Effingham County property record for 103 Cypress Loop, Bloomingdale, GA 31302
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 3,438 sqft · built 2018 |
| Lot Size | 0.4 acres (17,424 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $6,290 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Jan 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0303A-155-000 |
| Primary APN | 0303A-155-000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 3,438 sqft Heated Area |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Brick Veneer |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Fiberglass |
| Lot Area | 17,424 sqft (0.4 acres) |
| Garage Area | 858 sqft |
| Porch | Slab |
| Porch Area | 258 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 3819 |
|---|---|
| Street Address | 103 CYPRESS LOOP |
| City | BLOOMINGDALE |
| State | GA |
| Zip | 31302-0075 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | .40 AC LOT 155 OUT 303-15 |
| Legal Subdivision | CYPRESS LAKES |
| Legal Phase | 3 |
| Legal Block | 3 |
| Legal Lot Number | 155 |
| Jurisdiction | EFFINGHAM GA |
| Township / Civil Division | RINCON |
| Census Block Group | 3 |
| Census Block | 3029 |
| Census Tract | 30401 |
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 CYPRESS LOOP, BLOOMINGDALE, GA 31302-0075 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 3, 2026 | Deed of Trust, Mortgage GUILD MORTGAGE |
| Jan 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE |
| Jul 2, 2018 | Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 17, 2015 |
| Deed Sale | Sep 17, 2015 |
| Prior Sale | Aug 7, 2015 · Amount on Record |
| Deed Book / Page | 2311 / 319 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Property Address | 103 CYPRESS LOOP, BLOOMINGDALE, GA 31302-0075 |
| Transaction Type | Mortgage |
| Record Updated | Apr 20, 2026 |
| Name | Verified Name |
|---|---|
| Address | 103 CYPRESS LOOP, BLOOMINGDALE, GA 31302-0075 |
| Document Number | 0000003027/0000000773 |
|---|---|
| Date | Mar 3, 2026 |
| Book Page | 0000003027/0000000773 |
| Name | GUILD MORTGAGE |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jan 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Property Address | 103 CYPRESS LOOP, BLOOMINGDALE, GA 31302-0075 |
| Transaction Type | Mortgage |
| Record Updated | Mar 8, 2021 |
| Name | Verified Name |
|---|---|
| Address | 103 CYPRESS LOOP, BLOOMINGDALE, GA 31302-0075 |
| Document Number | 0000002658/0000000643 |
|---|---|
| Date | Jan 29, 2021 |
| Book Page | 0000002658/0000000643 |
| Instrument | 001066 |
| Name | FREEDOM MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Property Address | 103 CYPRESS LOOP, BLOOMINGDALE, GA 31302-0075 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2475/127 |
|---|---|
| Date | Jul 2, 2018 |
| Book Page | 2475/127 |
| Instrument | 005694 |
| Name | STEARNS LENDING |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2048 |
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 | $196,926 (+2.31%) Land $22,800 Building $174,126 | $492,316 (+2.31%) Land $57,000 Building $435,316 | |
| 2025 | $6,290.00 (+9.93%) | $192,486 (+1.95%) Land $22,800 Building $169,686 | $481,214 (+1.95%) Land $57,000 Building $424,214 |
| 2024 | $5,722.00 (+28.87%) | $188,810 (+24.23%) Land $22,800 Building $166,010 | $472,024 (+24.22%) Land $57,000 Building $415,024 |
| 2023 | $4,440.00 (+6.99%) | $151,990 (+14.74%) Land $18,000 Building $133,990 | $379,976 (+14.74%) Land $45,000 Building $334,976 |
| 2022 | $4,150.00 | $132,467 Land $18,000 Building $114,467 | $331,167 Land $45,000 Building $286,167 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 55 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 55 in force |
| Nearby Flood Claims | 13 (2020–2024) |
| Most Recent Claim | Aug 2024 · Tropical Storm Debby |
| Claims by Event |
|
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 63% of the US · lower than 84% 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 70 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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