Effingham County property record for 100 Saddle Ln, Guyton, GA 31312
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,403 sqft · built 1995 |
| Owner | Individual Name on Record |
| Last Sale | $233,000 (Jun 2017) |
| Tax Bill | $555 (2025) |
| Deeds & Mortgages | Jun 2023 Second Mortgage Feb 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0435B-025-000 |
| Primary APN | 0435B-025-000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,403 sqft Heated Area |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Brick Veneer |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Shed Roof |
| Roof Material | Composition Shingle |
| Garage Area | 601 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 1,090 sqft |
| Deck Area | 252 sqft |
| Patio Area | 252 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 16201 |
|---|---|
| Old Parcel Number | 0435B025 |
| Street Address | 100 SADDLE LN |
| City | GUYTON |
| State | GA |
| Zip | 31312-6248 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | LT 25 |
| Legal Subdivision | SADDLEBROOK |
| Legal Block | II |
| Legal Lot Number | 25 |
| Jurisdiction | EFFINGHAM GA |
| Township / Civil Division | RINCON |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 30301 |
Source: Effingham County records, as of December 19, 2025
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 100 SADDLE LN, GUYTON, GA 31312-6248 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 21, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FEDERAL CREDIT UNION |
| Feb 1, 2021 | Deed of Trust, Mortgage · VA Mortgage STOCKTON MORTGAGE |
| Jun 29, 2017 | Warranty Deed, Transfer · VA Mortgage PRIMARY CAPITAL |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 29, 2017 · Amount on Record |
| Deed Sale | Jun 29, 2017 · Amount on Record |
| Prior Sale | Feb 8, 2007 · Amount on Record |
| Deed Document Number | 0000024144 |
| Deed Book / Page | 2414 / 4 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Property Address | 100 SADDLE LN, GUYTON, GA 31312-6248 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2025 |
| Name | Verified Name |
|---|---|
| Address | 100 SADDLE LN, GUYTON, GA 31312-6248 |
| Document Number | 0000002855/0000000479 |
|---|---|
| Date | Jun 21, 2023 |
| Book Page | 0000002855/0000000479 |
| Instrument | 005099 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Property Address | 100 SADDLE LN, GUYTON, GA 31312-6248 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2022 |
| Name | Verified Name |
|---|---|
| Address | 100 SADDLE LN, GUYTON, GA 31312-6248 |
| Document Number | 0000002659/0000000089 |
|---|---|
| Date | Feb 1, 2021 |
| Book Page | 0000002659/0000000089 |
| Instrument | 001125 |
| Name | STOCKTON MORTGAGE |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Recording Date | Jun 29, 2017 |
| Property Address | 100 SADDLE LN, GUYTON, GA 31312-6248 |
| Document Number | 00002414/4 |
| Book / Page | 2414 / 4 |
| Instrument Date | Jun 29, 2017 |
| Instrument | 2017-001700 |
| Transaction Type | Transfer |
| Record Updated | Mar 22, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 100 SADDLE LN, GUYTON, GA 31312-6248 |
| Document Number | 00002414/5 |
|---|---|
| Date | Jun 30, 2017 |
| Book Page | 2414/5 |
| Instrument | 005892 |
| Name | PRIMARY CAPITAL |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2047 |
Source: Effingham County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Georgia |
| County | Effingham County |
| Unified School District | Effingham County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $555.00 (+14.43%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $139,901 (+0.42%) Land $22,800 Building $117,101 | $349,752 (+0.42%) Land $57,000 Building $292,752 |
| 2024 | $485.00 (+13.58%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $139,317 (+35.01%) Land $22,800 Building $116,517 | $348,292 (+35.01%) Land $57,000 Building $291,292 |
| 2022 | $427.00 Homeowner's exemption | $103,193 Land $18,800 Building $84,393 | $257,983 Land $47,000 Building $210,983 |
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 October 1, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 40 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 40 in force |
| Nearby Flood Claims | 2 (2002–2009) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Dec 2009 · rainfall accumulation |
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 91% of Georgia |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 75 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Planters Rural Telephone Cooperative Fiber | 8,000 / 8,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures