85 Downing Cir, Gilbert, SC 29054 Property Records

Lexington County property record for 85 Downing Cir, Gilbert, SC 29054

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,873 sqft · built 2015
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on Record
Last Sale	$314,900 (Jul 2019)
Tax Bill	$2,054 (2025)
Deeds & Mortgages	Apr 2018 Line of Credit Apr 2018 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`003115-01-001`

Property Details

APN / Parcel Number

Primary APN	`003115-01-001`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,873 sqft Living Area

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Fiber Cement Siding
Lot Area	5,663 sqft (0.13 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	85 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 1
Legal Subdivision	LAKESIDE RESERVE
Legal Lot Number	1
Jurisdiction	LEXINGTON SC
Township / Civil Division	GILBERT
Census Block Group	3
Census Block	3003
Census Tract	21303

Owner

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	Individual Name on Record
Mailing Address	85 DOWNING CIR, GILBERT, SC 29054-8483
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2018	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Apr 30, 2018	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Jul 16, 2019	Deed, Transfer · Conventional Mortgage FIRST RELIANCE BANK
Jul 18, 2019	Correction Deed NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 18, 2019 · Amount on Record
Deed Sale	Jul 18, 2019 · Amount on Record
Prior Sale	Jul 16, 2019 · Amount on Record
Deed Document Number	201931457
Deed Book / Page	20826 / 253
Record Updated	Sep 20, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEXINGTON SC
Property Address	85 DOWNING CIR, GILBERT, SC 29054-8483
Transaction Type	Mortgage
Record Updated	Aug 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1997200171
Date	Apr 30, 2018
Book Page	19972/171
Instrument	2018018720

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 17, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEXINGTON SC
Property Address	85 DOWNING CIR, GILBERT, SC 29054-8483
Transaction Type	Mortgage
Record Updated	Aug 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1997200164
Date	Apr 30, 2018
Book Page	19972/164
Instrument	2018018719

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Apr 21, 2033

July 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	LEXINGTON SC
Recording Date	Jul 16, 2019
Property Address	85 DOWNING CIR, GILBERT, SC 29054-8483
Document Number	2082503694
Book / Page	20825 / 3694
Map Reference	MB 13259 PG 291
Instrument Date	Jul 15, 2019
Instrument	2019031010
Transaction Type	Transfer
Record Updated	Aug 31, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,165.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 DOWNING CIR, GILBERT, SC 29054-8483

Mortgage

Document Number	2019031011
Date	Jul 16, 2019
Instrument	2019031011

Lender

Name	FIRST RELIANCE BANK
Type	Bank

Agreement

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

July 2019: Correction Deed

Document Type	Correction Deed
Jurisdiction	LEXINGTON SC
Recording Date	Jul 18, 2019
Property Address	85 DOWNING CIR, GILBERT, SC 29054-8483
Document Number	2082600253
Book / Page	020826 / 000253
Instrument Date	Jul 15, 2019
Instrument	31457
Record Updated	Aug 7, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$1,165.13
Amount Accuracy	Confirmed
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 DOWNING CIR GILBERT SC 290548483, GILBERT, SC 29054-8483

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	$2,054.00 (+9.2%)
2024	$1,881.00 (+4.44%)	$12,596 (-) Land $1,200 Building $11,396	$314,900 (-) Land $30,000 Building $284,900
2023	$1,801.00	$12,596 Land $1,200 Building $11,396	$314,900 Land $30,000 Building $284,900

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 500 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	Moderate above 45% of the US · lower than 62% of South Carolina
Wildfire Likelihood	0.07% 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.

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 Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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