3111 Duchess Ln, Florence, SC 29501 Property Records

Florence County property record for 3111 Duchess Ln, Florence, SC 29501

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,098 sqft · built 2022
Lot Size	0.43 acres (18,731 sqft)
Owner	Individual Name on Record
Last Sale	$508,490 (Jun 2022)
Tax Bill	$2,351 (2025)
Deeds & Mortgages	Jul 2021 Construction Loan Jun 2022 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`00098-01-236`

Property Details

APN / Parcel Number

Primary APN	`00098-01-236`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,098 sqft Living Area
1st Floor Area	2,213 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Conventional
Construction Type	Frame
Lot Area	18,731 sqft (0.43 acres)
Garage Area	336 sqft

Location & Zoning

Street Address	3111 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 57
Legal Lot Number	57
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	Individual Name on Record
Mailing Address	3111 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
Jun 6, 2022	Deed, Subdivision Related Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Jan 28, 2022	Deed, Transfer · Line of Credit THE BANK OF CLARENDON
Feb 15, 2022	Re-recorded Document THE BANK OF CLARENDON
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	Jun 6, 2022 · Amount on Record
Deed Sale	Jun 6, 2022 · Amount on Record
Deed Document Number	20228541
Deed Book / Page	996 / 1607
Prior Transfer Date	Jan 27, 2022
Prior Transfer Doc	0009761025
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLORENCE SC
Property Address	3111 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

June 2022: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	FLORENCE SC
Recording Date	Jun 6, 2022
Property Address	3111 DUCHESS LN, FLORENCE, SC 29501-7596
Document Number	0009961607
Book / Page	996 / 1607
Map Reference	MB 105 PG 28
Instrument Date	Jun 2, 2022
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 5, 2026

Transaction

Amount	Amount Recorded
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
Relationship	Joint Tenants with Right of Survivorship
Address	3111 DUCHESS LN, FLORENCE, SC 29501-7596

Mortgage

Document Number	0009961612
Date	Jun 6, 2022
Book Page	996/1612

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	CONSHOHOCKEN, PA 19428

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

January 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FLORENCE SC
Recording Date	Jan 28, 2022
Property Address	3111 DUCHESS LN, FLORENCE, SC 29501-7596
Document Number	0009730982
Book / Page	973 / 982
Map Reference	MB 105 PG 28
Instrument Date	Jan 27, 2022
Transaction Type	Transfer
Record Updated	Mar 5, 2026

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

Mortgage

Document Number	0000973986
Date	Jan 28, 2022
Instrument	973/986

Lender

Name	THE BANK OF CLARENDON
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

February 2022: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	FLORENCE SC
Recording Date	Feb 15, 2022
Property Address	3111 DUCHESS LN, FLORENCE, SC 29501-7596
Document Number	0009761025
Book / Page	976 / 1025
Map Reference	MB 105 PG 28
Instrument Date	Jan 27, 2022
Record Updated	Mar 5, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

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	0009761030
Date	Feb 15, 2022
Instrument	976/1030

Lender

Name	THE BANK OF CLARENDON
Type	Bank

Agreement

Amount	Amount Recorded

December 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	FLORENCE SC
Recording Date	Dec 12, 2019
Property Address	3111 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 Recorded
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	3111 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 Recorded
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	3111 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	$2,351.00 (+722.03%)	$20,416 (-99.9%) Land $2,800 Building $17,616	$510,412 (-98.96%) Land $70,000 Building $440,412
2023	$286.00 (-9.21%) Homeowner's exemption	$19,576,345 (+699,055.18%) Land $2,800,000 Building $16,776,345	$48,940,863 (+69,815.52%) Land $7,000,000 Building $41,940,863
2022	$315.00 Homeowner's exemption	$2,800 Land $2,800	$70,000 Land $70,000

Assessed value is set for property tax purposes, not a market price estimate; it is 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

Nearby Properties on Duchess Ln

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