103 Cedar Rdg Dr, Guyton, GA 31312 Property Records

Effingham County property record for 103 Cedar Rdg Dr, Guyton, GA 31312

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,750 sqft · built 2015
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on File
Last Sale	$265,000 (Jun 2017)
Tax Bill	$5,182 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0416B-020-000`

Property Details

APN / Parcel Number

Primary APN	`0416B-020-000`
Alternative APNs	`00790045000` `0416B020` `27632`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,750 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2016
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Fiberglass
Lot Area	12,197 sqft (0.28 acres)
Garage Area	400 sqft

Exterior Amenities

Porch	Slab
Porch Area	37 sqft
Deck Area	144 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	27632
Street Address	103 CEDAR RIDGE DR
City	GUYTON
State	GA
Zip	31312-7144
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	.28 AC LOT 20 OUT OF 416-17 & 18
Legal Subdivision	CEDAR RIDGE
Legal Phase	1
Legal Lot Number	20
Jurisdiction	EFFINGHAM GA
Township / Civil Division	RINCON
Census Block Group	2
Census Block	2000
Census Tract	30301

Owner

103 Cedar Rdg Dr is owned and occupied by an individual who bought it in June 2017.

Source: Effingham County records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	103 CEDAR RIDGE DR, GUYTON, GA 31312-7144
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2023	Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION
Jun 2, 2017	Warranty Deed, Transfer · VA Mortgage PLATINIUM MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 2, 2017 · Amount on File
Deed Sale	Jun 2, 2017 · Amount on File
Prior Sale	Oct 28, 2015 · Amount on File
Deed Document Number	20171437
Deed Book / Page	2410 / 85
Transfer Doc	0000001270
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	103 CEDAR RIDGE DR, GUYTON, GA 31312-7144
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 CEDAR RIDGE DR, GUYTON, GA 31312-7144

Mortgage

Document Number	0000002859/0000000966
Date	Jul 13, 2023
Book Page	0000002859/0000000966

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Jan 1, 2063

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Jun 2, 2017
Property Address	103 CEDAR RIDGE DR, GUYTON, GA 31312-7144
Document Number	0002410/85
Book / Page	2410 / 85
Instrument Date	Jun 2, 2017
Instrument	2017-001437
Transaction Type	Transfer
Record Updated	Aug 3, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 CEDAR RIDGE DR, GUYTON, GA 31312-7144

Mortgage

Document Number	0002410/86
Date	Jun 7, 2017
Book Page	2410/86
Instrument	005158

Lender

Name	PLATINIUM MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 103 Cedar Rdg Dr was $5,182 with a homeowner's exemption, down 7.1% from the year before.

Source: Effingham County assessment roll, as of December 22, 2025

Property Jurisdictions

Type	Name
State	Georgia
County	Effingham County
Unified School District	Effingham County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$168,492 (+7.18%) Land $22,800 Building $145,692	$421,230 (+7.18%) Land $57,000 Building $364,230
2025	$5,182.00 (-7.1%) Homeowner's exemption	$157,203 (-15.5%) Land $22,800 Building $134,403	$393,007 (-15.5%) Land $57,000 Building $336,007
2024	$5,578.00 Homeowner's exemption	$186,034 Land $22,800 Building $163,234	$465,086 Land $57,000 Building $408,086
2022	$4,116.00	$131,177 Land $18,000 Building $113,177	$327,942 Land $45,000 Building $282,942

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

FEMA maps place 103 Cedar Rdg Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2002.

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 File 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.

Wildfire

Wildfire risk around 103 Cedar Rdg Dr is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 57% of the US · above 86% of Georgia
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 77 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cedar Rdg Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures