1362 Misty Ln, Gilbert, SC 29054 Property Records

Lexington County property record for 1362 Misty Ln, Gilbert, SC 29054

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,772 sqft · built 2019
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on File
Tax Bill	$3,090 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Apr 2018 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`002319-04-030`

Property Details

APN / Parcel Number

Primary APN	`002319-04-030`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,772 sqft Living Area

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Fiber Cement Siding
Lot Area	11,761 sqft (0.27 acres)
View / Lot	Waterfront / Beach

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1362 MISTY LN
City	GILBERT
State	SC
Zip	29054-9620
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD
Legal Description	LOT 56 (0.27AC)
Legal Lot Number	56
Jurisdiction	LEXINGTON SC
Township / Civil Division	GILBERT
Census Block Group	2
Census Block	2002
Census Tract	21303

Owner

1362 Misty Ln is owned and occupied by an individual.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	1362 MISTY LN, GILBERT, SC 29054-9620
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK AND TRUST COMPANY
Apr 24, 2018	Deed of Trust, Mortgage · Construction Mortgage UNITED COMMUNITY BANK
Jun 4, 2020	Deed of Trust, Mortgage · Line of Credit UNITED CMNTY BK
Mar 20, 2019	Loan Modification, Mortgage UNITED CMNTY BK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEXINGTON SC
Recording Date	Jun 3, 2026
Property Address	1362 MISTY LN, GILBERT, SC 29054-9620
Document Number	0000022739
Book / Page	21225 / 3367
Instrument Date	May 28, 2026
Instrument	202622739
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1362 MISTY LN, GILBERT, SC 29054-9620

Mortgage

Document Number	0000022739,
Date	Jun 3, 2026
Book Page	21225/3367
Instrument	202622739

Lender

Name	FIRST CITIZENS BANK AND TRUST COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 3, 2041

Interest

Rate Type	Fixed Rate
Rate	5.64%
Initial Type	Fixed Rate
Max Rate	-1%

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEXINGTON SC
Property Address	1362 MISTY LN, GILBERT, SC 29054-9620
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1995700178
Date	Apr 24, 2018
Book Page	19957/178
Instrument	2018017674

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	BLAIRSVILLE, GA 30514

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	May 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.37%
Index	1-Year LIBOR
Max Rate	9.37%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEXINGTON SC
Property Address	1362 MISTY LN, GILBERT, SC 29054-9620
Document Number	2087503142
Instrument Date	Jun 4, 2020
Transaction Type	Mortgage
Record Updated	Aug 5, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1362 MISTY LN GILBERT SC 290549620, GILBERT, SC 29054-9620

Mortgage

Document Number	2087503142
Date	Jun 10, 2020
Book Page	020875/003142
Instrument	23750

Lender

Name	UNITED CMNTY BK
Type	Bank
Address	BLAIRSVILLE, GA 30514

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 9, 2050

Interest

Rate Type	Adjustable Rate

March 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LEXINGTON SC
Property Address	1362 MISTY LN, GILBERT, SC 29054-9620
Document Number	2073600085
Instrument Date	Mar 20, 2019
Transaction Type	Mortgage
Record Updated	May 3, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1362 MISTY LN GILBERT SC 290549620, GILBERT, SC 29054-9620

Mortgage

Document Number	2073600085
Date	Apr 18, 2019
Book Page	020736/000085
Instrument	16563

Lender

Name	UNITED CMNTY BK
Type	Bank
Address	BLAIRSVILLE, GA 30514

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 17, 2049

Interest

Rate Type	Fixed Rate
Rate	4.5%

Tax Assessment & Valuation

The 2025 property tax bill for 1362 Misty Ln was $3,090, up 9.2% 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	$3,090.00 (+9.23%)
2024	$2,829.00 (+4.43%)	$18,954 (-) Land $8,548 Building $10,406	$473,839 (-) Land $213,706 Building $260,133
2023	$2,709.00	$18,954 Land $8,548 Building $10,406	$473,839 Land $213,706 Building $260,133

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 1362 Misty Ln 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 38 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	38 in force
Nearby Flood Claims	7 (2015–2024)
Claims Outside the SFHA	2 of 7
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Severe Storms And Flooding, Oct 2015 · 4 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 1362 Misty 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 96% of the US · lower than 98.9% of South Carolina
Wildfire Likelihood	0.02% 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 22 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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