Lexington County property record for 1040 Ben Franklin Rd, Gilbert, SC 29054
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2.5 ba · 3,116 sqft · built 2005 |
| Lot Size | 11.8 acres (514,008 sqft) |
| Owner | Individual Name on File |
| Last Sale | $480,000 (Jul 2020) |
| Tax Bill | $2,394 (2025) |
| Deeds & Mortgages | May 2019 Mortgage Jul 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 009500-01-072 |
| Primary APN | 009500-01-072 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 3,116 sqft Living Area |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Brick Veneer |
| Construction Type | Brick |
| Lot Area | 514,008 sqft (11.8 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 1040 BEN FRANKLIN RD |
|---|---|
| City | GILBERT |
| State | SC |
| Zip | 29054-8915 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | RD |
| Legal Subdivision | SADDLE ROCK SUBDIVISION |
| Jurisdiction | LEXINGTON SC |
| Township / Civil Division | GILBERT |
| Census Block Group | 1 |
| Census Block | 1055 |
| Census Tract | 21311 |
1040 Ben Franklin Rd, a rural home, is owned and occupied by an individual who bought it in July 2020.
Source: Lexington County records, as of June 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1040 BEN FRANKLIN RD, GILBERT, SC 29054-8915 |
| 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.
| Date | Document |
|---|---|
| May 17, 2019 | Deed of Trust, Mortgage · Commercial Mortgage FIRST RELIANCE BANK |
| Jul 2, 2020 | Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Aug 4, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 2, 2020 · Amount on File |
| Deed Sale | Jul 2, 2020 · Amount on File |
| Prior Sale | Dec 29, 2010 · Amount on File |
| Deed Document Number | 202027961 |
| Deed Book / Page | 20879 / 4043 |
| Prior Transfer Date | Aug 1, 2017 |
| Prior Transfer Doc | 1939800200 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LEXINGTON SC |
| Property Address | 1040 BEN FRANKLIN RD, GILBERT, SC 29054-8915 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2080300117 |
|---|---|
| Date | May 17, 2019 |
| Book Page | 20803/117 |
| Instrument | 2019021194 |
| Name | FIRST RELIANCE BANK |
|---|---|
| Type | Bank |
| Address | LEXINGTON, SC 29072 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | LEXINGTON SC |
| Recording Date | Jul 2, 2020 |
| Property Address | 1040 BEN FRANKLIN RD, GILBERT, SC 29054-8915 |
| Document Number | 2087904043 |
| Book / Page | 20879 / 4043 |
| Map Reference | MB 20879 PG 1442 |
| Instrument Date | Jul 1, 2020 |
| Instrument | 2020027961 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,776.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1040 BEN FRANKLIN RD, GILBERT, SC 29054-8915 |
| Document Number | 2020027962 |
|---|---|
| Date | Jul 2, 2020 |
| Instrument | 2020027962 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LEXINGTON SC |
| Recording Date | Aug 4, 2017 |
| Property Address | 1040 BEN FRANKLIN RD, GILBERT, SC 29054-8915 |
| Document Number | 1939800200 |
| Book / Page | 019398 / 000200 |
| Instrument Date | Aug 1, 2017 |
| Instrument | 37011 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 1040 BEN FRANKLIN RD GILBERT SC 290548915, GILBERT, SC 29054-8915 |
The 2025 property tax bill for 1040 Ben Franklin Rd was $2,394, up 11.3% from the year before.
Source: Lexington County assessment roll, as of June 23, 2026
| Type | Name |
|---|---|
| State | South Carolina |
| County | Lexington County |
| Unified School District | Lexington School District 1 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,394.00 (+11.35%) | ||
| 2024 | $2,150.00 (+5.29%) | $17,094 (-) Land $259 Building $16,835 | $480,000 (-) Land $59,100 Building $420,900 |
| 2023 | $2,042.00 | $17,094 Land $259 Building $16,835 | $480,000 Land $59,100 Building $420,900 |
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.
FEMA maps place 1040 Ben Franklin Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 10, 2026
| 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 risk around 1040 Ben Franklin Rd is moderate, ranking above 46% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · above 40% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 25 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CarolinaConnect Cooperative Fiber | 8,000 / 8,000 |
| Comporium Fiber | 5,000 / 5,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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