103 Covenant Ln, Springfield, GA 31329 Property Records

Effingham County property record for 103 Covenant Ln, Springfield, GA 31329

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,619 sqft · built 2020
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on Record
Last Sale	$199,900 (Oct 2020)
Tax Bill	$2,675 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage Dec 2019 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`S1140-040-000`

Property Details

APN / Parcel Number

Primary APN	`S1140-040-000`
Alternative APNs	`0075F040000` `S1140040` `26918`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,619 sqft Heated Area
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

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	12,197 sqft (0.28 acres)
Garage Area	324 sqft
Porch	Slab
Deck Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	26918
Street Address	103 COVENANT LN
City	SPRINGFIELD
State	GA
Zip	31329-4234
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	.28 AC LOT 40 (OUT 75-44)
Legal Subdivision	CEDAR CREEK
Legal Phase	2
Legal Block	2
Legal Lot Number	40
Jurisdiction	EFFINGHAM GA
Township / Civil Division	GUYTON-SPRINGFIELD
Census Block Group	2
Census Block	2009
Census Tract	30205

Owner

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	2 Individual Names on Record
Mailing Address	103 COVENANT LN, SPRINGFIELD, GA 31329-4234
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2020	Warranty Deed, Subdivision Related Transfer · VA Mortgage GUILD MORTGAGE
Dec 5, 2019	Warranty Deed, Transfer CADENCE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 8, 2020 · Amount on Record
Deed Sale	Oct 8, 2020 · Amount on Record
Prior Sale	Dec 5, 2019 · Amount on Record
Deed Document Number	20202894
Deed Book / Page	2630 / 106
Record Updated	Oct 29, 2026

October 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Oct 8, 2020
Property Address	103 COVENANT LN, SPRINGFIELD, GA 31329-4234
Document Number	002630/106
Book / Page	2630 / 106
Instrument Date	Oct 8, 2020
Instrument	2020-002894
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 3, 2022

Transaction

Amount	Amount Recorded
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 COVENANT LN, SPRINGFIELD, GA 31329-4234

Mortgage

Document Number	0000002630/0000000108
Date	Oct 13, 2020
Book Page	0000002630/0000000108
Instrument	010544

Lender

Name	GUILD MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Dec 5, 2019
Property Address	103 COVENANT LN, SPRINGFIELD, GA 31329-4234
Document Number	00002562/1
Book / Page	2562 / 1
Instrument Date	Dec 5, 2019
Instrument	2019-003367
Transaction Type	Transfer
Record Updated	Nov 5, 2024

Transaction

Amount	Amount Recorded
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	122 CANAL ST # 108, 108, POOLER, GA 31322-4408
Investor	Possibly a Property Investor

Mortgage

Document Number	0000002562/0000000003
Date	Dec 12, 2019
Book Page	0000002562/0000000003
Instrument	010532

Lender

Name	CADENCE BANK

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Jan 1, 2020

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$121,111 (+3.86%) Land $22,800 Building $98,311	$302,778 (+3.86%) Land $57,000 Building $245,778
2025	$2,675.00 (+9.23%) Homeowner's exemption Senior Citizen's exemption	$116,612 (+17.11%) Land $22,800 Building $93,812	$291,531 (+17.11%) Land $57,000 Building $234,531
2024	$2,449.00 (+4.66%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$99,576 (+18.17%) Land $22,800 Building $76,776	$248,941 (+18.17%) Land $57,000 Building $191,941
2022	$2,340.00 Homeowner's exemption	$84,263 Land $16,000 Building $68,263	$210,658 Land $40,000 Building $170,658

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

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 36 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	36 in force
Nearby Flood Claims	3 (2024)
Most Recent Claim	Aug 2024 · Tropical Storm Debby
Claims by Event	Tropical Storm Debby, Aug 2024 · 3 claims

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

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

Wildfire Risk	Low lower than 64% of the US · lower than 85% of Georgia
Wildfire Likelihood	0.05% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SPRINGFIELD serves 3,100 people · EPA ID GA1030002
Water Source	Groundwater
Last State Inspection	Mar 2023
Lead	4 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 91 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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