81 Downing Cir, Gilbert, SC 29054 Property Records

Lexington County property record for 81 Downing Cir, Gilbert, SC 29054 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,893 sqft · built 2013
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$299,999 (Jun 2019)
Tax Bill	$1,956 (2025)
Deeds & Mortgages	Jan 2022 Mortgage May 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`003115-01-002`

Property Details

APN / Parcel Number

Primary APN	`003115-01-002`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,893 sqft Living Area

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Fiber Cement Siding
Lot Area	6,098 sqft (0.14 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	81 DOWNING CIR
City	GILBERT
State	SC
Zip	29054-8483
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKESIDE RESERVE SD LOT 2
Legal Subdivision	LAKESIDE RESERVE
Legal Lot Number	2
Jurisdiction	LEXINGTON SC
Township / Civil Division	GILBERT
Census Block Group	3
Census Block	3003
Census Tract	21303

Owner

Source: Lexington County records · APN 003115-01-002

Assessment roll updated June 23, 2026 · Last verified July 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 File
Mailing Address	81 DOWNING CIR, GILBERT, SC 29054-8483
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
May 30, 2019	Deed of Trust, Mortgage · FHA Mortgage NETWORK FNDG
Jun 07, 2019	Deed, Transfer · FHA Mortgage NETWORK FUNDING LP

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 07, 2019 · Amount on Record
Deed Sale	Jun 07, 2019 · Amount on Record
Prior Sale	Dec 31, 2013 · Amount on Record
Deed Document Number	201924653
Deed Book / Page	20820 / 429
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEXINGTON SC
Property Address	81 DOWNING CIR, GILBERT, SC 29054-8483
Transaction Type	Mortgage
Record Updated	Aug 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 DOWNING CIR, GILBERT, SC 29054-8483

Mortgage

Document Number	2098804361
Date	Jan 19, 2022
Book Page	20988/4361
Instrument	2022002770

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2052

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEXINGTON SC
Property Address	81 DOWNING CIR, GILBERT, SC 29054-8483
Document Number	2082000438
Instrument Date	May 30, 2019
Transaction Type	Mortgage
Record Updated	Jul 02, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	81 DOWNING CIR GILBERT SC 290548483, GILBERT, SC 29054-8483

Mortgage

Document Number	2082000438
Date	Jun 07, 2019
Book Page	020820/000438
Instrument	24655

Lender

Name	NETWORK FNDG
Type	Funding / Finance Company
Address	HOUSTON, TX 77042

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 06, 2049

June 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	LEXINGTON SC
Recording Date	Jun 07, 2019
Property Address	81 DOWNING CIR, GILBERT, SC 29054-8483
Document Number	2082000429
Book / Page	20820 / 0429
Map Reference	MB 13259 PG 291
Instrument Date	May 30, 2019
Instrument	2019024653
Transaction Type	Transfer
Record Updated	Aug 31, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,110.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	81 DOWNING CIR, GILBERT, SC 29054-8483

Mortgage

Document Number	2082000438
Date	Jun 07, 2019
Book Page	20820/0438
Instrument	2019024655

Lender

Name	NETWORK FUNDING LP
Type	Mortgage Company
Address	HOUSTON, TX 77042

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2049

Tax Assessment & Valuation

Source: Lexington County records · Assessment roll updated June 23, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	South Carolina
County	Lexington County
Unified School District	Lexington School District 1 (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,956.00 (+9.21%)	$12,000 (-) Land $1,200 Building $10,800
2024	$1,791.00 (+4.43%)	$12,000 (-) Land $1,200 Building $10,800	$300,000 (-) Land $30,000 Building $270,000
2023	$1,715.00	$12,000 Land $1,200 Building $10,800	$300,000 Land $30,000 Building $270,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lexington County (45063C), updated September 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 450630213033, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 36 individual NFIP policies nearby
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	36 in force
Nearby Flood Claims	1 (2015)
Most Recent Claim	Oct 2015, rainfall accumulation, Severe Storms And Flooding

Wildfire

Wildfire Risk	Moderate above 45% of the US · above 37% of South Carolina
Wildfire Likelihood	About 1 in 1,449 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 120 locations within about half a mile of this property

Provider	Technology	Download / Upload (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

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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