Lexington County property record for 1576 Spence Rd, Lexington, SC 29072
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 3,770 sqft · built 2017 |
| Lot Size | 0.73 acres (31,799 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $6,438 (2025) |
| Deeds & Mortgages | Dec 2022 Line of Credit Mar 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 002500-03-009 |
| Primary APN | 002500-03-009 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Units | 660 Units |
| Stories | 1 Story |
| Building Area | 3,770 sqft Living Area |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Brick Veneer |
| Construction Type | Brick |
| Lot Area | 31,799 sqft (0.73 acres) |
| View / Lot | Waterfront / Beach |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 1576 SPENCE RD |
|---|---|
| City | LEXINGTON |
| State | SC |
| Zip | 29072-8247 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RD |
| Legal Description | SPENCES ISLAND SD LOT 8 .73 AC |
| Legal Subdivision | SPENCES ISLAND SUBDIVISION |
| Legal Lot Number | 8 |
| Jurisdiction | LEXINGTON SC |
| Township / Civil Division | LEXINGTON |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 21025 |
1576 Spence Rd is owner-occupied and held in a trust since November 2024.
Source: Lexington County records, as of June 23, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 1576 SPENCE RD, LEXINGTON, SC 29072-8247 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
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 |
|---|---|
| Dec 13, 2022 | Deed of Trust, Mortgage · Line of Credit FIRST HORIZON BANK |
| Mar 11, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SOUTHERN FIRST BANK NA |
| Dec 6, 2017 | Deed of Trust, Mortgage SOUTHERN FIRST BK NA |
| Feb 8, 2017 | Trustee's Deed, Construction Loan · Line of Credit SOUTHERN FIRST BK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Nov 25, 2024 |
| Transfer Doc | 2113505314 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LEXINGTON SC |
| Property Address | 1576 SPENCE RD, LEXINGTON, SC 29072-8247 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 2103800630 |
|---|---|
| Date | Dec 13, 2022 |
| Book Page | 21038/630 |
| Instrument | 2022053334 |
| Name | FIRST HORIZON BANK |
|---|---|
| Type | Bank |
| Address | COLUMBIA, SC 29201 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 10, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LEXINGTON SC |
| Property Address | 1576 SPENCE RD, LEXINGTON, SC 29072-8247 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2092703375 |
|---|---|
| Date | Mar 11, 2021 |
| Book Page | 20927/3375 |
| Instrument | 2021012772 |
| Name | SOUTHERN FIRST BANK NA |
|---|---|
| Type | Bank |
| Address | CAYCE, SC 29033 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LEXINGTON SC |
| Property Address | 1576 SPENCE RD, LEXINGTON, SC 29072-8247 |
| Document Number | 1968300153 |
| Book / Page | 019683 / 000153 |
| Instrument Date | Dec 6, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2018 |
| Name | Verified Name |
|---|---|
| Address | 1576 SPENCE RD LEXINGTON SC 290728247, LEXINGTON, SC 29072-8247 |
| Document Number | 1968300153 |
|---|---|
| Date | Dec 12, 2017 |
| Book Page | 019683/000153 |
| Instrument | 58490 |
| Name | SOUTHERN FIRST BK NA |
|---|---|
| Type | Bank |
| Address | CAYCE, SC 29033 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Dec 11, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | LEXINGTON SC |
| Recording Date | Feb 8, 2017 |
| Property Address | 1576 SPENCE RD, LEXINGTON, SC 29072-8247 |
| Book / Page | 018993 / 000262 |
| Instrument Date | Feb 3, 2017 |
| Instrument | 6196 |
| Transaction Type | Construction Loan |
| Record Updated | Feb 22, 2017 |
| Name | Verified Name |
|---|---|
| Address | 808 KIMSEY DR CHAPIN SC 290367131, CHAPIN, SC 29036-7131 |
| Document Number | 1899300262 |
|---|---|
| Date | Feb 8, 2017 |
| Book Page | 018993/000262 |
| Instrument | 6196 |
| Name | SOUTHERN FIRST BK NA |
|---|---|
| Type | Bank |
| Address | CAYCE, SC 29033 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Feb 7, 2018 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 1576 Spence Rd was $6,438, up 9.2% 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 | $6,438.00 (+9.19%) | $39,484 (-) Land $19,800 Building $19,684 | |
| 2024 | $5,896.00 (+11.43%) | $39,484 (+6.69%) Land $19,800 Building $19,684 | $987,118 (+6.69%) Land $495,000 Building $492,118 |
| 2023 | $5,291.00 | $37,007 Land $19,800 Building $17,207 | $925,182 Land $495,000 Building $430,182 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1576 Spence 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 24 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 24 in force |
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 risk around 1576 Spence Rd is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 98.6% of South Carolina |
|---|---|
| Wildfire Likelihood | Under 0.01% 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 7 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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