104 Cherry Oaks Ct, Springfield, GA 31329 Property Records

Effingham County property record for 104 Cherry Oaks Ct, Springfield, GA 31329

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,500 sqft · built 2016
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on File
Last Sale	$291,000 (Oct 2025)
Tax Bill	$510 (2025)
Deeds & Mortgages	Jun 2015 Mortgage Oct 2025 Sale & Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`0428C-235-000`

Property Details

APN / Parcel Number

Primary APN	`0428C-235-000`
Alternative APNs	`0428C235` `15557`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,500 sqft Heated Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Exterior Material	Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,068 sqft (0.3 acres)
Garage Area	441 sqft
Porch	Open Porch
Porch Area	84 sqft
Deck Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	15557
Street Address	104 CHERRY OAKS CT
City	SPRINGFIELD
State	GA
Zip	31329-5503
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	.30 AC LOT 235 (OUT 428-17)
Legal Subdivision	SHADOWBROOK
Legal Phase	3B
Legal Block	IIIB
Legal Lot Number	235
Jurisdiction	EFFINGHAM GA
Township / Civil Division	GUYTON-SPRINGFIELD
Census Block Group	1
Census Block	1012
Census Tract	30205

Owner

Source: Effingham County assessment roll, as of July 1, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	104 CHERRY OAKS CT, SPRINGFIELD, GA 31329-5503
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2015	Deed of Trust, Mortgage · Conventional Mortgage HERITAGE BANK
Oct 16, 2025	Limited Warranty Deed, Transfer · FHA Mortgage MAGNOLIA BANK
Apr 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage MORRIS BANK
Jul 26, 2022	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER
Jul 25, 2022	Warranty Deed, Transfer
Jul 25, 2022	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER
Apr 3, 2020	Warranty Deed, Transfer · Conventional Mortgage MORRIS BANK
Feb 26, 2016	Warranty Deed, Subdivision Related Transfer · FHA Mortgage GUILD MORTGAGE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 16, 2025 · Amount on Record
Deed Sale	Oct 16, 2025 · Amount on Record
Prior Sale	Jul 25, 2022 · Amount on Record
Deed Document Number	D2025008158
Deed Book / Page	3001 / 803
Record Updated	Jun 8, 2026

June 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	104 CHERRY OAKS CT, SPRINGFIELD, GA 31329-5503
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	002295/596
Date	Jun 12, 2015
Book Page	2295/596
Instrument	004653

Lender

Name	HERITAGE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 1, 2016

October 2025: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Oct 16, 2025
Property Address	104 CHERRY OAKS CT, SPRINGFIELD, GA 31329-5503
Document Number	003001/803
Book / Page	3001 / 803
Instrument Date	Oct 15, 2025
Instrument	D2025008158
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2.91
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 CHERRY OAKS CT, SPRINGFIELD, GA 31329-5503

Mortgage

Document Number	0003001805
Date	Oct 16, 2025
Instrument	3001/805

Lender

Name	MAGNOLIA BANK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Jan 1, 2055

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	104 CHERRY OAKS CT, SPRINGFIELD, GA 31329-5503
Transaction Type	Mortgage
Record Updated	Nov 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 CHERRY OAKS CT, SPRINGFIELD, GA 31329-5503

Mortgage

Document Number	0000002584/0000000103
Date	Apr 3, 2020
Book Page	0000002584/0000000103
Instrument	003193

Lender

Name	MORRIS BANK

Agreement

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

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	104 CHERRY OAKS CT, SPRINGFIELD, GA 31329-5503
Transaction Type	Mortgage
Record Updated	Nov 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 CHERRY OAKS CT, SPRINGFIELD, GA 31329-5503

Mortgage

Document Number	0000002798/0000000487
Date	Jul 26, 2022
Book Page	0000002798/0000000487
Instrument	007603

Lender

Name	MORTGAGE RESEARCH CENTER

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Jul 25, 2022
Property Address	104 CHERRY OAKS CT, SPRINGFIELD, GA 31329-5503
Document Number	002798/485
Book / Page	2798 / 485
Instrument Date	Jul 25, 2022
Instrument	2022-002226
Transaction Type	Transfer
Record Updated	Nov 30, 2022

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	140 CHERRY OAKS CT, SPRINGFIELD, GA 31329-5503

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Jul 25, 2022
Property Address	104 CHERRY OAKS CT, SPRINGFIELD, GA 31329-5503
Document Number	002798/485
Book / Page	2798 / 485
Instrument Date	Jul 25, 2022
Instrument	2022-002226
Transaction Type	Transfer
Record Updated	Apr 2, 2026

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	140 CHERRY OAKS CT, SPRINGFIELD, GA 31329-5503
Investor	Possibly a Property Investor

Mortgage

Document Number	0000007603
Date	Jul 25, 2022
Instrument	007603

Lender

Name	MORTGAGE RESEARCH CENTER

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	354 Months
Due	Jan 1, 2052

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Apr 3, 2020
Property Address	104 CHERRY OAKS CT, SPRINGFIELD, GA 31329-5503
Document Number	002584/101
Book / Page	2584 / 101
Instrument Date	Apr 3, 2020
Instrument	2020-000906
Transaction Type	Transfer
Record Updated	Nov 30, 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	104 CHERRY OAKS CT, SPRINGFIELD, GA 31329-5503

Mortgage

Document Number	0000002584/0000000103
Date	Apr 3, 2020
Book Page	0000002584/0000000103
Instrument	003193

Lender

Name	MORRIS BANK

Agreement

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

February 2016: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Feb 26, 2016
Property Address	104 CHERRY OAKS CT, SPRINGFIELD, GA 31329-5503
Document Number	002334/117
Book / Page	2334 / 117
Instrument Date	Feb 26, 2016
Instrument	2016-000455
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 30, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	104 CHERRY OAKS CT, SPRINGFIELD, GA 31329-5503

Mortgage

Document Number	002334/119
Date	Mar 3, 2016
Book Page	2334/119
Instrument	001539

Lender

Name	GUILD MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2046

Tax Assessment & Valuation

Source: Effingham County assessment roll, as of July 1, 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
2025	$510.00 (+11.35%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$110,423 (+7.31%) Land $22,800 Building $87,623	$276,058 (+7.31%) Land $57,000 Building $219,058
2024	$458.00 (-82.85%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$102,904 (+27.11%) Land $22,800 Building $80,104	$257,260 (+27.11%) Land $57,000 Building $200,260
2022	$2,671.00	$80,957 Land $15,200 Building $65,757	$202,392 Land $38,000 Building $164,392

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 14 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	14 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	Moderate above 40% of the US · lower than 73% of Georgia
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation at the parcel

Internet Providers

Source: FCC Broadband Data Collection, based on 167 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

May also be available: Hotwire Communications, Uniti Group.

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