0007361147
Book / Page	736 / 1147
Map Reference	MB104 PG356
Instrument Date	Mar 9, 2018
Transaction Type	Construction Loan
Record Updated	Mar 31, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 4521, FLORENCE, SC 29502-4521
Investor	Possibly a Property Investor

Mortgage

Document Number	0007361151
Date	Mar 12, 2018
Instrument	736/1151

Lender

Name	DEDICATED COMMUNITY BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3108 Duchess Ln was $2,338.

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	$2,338.00	$20,295 Land $2,800 Building $17,495	$507,392 Land $70,000 Building $437,392
2023	$2,131.00 (+2.55%) Homeowner's exemption	$18,938,748 (+102,710.64%) Land $2,800,000 Building $16,138,748	$47,346,870 (+10,180.89%) Land $7,000,000 Building $40,346,870
2022	$2,078.00 Homeowner's exemption	$18,421 Land $2,800 Building $15,621	$460,533 Land $70,000 Building $390,533

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 3108 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 3108 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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