1364 Misty Ln, Gilbert, SC 29054 Property Records

Lexington County property record for 1364 Misty Ln, Gilbert, SC 29054

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,832 sqft · built 2019
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Tax Bill	$3,401 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Mar 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`002319-04-031`

Property Details

APN / Parcel Number

Primary APN	`002319-04-031`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,832 sqft Living Area

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Fiber Cement Siding
Lot Area	10,019 sqft (0.23 acres)
View / Lot	Waterfront / Beach

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1364 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 55
Legal Lot Number	55
Jurisdiction	LEXINGTON SC
Township / Civil Division	GILBERT
Census Block Group	2
Census Block	2000
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	Individual Name on Record
Mailing Address	1364 MISTY LN, GILBERT, SC 29054-9620
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2025	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Mar 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Apr 10, 2018	Deed of Trust, Mortgage · Construction Mortgage FIRST CITIZENS BANK & TRUST CO
Oct 15, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO
Mar 18, 2019	Loan Modification, Mortgage FIRST CITIZENS BK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEXINGTON SC
Property Address	1364 MISTY LN, GILBERT, SC 29054-9620
Transaction Type	Mortgage
Record Updated	Nov 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1364 MISTY LN, GILBERT, SC 29054-9620

Mortgage

Document Number	2118902072
Date	Nov 4, 2025
Book Page	21189/2072
Instrument	2025043197

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Oct 28, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEXINGTON SC
Property Address	1364 MISTY LN, GILBERT, SC 29054-9620
Transaction Type	Mortgage
Record Updated	Mar 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2099701809
Date	Mar 14, 2022
Book Page	20997/1809
Instrument	2022011524

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEXINGTON SC
Property Address	1364 MISTY LN, GILBERT, SC 29054-9620
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1992700338
Date	Apr 10, 2018
Book Page	19927/338
Instrument	2018015520

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	COLUMBIA, SC 29211

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2023
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	6.12%
Index	1-Year LIBOR
Max Rate	9.12%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEXINGTON SC
Property Address	1364 MISTY LN, GILBERT, SC 29054-9620
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2083905215
Date	Oct 15, 2019
Book Page	20839/5215
Instrument	2019046816

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	COLUMBIA, SC 29211

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

March 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LEXINGTON SC
Property Address	1364 MISTY LN, GILBERT, SC 29054-9620
Document Number	2071200005
Instrument Date	Mar 18, 2019
Transaction Type	Mortgage
Record Updated	Apr 29, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1364 MISTY LN GILBERT SC 290549620, GILBERT, SC 29054-9620

Mortgage

Document Number	2071200005
Date	Apr 8, 2019
Book Page	020712/000005
Instrument	14727

Lender

Name	FIRST CITIZENS BK
Type	Bank
Address	COLUMBIA, SC 29201

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 7, 2049

Interest

Rate Type	Fixed Rate
Rate	4.75%

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 3 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,401.00 (+9.18%)
2024	$3,115.00 (+4.46%)	$20,857 (-) Land $7,098 Building $13,759	$521,407 (-) Land $177,448 Building $343,959
2023	$2,982.00	$20,857 Land $7,098 Building $13,759	$521,407 Land $177,448 Building $343,959

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 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 Record 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

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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