Effingham County property record for 101 Cotton Bluff Ct, Guyton, GA 31312
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,594 sqft · built 2020 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $310,000 (Dec 2025) |
| Tax Bill | $3,460 (2025) |
| Deeds & Mortgages | Dec 2025 Sale & Mortgage Jun 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0418F-442-000 |
| Primary APN | 0418F-442-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,594 sqft Heated Area |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.17 acres) |
| Garage Area | 441 sqft |
| Porch | Slab |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 30277 |
|---|---|
| Street Address | 101 COTTON BLUFF CT |
| City | GUYTON |
| State | GA |
| Zip | 31312-7540 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD |
| Legal Description | .172 AC LOT 442 (OUT 419-2 ) |
| Legal Subdivision | PARK WEST |
| Legal Phase | 4C1 |
| Legal Lot Number | 442 |
| Jurisdiction | EFFINGHAM GA |
| Township / Civil Division | RINCON |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 30403 |
Source: Effingham County records, as of September 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 | 101 COTTON BLUFF CT, GUYTON, GA 31312-7540 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 8, 2025 | Limited Warranty Deed, Transfer NAVY FEDERAL CREDIT UNION |
| Jun 15, 2020 | Limited Warranty Deed, Subdivision Related Transfer · Conventional Mortgage BANK OF AMERICA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 8, 2025 · Amount on Record |
| Deed Sale | Dec 8, 2025 · Amount on Record |
| Prior Sale | Jun 15, 2020 · Amount on Record |
| Deed Document Number | 20259813 |
| Deed Book / Page | 3012 / 77 |
| Record Updated | Oct 29, 2026 |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Recording Date | Dec 8, 2025 |
| Property Address | 101 COTTON BLUFF CT, GUYTON, GA 31312-7540 |
| Document Number | 0003012/77 |
| Book / Page | 3012 / 77 |
| Instrument Date | Dec 4, 2025 |
| Instrument | D2025009813 |
| Transaction Type | Transfer |
| Record Updated | Feb 18, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3.10 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 101 COTTON BLUFF CT, GUYTON, GA 31312-7540 |
| Document Number | 0000301279 |
|---|---|
| Date | Dec 8, 2025 |
| Instrument | 3012/79 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Recording Date | Jun 15, 2020 |
| Property Address | 101 COTTON BLUFF CT, GUYTON, GA 31312-7540 |
| Document Number | 002599/761 |
| Book / Page | 2599 / 761 |
| Instrument Date | Jun 15, 2020 |
| Instrument | 2020-001591 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Mar 22, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 101 COTTON BLUFF CT, GUYTON, GA 31312-7540 |
| Document Number | 0000002599/0000000763 |
|---|---|
| Date | Jun 17, 2020 |
| Book Page | 0000002599/0000000763 |
| Instrument | 005749 |
| Name | BANK OF AMERICA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2050 |
Source: Effingham County assessment roll, as of December 22, 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 |
|---|---|---|---|
| 2026 | $128,970 (+3.69%) Land $22,800 Building $106,170 | $322,424 (+3.69%) Land $57,000 Building $265,424 | |
| 2025 | $3,460.00 (+10.65%) Homeowner's exemption | $124,379 (+2.79%) Land $22,800 Building $101,579 | $310,948 (+2.79%) Land $57,000 Building $253,948 |
| 2024 | $3,127.00 (+20.04%) Homeowner's exemption | $121,000 (+53.92%) Land $22,800 Building $98,200 | $302,501 (+53.92%) Land $57,000 Building $245,501 |
| 2022 | $2,605.00 | $78,610 Land $16,000 Building $62,610 | $196,526 Land $40,000 Building $156,526 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 49 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 49 in force |
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 66% of the US · lower than 89% of Georgia |
|---|---|
| Wildfire Likelihood | 0.04% 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 115 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 | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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