25 Downing Cir, Gilbert, SC 29054 Property Records

Lexington County property record for 25 Downing Cir, Gilbert, SC 29054

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,615 sqft · built 2014
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on File
Last Sale	$699,900 (Dec 2021)
Tax Bill	$3,569 (2025)
Deeds & Mortgages	Nov 2019 Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`003115-01-033`

Property Details

APN / Parcel Number

Primary APN	`003115-01-033`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,615 sqft Living Area

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Fiber Cement Siding
Lot Area	9,583 sqft (0.22 acres)
View / Lot	Waterfront / Beach

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	25 DOWNING CIR
City	GILBERT
State	SC
Zip	29054-8483
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD
Legal Description	LAKESIDE RESERVE SD LOT 33
Legal Subdivision	LAKESIDE RESERVE
Legal Lot Number	33
Jurisdiction	LEXINGTON SC
Township / Civil Division	GILBERT
Census Block Group	3
Census Block	3003
Census Tract	21303

Owner

Source: Lexington County assessment roll, 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 File
Mailing Address	25 DOWNING CIR, GILBERT, SC 29054-8483
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Jul 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Dec 6, 2021	Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 6, 2021 · Amount on Record
Deed Sale	Dec 6, 2021 · Amount on Record
Prior Sale	Jan 17, 2014 · Amount on Record
Deed Document Number	202165380
Deed Book / Page	20981 / 2723
Record Updated	Sep 20, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEXINGTON SC
Property Address	25 DOWNING CIR, GILBERT, SC 29054-8483
Transaction Type	Mortgage
Record Updated	Aug 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2084605460
Date	Nov 27, 2019
Book Page	20846/5460
Instrument	2019054655

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

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

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEXINGTON SC
Property Address	25 DOWNING CIR, GILBERT, SC 29054-8483
Transaction Type	Mortgage
Record Updated	Aug 31, 2022
Title Company	CARDINAL FINANCIAL CO LP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2088103595
Date	Jul 13, 2020
Book Page	20881/3595
Instrument	2020029890

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	LEXINGTON SC
Recording Date	Dec 6, 2021
Property Address	25 DOWNING CIR, GILBERT, SC 29054-8483
Document Number	2098102723
Book / Page	20981 / 2723
Map Reference	MB 13259 PG 291
Instrument Date	Dec 2, 2021
Instrument	2021065380
Transaction Type	Transfer
Record Updated	Aug 31, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,820.00
Amount Accuracy	Verified / From Affidavit
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	25 DOWNING CIR, GILBERT, SC 29054-8483

Mortgage

Document Number	2021065381
Date	Dec 6, 2021
Instrument	2021065381

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

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	$3,569.00 (-14.64%)
2024	$4,181.00 (+4.45%)	$27,996 (-) Land $4,800 Building $23,196	$699,900 (-) Land $120,000 Building $579,900
2023	$4,003.00	$27,996 Land $4,800 Building $23,196	$699,900 Land $120,000 Building $579,900

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 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 80% of the US · lower than 96% of South Carolina
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation at the parcel

Internet Providers

Source: FCC Broadband Data Collection, based on 120 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 USA Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Downing Cir

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