1304 Rock Island Rd, Gilbert, SC 29054 Property Records

Lexington County property record for 1304 Rock Island Rd, Gilbert, SC 29054

Property Summary

Property Type	Other Improved
Lot Size	1.86 acres (81,109 sqft)
Owner	2 Individual Names on Record
Last Sale	$448,000 (Dec 2025)
Tax Bill	$945 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Apr 2026 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`002321-03-009`

Property Details

APN / Parcel Number

Primary APN	`002321-03-009`
Alternative APN	`0232103009`

Exterior

Lot Area	81,109 sqft (1.86 acres)
View / Lot	Waterfront / Beach

Location & Zoning

Street Address	1304 ROCK ISLAND RD
City	GILBERT
State	SC
Zip	29054
Property Category	Other
Property Type	Other > Other Improved
Local Zoning Code	RD
Legal Description	LOT 5
Legal Subdivision	COLLINGWOOD JR R3 FOR MILFORD SEAS
Legal Lot Number	5
Jurisdiction	LEXINGTON SC
Township / Civil Division	GILBERT
Census Block Group	3
Census Block	3010
Census Tract	21303

Owner

Source: Lexington County records, as of June 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1304 ROCK ISLAND RD, GILBERT, SC 29054
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 9, 2026	Deed of Trust, Mortgage · Line of Credit FIRST RELIANCE BANK
Apr 17, 2026	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
Dec 23, 2025	Warranty Deed, Transfer
Apr 7, 2022	Deed of Trust, Mortgage GROW FINANCIAL FCU
Jul 6, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 2025 · Amount on Record
Deed Sale	Dec 23, 2025 · Amount on Record
Prior Sale	Jul 6, 2020 · Amount on Record
Deed Document Number	202550128
Deed Book / Page	21197 / 5185
Prior Transfer Date	May 14, 2015
Prior Transfer Doc	1765500144
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEXINGTON SC
Recording Date	Jul 9, 2026
Property Address	1304 ROCK ISLAND RD, GILBERT, SC 29054
Document Number	0000028219
Book / Page	21232 / 18
Instrument Date	Jul 7, 2026
Instrument	202628219
Transaction Type	Mortgage
Record Updated	Jul 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1232 CROOKED RD, GILBERT, SC 29054-9450

Mortgage

Document Number	0000028219,
Date	Jul 9, 2026
Book Page	21232/18
Instrument	202628219

Lender

Name	FIRST RELIANCE BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.52%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEXINGTON SC
Recording Date	Apr 17, 2026
Property Address	1304 ROCK ISLAND RD, GILBERT, SC 29054
Document Number	0000015337
Book / Page	21216 / 5067
Instrument Date	Apr 13, 2026
Instrument	202615337
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1232 CROOKED RD, GILBERT, SC 29054-9450

Mortgage

Document Number	0000015337,
Date	Apr 17, 2026
Book Page	21216/5067
Instrument	202615337

Lender

Name	REGIONS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEXINGTON SC
Recording Date	Dec 23, 2025
Property Address	1304 ROCK ISLAND RD, GILBERT, SC 29054
Document Number	2119705185
Book / Page	21197 / 5185
Instrument Date	Dec 22, 2025
Instrument	2025050128
Transaction Type	Transfer
Record Updated	Jan 7, 2026

Transaction

Amount	Amount Recorded
Tax	$1,164.80
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	1304 ROCK ISLAND RD, GILBERT, SC 29054

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEXINGTON SC
Property Address	1304 ROCK ISLAND RD, GILBERT, SC 29054-9627
Transaction Type	Mortgage
Record Updated	Nov 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2100200208
Date	Apr 7, 2022
Book Page	21002/208
Instrument	2022016151

Lender

Name	GROW FINANCIAL FCU
Type	Credit Union
Address	TAMPA, FL 33619

Agreement

Amount	Amount Recorded
Term	241 Months
Due	May 1, 2042

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEXINGTON SC
Recording Date	Jul 6, 2020
Property Address	1305 ROCK ISLAND RD, GILBERT, SC 29054-8821
Document Number	2088000905
Book / Page	020880 / 000905
Instrument Date	Jun 29, 2020
Instrument	28449
Transaction Type	Transfer
Record Updated	Sep 3, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$500.00
Amount Accuracy	Confirmed
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	1305 ROCK ISLAND RD GILBERT SC 290548821, GILBERT, SC 29054-8821

Tax Assessment & Valuation

Source: Lexington County assessment roll, as of June 23, 2026

Property Jurisdictions

Type	Name
State	South Carolina
County	Lexington County
Unified School District	Lexington School District 1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$945.00 (+9.25%)	$5,803 (-) Land $5,400 Building $403
2024	$865.00 (+4.34%)	$5,803 (+7.46%) Land $5,400 Building $403	$145,080 (+7.47%) Land $135,000 Building $10,080
2023	$829.00	$5,400 Land $5,400	$135,000 Land $135,000

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 September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 36 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	36 in force
Nearby Flood Claims	1 (2015)
Most Recent Claim	Oct 2015 · Severe Storms And Flooding

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	Low lower than 62% of the US · lower than 87% of South Carolina
Wildfire Likelihood	0.06% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 37 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
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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