Effingham County property record for 103 Timber Trail Cir, Guyton, GA 31312
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 3,789 sqft · built 2021 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $519,800 (Jun 2023) |
| Tax Bill | $6,701 (2025) |
| Deeds & Mortgages | May 2024 Second Mortgage Jun 2023 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0327A-123-000 |
| Primary APN | 0327A-123-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,789 sqft Heated Area |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Brick Veneer |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Fiberglass |
| Lot Area | 14,810 sqft (0.34 acres) |
| Garage Area | 551 sqft |
| Porch | Patio |
| Deck Area | 406 sqft |
| Utility Building | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 30246 |
|---|---|
| Street Address | 103 TIMBER TRAIL CIR |
| City | GUYTON |
| State | GA |
| Zip | 31312-5657 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | .344 AC LOT 123 (OUT 352-37) PLT 28/702 |
| Legal Subdivision | COVERED BRIDGE |
| Legal Phase | 2 |
| Legal Lot Number | 123 |
| Jurisdiction | EFFINGHAM GA |
| Township / Civil Division | RINCON |
| Census Block Group | 2 |
| Census Block | 2004 |
| 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 File |
|---|---|
| Mailing Address | 103 TIMBER TRAIL CIR, GUYTON, GA 31312-5657 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 3, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| Jun 14, 2023 | Warranty Deed, Transfer |
| Jun 14, 2023 | Warranty Deed, Transfer · Conventional Mortgage AMERICAN FINANCE |
| Jul 22, 2020 | Limited Warranty Deed, Transfer · Stand-Alone First Mortgage RENASANT BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 14, 2023 · Amount on File |
| Deed Sale | Jun 14, 2023 · Amount on File |
| Prior Sale | Jul 22, 2020 · Amount on File |
| Deed Document Number | 20231503 |
| Deed Book / Page | 2854 / 40 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Property Address | 103 TIMBER TRAIL CIR, GUYTON, GA 31312-5657 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2025 |
| Name | Verified Name |
|---|---|
| Address | 103 TIMBER TRAIL CIR, GUYTON, GA 31312-5657 |
| Document Number | 0000002907/0000000830 |
|---|---|
| Date | May 3, 2024 |
| Book Page | 0000002907/0000000830 |
| Instrument | D2024003230 |
| Name | DISCOVER BANK |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Recording Date | Jun 14, 2023 |
| Property Address | 103 TIMBER TRAIL CIR, GUYTON, GA 31312-5657 |
| Document Number | 0002854/61 |
| Book / Page | 2854 / 61 |
| Instrument Date | Jun 14, 2023 |
| Instrument | 2023-001504 |
| Transaction Type | Transfer |
| Record Updated | Jul 14, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 103 TIMBER TRAIL CIR, GUYTON, GA 31312-5657 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Recording Date | Jun 14, 2023 |
| Property Address | 103 TIMBER TRAIL CIR, GUYTON, GA 31312-5657 |
| Document Number | 0002854/40 |
| Book / Page | 2854 / 40 |
| Instrument Date | Jun 14, 2023 |
| Instrument | 2023-001503 |
| Transaction Type | Transfer |
| Record Updated | Jul 14, 2023 |
| Amount | Amount on Record |
|---|---|
| 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 | 103 TIMBER TRAIL CIR, GUYTON, GA 31312-5657 |
| Document Number | 0000004893 |
|---|---|
| Date | Jun 14, 2023 |
| Instrument | 004893 |
| Name | AMERICAN FINANCE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 355 Months |
| Due | Jan 1, 2053 |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Recording Date | Jul 22, 2020 |
| Property Address | 103 TIMBER TRAIL CIR, GUYTON, GA 31312-5657 |
| Document Number | 0002609/30 |
| Book / Page | 2609 / 30 |
| Instrument Date | Jul 22, 2020 |
| Instrument | 2020-001981 |
| Transaction Type | Transfer |
| Record Updated | Jun 1, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 212428, AUGUSTA, GA 30917-2428 |
| Document Number | 0000002609/0000000031 |
|---|---|
| Date | Jul 24, 2020 |
| Book Page | 0000002609/0000000031 |
| Instrument | 007244 |
| Name | RENASANT BANK |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Jan 1, 2021 |
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 | $220,139 (+6.96%) Land $44,800 Building $175,339 | $550,348 (+6.96%) Land $112,000 Building $438,348 | |
| 2025 | $6,701.00 (+7.04%) Homeowner's exemption | $205,806 (-8.57%) Land $31,200 Building $174,606 | $514,515 (-8.57%) Land $78,000 Building $436,515 |
| 2024 | $6,260.00 (+20.99%) | $225,088 (+31.33%) Land $31,200 Building $193,888 | $562,721 (+31.33%) Land $78,000 Building $484,721 |
| 2022 | $5,174.00 Homeowner's exemption | $171,387 Land $18,800 Building $152,587 | $428,468 Land $47,000 Building $381,468 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 44 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 44 in force |
| Nearby Flood Claims | 6 (1994–2024) |
| Claims Outside the SFHA | 1 of 6 |
| 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 | Moderate above 48% of the US · above 58% of Georgia |
|---|---|
| Wildfire Likelihood | 0.09% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 3 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 | 1,200 / 35 |
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