1317 Shore Rd, Gilbert, SC 29054 Property Records

Lexington County property record for 1317 Shore Rd, Gilbert, SC 29054

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,355 sqft · built 2016
Lot Size	0.47 acres (20,473 sqft)
Owner	2 Individual Names on File
Last Sale	$854,250 (May 2026)
Tax Bill	$3,317 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Aug 2025 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`002322-01-031`

Property Details

APN / Parcel Number

Primary APN	`002322-01-031`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,355 sqft Living Area

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Aluminum/Vinyl
Lot Area	20,473 sqft (0.47 acres)
View / Lot	Waterfront / Beach

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1317 SHORE RD
City	GILBERT
State	SC
Zip	29054-9170
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	LEXINGTON SC
Township / Civil Division	GILBERT
Census Block Group	3
Census Block	3010
Census Tract	21303

Owner

1317 Shore Rd is owned and occupied by two individuals who bought it in May 2026.

Source: Lexington County records, as of October 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1317 SHORE RD, GILBERT, SC 29054-9170
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
Sep 30, 2026	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Aug 26, 2025	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
May 1, 2026	Warranty Deed, Transfer · Conventional Mortgage NONE LISTED ON DOCUMENT
Aug 7, 2020	Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Nov 19, 2019	Deed of Trust, Mortgage · Line of Credit SOUTHERN FIRST BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2026 · Amount on File
Deed Sale	May 1, 2026 · Amount on File
Prior Sale	Aug 7, 2020 · Amount on File
Deed Document Number	202617705
Deed Book / Page	21219 / 2920
Prior Transfer Date	Jun 1, 2016
Prior Transfer Doc	1841600001
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEXINGTON SC
Recording Date	Sep 30, 2026
Property Address	1317 SHORE RD, GILBERT, SC 29054-9170
Document Number	0000040607
Book / Page	21246 / 1780
Instrument Date	Sep 23, 2026
Instrument	202640607
Transaction Type	Mortgage
Record Updated	Oct 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1317 SHORE RD, GILBERT, SC 29054-9170
Investor	Possibly a Property Investor

Mortgage

Document Number	0000040607,
Date	Sep 30, 2026
Book Page	21246/1780
Instrument	202640607

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2041

Interest

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

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEXINGTON SC
Property Address	1317 SHORE RD, GILBERT, SC 29054-9170
Transaction Type	Mortgage
Record Updated	Jun 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1317 SHORE RD, GILBERT, SC 29054-9170

Mortgage

Document Number	2117704215
Date	Aug 26, 2025
Book Page	21177/4215
Instrument	2025032690

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Aug 21, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEXINGTON SC
Recording Date	May 1, 2026
Property Address	1317 SHORE RD, GILBERT, SC 29054-9170
Document Number	0000017705
Book / Page	21219 / 2920
Instrument Date	Apr 30, 2026
Instrument	2026.17705
Transaction Type	Transfer
Record Updated	May 19, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$224,326.05
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1317 SHORE RD, GILBERT, SC 29054-9170
Investor	Possibly a Property Investor

Mortgage

Document Number	0000017706,
Date	May 1, 2026
Book Page	21219/2924
Instrument	2026.17706

Lender

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

August 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	LEXINGTON SC
Recording Date	Aug 7, 2020
Property Address	1317 SHORE RD, GILBERT, SC 29054-9170
Document Number	2088603603
Book / Page	20886 / 3603
Instrument Date	Jul 31, 2020
Instrument	2020034852
Transaction Type	Transfer
Record Updated	Feb 22, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,164.50
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1317 SHORE RD, GILBERT, SC 29054-9170

Mortgage

Document Number	2020034853
Date	Aug 7, 2020
Instrument	2020034853

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEXINGTON SC
Property Address	1317 SHORE RD, GILBERT, SC 29054-9170
Document Number	2084602109
Instrument Date	Nov 19, 2019
Transaction Type	Mortgage
Record Updated	Dec 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1317 SHORE RD GILBERT SC 290549170, GILBERT, SC 29054-9170

Mortgage

Document Number	2084602109
Date	Nov 25, 2019
Book Page	020846/002109
Instrument	54061

Lender

Name	SOUTHERN FIRST BK NA
Type	Bank
Address	CAYCE, SC 29033

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Nov 24, 2029

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1317 Shore Rd was $3,317, down 5.1% from the year before.

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	$3,317.00 (-5.07%)	$23,400 (-) Land $5,280 Building $18,120
2024	$3,494.00 (+4.45%)	$23,400 (-) Land $5,280 Building $18,120	$585,000 (-) Land $132,000 Building $453,000
2023	$3,345.00	$23,400 Land $5,280 Building $18,120	$585,000 Land $132,000 Building $453,000

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 1317 Shore Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 1317 Shore Rd is low, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · lower than 89% of South Carolina
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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 52 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Shore Rd

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