Effingham County property record for 104 Cromer Ln, Guyton, GA 31312
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 4,162 sqft · built 2024 |
| Lot Size | 0.68 acres (29,621 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $7,353 (2025) |
| Deeds & Mortgages | Sep 2024 Sale & Mortgage Oct 2023 Sale & Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 00510023A00 |
| Primary APN | 00510023A00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 4,162 sqft Living Area |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2025 |
| Exterior Material | Composition/Composite |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Fiberglass |
| Lot Area | 29,621 sqft (0.68 acres) |
| Garage Area | 546 sqft |
| Porch | Slab |
| Porch Area | 300 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 32852 |
|---|---|
| Street Address | 104 CROMER LN |
| City | GUYTON |
| State | GA |
| Zip | 31312-6723 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | .6806 AC LOT 128 (OUT 352-37) PLT 29/670 |
| Legal Subdivision | COVERED BRIDGE |
| Legal Phase | 3 |
| Legal Lot Number | 128 |
| Jurisdiction | EFFINGHAM GA |
| Township / Civil Division | RINCON |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 30401 |
Source: Effingham County records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 104 CROMER LN, GUYTON, GA 31312-6723 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 19, 2024 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage RENASANT BANK |
| Oct 31, 2023 | Warranty Deed, Transfer · Construction Mortgage COLONY BANK |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Recording Date | Sep 19, 2024 |
| Property Address | 104 CROMER LN, GUYTON, GA 31312-6723 |
| Document Number | 002932/543 |
| Book / Page | 2932 / 543 |
| Instrument Date | Sep 19, 2024 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 22, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | GA |
| Document Number | D2024007168 |
|---|---|
| Date | Sep 19, 2024 |
| Instrument | D2024007168 |
| Name | RENASANT BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 352 Months |
| Due | Jan 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Recording Date | Oct 31, 2023 |
| Property Address | 104 CROMER LN, GUYTON, GA 31312-6723 |
| Document Number | 002879/155 |
| Book / Page | 2879 / 155 |
| Instrument Date | Oct 19, 2023 |
| Instrument | D2023008955 |
| Transaction Type | Transfer |
| Record Updated | Dec 22, 2025 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 212428, AUGUSTA, GA 30917-2428 |
| Investor | Possibly a Property Investor |
| Document Number | 0000002879/0000000157 |
|---|---|
| Date | Oct 31, 2023 |
| Book Page | 0000002879/0000000157 |
| Instrument | D2023008956 |
| Name | COLONY BANK |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jan 1, 2024 |
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 | $232,378 (+1.03%) Land $44,800 Building $187,578 | $580,944 (+1.03%) Land $112,000 Building $468,944 | |
| 2025 | $7,353.00 (+755%) Homeowner's exemption | $230,008 (+637.21%) Land $31,200 Building $198,808 | $575,021 (+637.21%) Land $78,000 Building $497,021 |
| 2024 | $860.00 | $31,200 Land $31,200 | $78,000 Land $78,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is 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 Record 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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