3198 Conservancy Ln, Charleston, SC 29414 Property Records

Charleston County property record for 3198 Conservancy Ln, Charleston, SC 29414

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,870 sqft · built 2012
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on File
Last Sale	$530,000 (Aug 2025)
Tax Bill	$1,699 (2025)
Deeds & Mortgages	Sep 2025 Mortgage
Flood Zone	Zone AE (high risk)
APN	`307-05-00-830`

Property Details

APN / Parcel Number

Primary APN	`307-05-00-830`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,870 sqft Living Area
1st Floor Area	1,597 sqft
Upper Floors Area	273 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Bungalow
Exterior Material	Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	6,970 sqft (0.16 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	268 sqft
Patio Area	144 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Gas

Location & Zoning

Street Address	3198 CONSERVANCY LN
City	CHARLESTON
State	SC
Zip	29414-8111
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAPPLATB L12 MAPPLATP 0071 SUBDIVISIONNAME RICEFIELD OF CAROLINA BAY PHASE 6B LOT CBCS265
Legal Subdivision	RICEFIELD
Legal Phase	6B
Jurisdiction	CHARLESTON SC
Township / Civil Division	WEST ASHLEY
Census Block Group	3
Census Block	3027
Census Tract	5601

Owner

3198 Conservancy Ln is owned and occupied by two individuals who bought it in August 2025.

Source: Charleston County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3198 CONSERVANCY LN, CHARLESTON, SC 29414-8111
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 6, 2025 · Amount on File
Deed Sale	Aug 6, 2025 · Amount on File
Prior Sale	Nov 1, 2013 · Amount on File
Deed Document Number	2025
Deed Book / Page	1329 / 975
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	3198 CONSERVANCY LN, CHARLESTON, SC 29414-8111
Transaction Type	Mortgage
Record Updated	Oct 6, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1235 ASHLEY GARDEN BLVD 1118, 1118, CHARLESTON, SC 29414-9213

Mortgage

Document Number	0013380288
Date	Sep 16, 2025
Book Page	1338/288

Lender

Name	DIRECT MORTGAGE LOANS LLC
Type	Mortgage Company
Address	HUNT VALLEY, MD 21031

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 3198 Conservancy Ln was $1,699, down 64.1% from the year before.

Source: Charleston County assessment roll, as of August 1, 2025

Property Jurisdictions

Type	Name
State	South Carolina
County	Charleston County
Municipality	Charleston City
Unified School District	Charleston County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,699.00 (-64.06%)	$309,465 (+1,817.38%) Land $66,344 Building $243,121	$477,500 Land $102,600 Building $374,900
2024	$4,727.00	$16,140
2022	$4,360.00	$16,140	$297,600 Land $63,800 Building $233,800
2020			$297,600 Land $63,800 Building $233,800

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 3198 Conservancy Ln in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 9, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	9.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 688 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	688 in force
Nearby Flood Claims	7 (2015–2022)
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 3 claims

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 3198 Conservancy Ln is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 96% of South Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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	CHARLESTON WATER SYSTEM serves 278,771 people · EPA ID SC1010001
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	4 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jul 2025
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 205 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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