3115 Duchess Ln, Florence, SC 29501 Property Records

Florence County property record for 3115 Duchess Ln, Florence, SC 29501

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,068 sqft · built 2023
Owner	2 Individual Names on File
Last Sale	$589,900 (Jan 2025)
Tax Bill	$2,595 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Jan 2025 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`00098-01-380`

Property Details

APN / Parcel Number

Primary APN	`00098-01-380`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,068 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Construction Type	Frame

Location & Zoning

Street Address	3115 DUCHESS LN
City	FLORENCE
State	SC
Zip	29501-7596
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KINGS GATE PH 4 L 57
Legal Lot Number	57
Jurisdiction	FLORENCE SC
Township / Civil Division	FLORENCE
Census Block Group	2
Census Block	2021
Census Tract	101

Owner

3115 Duchess Ln is owned and occupied by two individuals who bought it in January 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	3115 DUCHESS LN, FLORENCE, SC 29501-7596
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Feb 20, 2026	Deed of Trust, Mortgage · Conventional Mortgage SAGE HOME LOANS CORP
Jan 31, 2025	Warranty Deed, Subdivision Related Transfer · Line of Credit FIRST RELIANCE BANK
Dec 27, 2023	Quit Claim Deed, Transfer · Construction Mortgage CAROLINA BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 31, 2025 · Amount on File
Deed Sale	Jan 31, 2025 · Amount on File
Deed Document Number	20251261
Deed Book / Page	1140 / 375
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLORENCE SC
Property Address	3115 DUCHESS LN, FLORENCE, SC 29501-7596
Transaction Type	Mortgage
Record Updated	Mar 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3115 DUCHESS LN, FLORENCE, SC 29501-7596

Mortgage

Document Number	DMA12010238
Date	Feb 20, 2026
Book Page	DMA1201/238
Instrument	2026002301

Lender

Name	SAGE HOME LOANS CORP
Type	Mortgage Company
Address	1423 RED VENTURES DR # 201, FORT MILL, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Mar 1, 2046

January 2025: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	FLORENCE SC
Recording Date	Jan 31, 2025
Property Address	3115 DUCHESS LN, FLORENCE, SC 29501-7596
Document Number	DMA11400375
Book / Page	DMA1140 / 375
Map Reference	MB 108 PG 529
Instrument Date	Jan 30, 2025
Instrument	2025001261
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 5, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,534.00
Amount Accuracy	Full Amount Stated
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	3115 DUCHESS LN, FLORENCE, SC 29501-7596

Mortgage

Document Number	DMA1140380
Date	Jan 31, 2025
Instrument	DMA1140/380

Lender

Name	FIRST RELIANCE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2055

December 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FLORENCE SC
Recording Date	Dec 27, 2023
Property Address	3115 DUCHESS LN, FLORENCE, SC 29501-7596
Document Number	0010810613
Book / Page	1081 / 613
Map Reference	MB 108 PG 529
Instrument Date	Dec 20, 2023
Instrument	2023038382
Transaction Type	Transfer
Record Updated	Mar 5, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

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	2023038383
Date	Dec 27, 2023
Instrument	2023038383

Lender

Name	CAROLINA BANK & TRUST CO
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	18 Months
Due	Jun 20, 2025

Tax Assessment & Valuation

The 2025 property tax bill for 3115 Duchess Ln was $2,595.

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	$2,595.00	$22,543 Land $2,800 Building $19,743	$563,592 Land $70,000 Building $493,592

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 3115 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 3115 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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