405 E Gay St, Lancaster, SC, 29720
About This Home
Welcome to a home where everything has already been done for you. This fully renovated property has been rebuilt with quality craftsmanship, modern finishes, and peace of mind from top to bottom. Renovations were completed with city permits, passed city inspections, and approved through the proper permitting process, giving buyers confidence in the work performed. Step inside to discover soaring ceilings and an open-concept floor plan filled with natural light. The designer kitchen features premium cabinetry, granite countertops, custom tile backsplash, and modern finishes that flow seamlessly into the spacious living and dining areas. Throughout the home you'll find luxury LVP flooring, custom tile work, updated fixtures, and high-end materials that create a clean, timeless look. Major system upgrades include a new roof, new HVAC system, and new water heater, making this home as practical as it is beautiful. The finished basement offers incredible flexibility with its own private entrance and exit, making it ideal as a media room, home theater, game room, guest suite, home office, or additional bedroom. Whether you're a homeowner needing extra living space or an investor looking for added versatility, this lower level provides endless possibilities. Located just minutes from Downtown Lancaster, you'll enjoy restaurants, shopping, entertainment, and community events all within walking distance, while still benefiting from an easy commute to surrounding areas. Homes with this level of renovation, quality, and versatility rarely become available. Schedule your private showing today and experience everything this exceptional property has to offer.
Getting Around
Somewhat Walkable
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1930
Materials
- Construction materials: Brick Full
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Microwave,Convection Oven,Dishwasher,Disposal
- Laundry features: In Hall
Basement
- Has basement: Yes
- Basement: Daylight,Full,Interior Entry
Bedroom S
- Level: Main
- Area: 133.2825
- Dimensions: 13' 8" X 9' 9"
Bedroom S
- Level: Main
- Area: 128.7714
- Dimensions: 13' 8" X 9' 5"
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
- Main level bedrooms: 3
Features
- Finished area below ground: 0
- Finished area above ground: 1,397
Heating & Cooling
- Heating features: Central
- Cooling features: Ceiling Fan(s),Central Air
Interior Area
- Total structure area: 1,397
- Total interior livable area: 1,397 sqft
Kitchen
- Features: Breakfast Bar,Kitchen Island,Open Floorplan,Walk-In Pantry
- Level: Main
- Area: 132.5339
- Dimensions: 10' 4" X 12' 10"
Living Room
- Features: Ceiling Fan(s),Open Floorplan
- Level: Main
- Area: 402.1836
- Dimensions: 26' 8" X 15' 1"
Primary Bedroom
- Level: Main
- Area: 227.53
- Dimensions: 15' 3" X 14' 11"
Property
Details
- Parcel number: 0068O0K011.00
- Zoning: CITY
- Special condition: Standard
Features
- Levels: One
- Stories: 1
- Fencing: Back Yard,Wood
Lot
- Lot size: 0.28 Acres
- Features: Open Lot
Parking
- Parking features: Driveway
- Has uncovered spaces: Yes
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Cold Wave
- Inland Flooding
- Ice Storm
- Lightning
- Strong Wind
- Tornado
- Earthquake
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Lancaster County and South Carolina
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,339 | $16,068 |
| Home Insurance * | $108 | $1,296 |
| Property Taxes | $119 | $1,428 |
| Electricity | $204 | $2,449 |
| Total | $1,770 | $21,240 |
Income You'd Need if You Spent...
South Carolina FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-31 | Listed for sale | $264,999 |
For Sale by Agent
View on Zillow