103 Clover Point Cir, Guyton, GA 31312 Property Records

Effingham County property record for 103 Clover Point Cir, Guyton, GA 31312

Property Summary

Property Type	Single Family Home
Details	3 ba · 4,213 sqft · built 2011
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on File
Last Sale	$370,000 (Apr 2021)
Tax Bill	$5,059 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0416C-002-000`

Property Details

APN / Parcel Number

Primary APN	`0416C-002-000`
Alternative APNs	`00920107000` `0416C002` `27506`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	4,213 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2012
Exterior Material	Wood
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Fiberglass
Lot Area	9,148 sqft (0.21 acres)
Garage Area	572 sqft
Porch	Slab
Porch Area	326 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	27506
Street Address	103 CLOVER POINT CIR
City	GUYTON
State	GA
Zip	31312-7134
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	.21 AC LOT 2 (OUT 416-20)
Legal Subdivision	CLOVER POINT AT BELMONT GLEN
Legal Phase	1A
Legal Lot Number	2
Jurisdiction	EFFINGHAM GA
Township / Civil Division	RINCON
Census Block Group	2
Census Block	2000
Census Tract	30301

Owner

103 Clover Point Cir is owned and occupied by an individual who bought it in April 2021.

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

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

Owner of Record	Individual Name on File
Mailing Address	103 CLOVER POINT CIR, GUYTON, GA 31312-7134
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 27, 2021 · Amount on File
Deed Sale	Apr 27, 2021 · Amount on File
Prior Sale	Jan 9, 2012 · Amount on File
Deed Document Number	20211309
Deed Book / Page	2684 / 539
Record Updated	Oct 29, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Apr 27, 2021
Property Address	103 CLOVER POINT CIR, GUYTON, GA 31312-7134
Document Number	002684/539
Book / Page	2684 / 539
Instrument Date	Apr 27, 2021
Instrument	2021-001309
Transaction Type	Transfer
Record Updated	Aug 3, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment 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 CLOVER POINT CIR, GUYTON, GA 31312-7134

Mortgage

Document Number	0000002684/0000000541
Date	Apr 29, 2021
Book Page	0000002684/0000000541
Instrument	005108

Lender

Name	CERTAINTY HOME LOANS

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 103 Clover Point Cir was $5,059 with a homeowner's exemption, up 8.6% 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		$191,836 (-) Land $20,824 Building $171,012	$479,589 (-) Land $52,060 Building $427,529
2025	$5,059.00 (+8.61%) Homeowner's exemption	$191,836 (-) Land $20,824 Building $171,012	$479,589 (-) Land $52,060 Building $427,529
2024	$4,658.00 Homeowner's exemption	$191,836 Land $20,303 Building $171,533	$479,589 Land $50,757 Building $428,832
2022	$4,385.00 Homeowner's exemption	$150,204 Land $18,000 Building $132,204	$375,510 Land $45,000 Building $330,510

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 Clover Point Cir in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 A, within 100 ft
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 Clover Point Cir is moderate, ranking above 43% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 43% of the US · lower than 61% of Georgia
Wildfire Likelihood	0.07% 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 206 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
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Clover Point Cir

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