Lexington County property record for 409 Bay Pointe, Lexington, SC 29072
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,879 sqft · built 2014 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $77,000 (May 2012) |
| Tax Bill | $3,487 (2025) |
| Deeds & Mortgages | Oct 2022 Line of Credit Sep 2022 Line of Credit + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 003216-01-018 |
| Primary APN | 003216-01-018 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Stories | 1 Story |
| Building Area | 2,879 sqft Living Area |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Fiber Cement Siding |
| Lot Area | 6,534 sqft (0.15 acres) |
| View / Lot | Waterfront / Beach |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 409 BAY POINTE |
|---|---|
| City | LEXINGTON |
| State | SC |
| Zip | 29072-7182 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RD |
| Legal Description | CHEROKEE SHORES SD LOT 18 .15 AC |
| Legal Subdivision | CHEROKEE SHORES SUBDIVISION |
| Legal Lot Number | 18 |
| Jurisdiction | LEXINGTON SC |
| Township / Civil Division | LEXINGTON |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 21021 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 409 BAY POINTE, LEXINGTON, SC 29072-7182 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 6, 2022 | Deed of Trust, Mortgage · Line of Credit PALMETTO CITIZENS FCU |
| Sep 13, 2022 | Deed of Trust, Mortgage · Line of Credit PALMETTO CITIZENS FCU |
| Aug 11, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST PALMETTO BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 31, 2012 · Amount on Record |
| Deed Sale | May 31, 2012 · Amount on Record |
| Deed Document Number | 201226016 |
| Deed Book / Page | 15541 / 346 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LEXINGTON SC |
| Property Address | 409 BAY POINTE, LEXINGTON, SC 29072-7182 |
| Transaction Type | Mortgage |
| Record Updated | Oct 18, 2022 |
| Name | Verified Name |
|---|
| Document Number | 2102904666 |
|---|---|
| Date | Oct 6, 2022 |
| Book Page | 21029/4666 |
| Instrument | 2022044568 |
| Name | PALMETTO CITIZENS FCU |
|---|---|
| Type | Credit Union |
| Address | COLUMBIA, SC 29250 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Oct 5, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LEXINGTON SC |
| Property Address | 409 BAY POINTE, LEXINGTON, SC 29072-7182 |
| Transaction Type | Mortgage |
| Record Updated | Sep 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 2102600641 |
|---|---|
| Date | Sep 13, 2022 |
| Book Page | 21026/641 |
| Instrument | 2022040893 |
| Name | PALMETTO CITIZENS FCU |
|---|---|
| Type | Credit Union |
| Address | COLUMBIA, SC 29250 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Sep 12, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LEXINGTON SC |
| Property Address | 409 BAY POINTE, LEXINGTON, SC 29072-7182 |
| Transaction Type | Mortgage |
| Record Updated | Aug 31, 2022 |
| Name | Verified Name |
|---|
| Document Number | 2088605949 |
|---|---|
| Date | Aug 11, 2020 |
| Book Page | 20886/5949 |
| Instrument | 2020035278 |
| Name | FIRST PALMETTO BANK |
|---|---|
| Type | Bank |
| Address | CAMDEN, SC 29020 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2050 |
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 | $3,487.00 (+9.17%) | ||
| 2024 | $3,194.00 (+4.45%) | $21,387 (-) Land $4,500 Building $16,887 | $534,683 (-) Land $112,500 Building $422,183 |
| 2023 | $3,058.00 | $21,387 Land $4,500 Building $16,887 | $534,683 Land $112,500 Building $422,183 |
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.
Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 362.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 41 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 41 in force |
| Nearby Flood Claims | 4 (2013–2020) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | Jul 2020 |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 94% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.03% 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.
Source: FCC Broadband Data Collection, based on 124 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Ripple Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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