646 Windward Ln, Duncan, SC 29334 Property Records

Spartanburg County property record for 646 Windward Ln, Duncan, SC 29334

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,598 sqft · built 2017
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$255,160 (Mar 2017)
Tax Bill	$2,132 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Jan 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`5-3100-03871`

Property Details

APN / Parcel Number

Primary APN	`5-3100-03871`
Alternative APN	`178901`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,598 sqft Living Area
Gross Area	3,406 sqft
Upper Floors Area	1,544 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Exterior Material	Stone
Construction Type	Stone
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,970 sqft (0.16 acres)
Garage Type	Attached
Garage Area	440 sqft
Porch	Porch
Porch Area	248 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	178901
Street Address	646 WINDWARD LN
City	DUNCAN
State	SC
Zip	29334-8104
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 109 RAINWATER PH 1 SUB PB 170-94 & 117 PB 172-99
Legal Subdivision	RAINWATER PH 1 SUB
Legal Phase	1
Legal Lot Number	109
Jurisdiction	SPARTANBURG SC
Township / Civil Division	FAIRMONT MILLS
Census Block Group	2
Census Block	2000
Census Tract	23406

Owner

Source: Spartanburg County records, as of November 24, 2025

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
Co-owner	Co-owner on Record
Mailing Address	646 WINDWARD LN, DUNCAN, SC 29334-8104
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2021	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jan 31, 2023	Quit Claim Deed, Transfer Quitclaim
Mar 14, 2017	Deed, Transfer · VA Mortgage NVR MORTGAGE FINANCE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 14, 2017 · Amount on Record
Deed Sale	Mar 14, 2017 · Amount on Record
Prior Sale	Jan 31, 2023
Deed Document Number	0000011194
Deed Book / Page	115-B / 0500
Last Transfer Date	Dec 19, 2024
Transfer Doc	0000051014
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPARTANBURG SC
Property Address	646 WINDWARD LN, DUNCAN, SC 29334-8104
Transaction Type	Mortgage
Record Updated	Aug 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010197
Date	Feb 25, 2021
Book Page	6025/500
Instrument	2021-10197

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

January 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPARTANBURG SC
Recording Date	Jan 31, 2023
Property Address	646 WINDWARD LN, DUNCAN, SC 29334-8104
Document Number	0000003725
Book / Page	140-Q / 357
Map Reference	MB 172 PG 99
Instrument Date	May 25, 2022
Instrument	2023-03725
Transaction Type	Transfer
Record Updated	Feb 10, 2023

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	646 WINDWARD LN, DUNCAN, SC 29334-8104

March 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	SPARTANBURG SC
Recording Date	Mar 14, 2017
Property Address	646 WINDWARD LN, DUNCAN, SC 29334-8104
Document Number	0000011194
Book / Page	115-B / 0500
Map Reference	MB172 PG99
Instrument Date	Mar 10, 2017
Instrument	2017-11194
Transaction Type	Transfer
Record Updated	Aug 31, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$945.35
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	646 WINDWARD LN, DUNCAN, SC 29334-8104

Mortgage

Document Number	0000011195
Date	Mar 14, 2017
Instrument	2017-11195

Lender

Name	NVR MORTGAGE FINANCE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

Source: Spartanburg County assessment roll, as of September 13, 2025

Property Jurisdictions

Type	Name
State	South Carolina
County	Spartanburg County
Unified School District	Spartanburg School District 5 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,132.00 (+16.57%)	$13,696 (+16.67%) Land $1,980 Building $11,716	$342,400 (-) Land $49,500 Building $292,900
2024	$1,829.00 (-0.22%)
2023	$1,833.00	$11,739 Land $1,697 Building $10,042	$342,400 Land $49,500 Building $292,900

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 October 2, 2022

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

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	0.03% 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	SJWD MIDDLE TYGER WTP serves 89,531 people · EPA ID SC4220006
Water Source	Surface water
Last State Inspection	Mar 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 84 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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