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285 Common Reed Dr, Gilbert, SC 29054 Property Records

Lexington County property record for 285 Common Reed Dr, Gilbert, SC 29054

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,594 sqft · built 2020
Lot Size0.16 acres (6,970 sqft)
Owner2 Individual Names on Record
Last Sale$190,900 (Oct 2020)
Tax Bill$1,271 (2025)
Deeds & MortgagesJul 2026 Mortgage
Mar 2024 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN005116-01-039

Property Details

APN / Parcel Number

Primary APN005116-01-039

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,594 sqft Living Area

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2020
Exterior MaterialAluminum/Vinyl
Lot Area6,970 sqft (0.16 acres)

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Street Address285 COMMON REED DR
CityGILBERT
StateSC
Zip29054-8626
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionFINLAY FARMS PH 1ALOT 39
Legal SubdivisionFINLAY FARMS
Legal Lot Number39
JurisdictionLEXINGTON SC
Township / Civil DivisionGILBERT
Census Block Group1
Census Block1003
Census Tract21306

Owner

Source: Lexington County records, as of July 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address285 COMMON REED DR, GILBERT, SC 29054-8626
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 6, 2026Deed of Trust, Mortgage · FHA Mortgage
NONE LISTED ON DOCUMENT
Mar 18, 2024Deed of Trust, Mortgage · FHA Mortgage
LOANDEPOT.COM LLC
Oct 7, 2020Deed, Subdivision Related Transfer · FHA Mortgage
LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 7, 2020 · Amount on Record
Deed SaleOct 7, 2020 · Amount on Record
Deed Document Number202045985
Deed Book / Page20898 / 1116
Record UpdatedSep 20, 2026

July 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLEXINGTON SC
Recording DateJul 6, 2026
Property Address285 COMMON REED DR, GILBERT, SC 29054-8626
Document Number0000027633
Book / Page21231 / 2021
Instrument DateJun 26, 2026
Instrument202627633
Transaction TypeMortgage
Record UpdatedJul 21, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address285 COMMON REED DR, GILBERT, SC 29054-8626

Mortgage

Document Number0000027633,
DateJul 6, 2026
Book Page21231/2021
Instrument202627633
Lender
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term292 Months
DueNov 1, 2050
Interest
Rate6.53%
Max Rate-1%

March 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLEXINGTON SC
Property Address285 COMMON REED DR, GILBERT, SC 29054-8626
Transaction TypeMortgage
Record UpdatedApr 1, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address285 COMMON REED DR, GILBERT, SC 29054-8626

Mortgage

Document Number2109705209
DateMar 18, 2024
Book Page21097/5209
Instrument2024009104
Lender
NameLOANDEPOT.COM LLC
TypeMortgage Company
AddressMADISON HEIGHTS, MI 48071
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term320 Months
DueNov 1, 2050

October 2020: Deed, Subdivision Related Transfer

Document TypeDeed
JurisdictionLEXINGTON SC
Recording DateOct 7, 2020
Property Address285 COMMON REED DR, GILBERT, SC 29054-8626
Document Number2089801116
Book / Page20898 / 1116
Map ReferenceMB 20823 PG2993&2994
Instrument DateOct 7, 2020
Instrument2020045985
Transaction TypeSubdivision Related Transfer
Record UpdatedAug 19, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$706.70
Amount AccuracyVerified / From Affidavit
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants in Common
Address285 COMMON REED DR, GILBERT, SC 29054-8626

Mortgage

Document Number2020045986
DateOct 7, 2020
Instrument2020045986
Lender
NameLOANDEPOT.COM LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueNov 1, 2050

Tax Assessment & Valuation

Source: Lexington County assessment roll, as of June 23, 2026

Property Jurisdictions

TypeName
StateSouth Carolina
CountyLexington County
Unified School DistrictLexington School District 1 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,271.00 (+9.19%)
2024$1,164.00 (+7.18%)$7,804 (+2.68%) Land $1,600 Building $6,204$195,088 (+2.68%) Land $40,000 Building $155,088
2023$1,086.00$7,600 Land $1,600 Building $6,000$190,000 Land $40,000 Building $150,000

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

Source: FEMA National Flood Hazard Layer, effective September 10, 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire RiskLow
lower than 80% of the US · lower than 96% of South Carolina
Wildfire Likelihood0.04% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 195 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Comporium
Fiber		5,000 / 5,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

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