104 Cypress Loop, Bloomingdale, GA 31302 Property Records

Effingham County property record for 104 Cypress Loop, Bloomingdale, GA 31302

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,500 sqft · built 2018
Lot Size	0.43 acres (18,731 sqft)
Owner	2 Individual Names on File
Last Sale	$479,900 (Feb 2025)
Tax Bill	$4,613 (2025)
Deeds & Mortgages	Feb 2025 Sale & Mortgage Jan 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0303A-189-000`

Property Details

APN / Parcel Number

Primary APN	`0303A-189-000`
Alternative APNs	`0303A189` `3853`

Interior

Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,500 sqft Heated Area
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2019
Exterior Material	Wood Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Fiberglass
Lot Area	18,731 sqft (0.43 acres)
Garage Area	520 sqft
Porch	Slab
Porch Area	266 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	3853
Street Address	104 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	.43 AC LOT 189
Legal Subdivision	CYPRESS LAKES
Legal Phase	3
Legal Block	3
Legal Lot Number	189
Jurisdiction	EFFINGHAM GA
Township / Civil Division	RINCON
Census Block Group	3
Census Block	3029
Census Tract	30401

Owner

104 Cypress Loop is owned and occupied by two individuals who bought it in February 2025.

Source: Effingham County records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	104 CYPRESS LOOP, BLOOMINGDALE, GA 31302-0075
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2025	Warranty Deed, Transfer · FHA Mortgage TOWNE MORTGAGE OF THE CAROLINAS
Jan 31, 2024	Deed of Trust, Mortgage · Conventional Mortgage GEOVISTA FEDERAL CREDIT UNION
Apr 20, 2018	Deed of Trust, Mortgage AMERIS BANK
Apr 12, 2022	Deed of Trust, Mortgage · FHA Mortgage CARDINAL FINANCIAL
Dec 30, 2019	Warranty Deed, Subdivision Related Transfer · FHA Mortgage CARDINAL FINANCIAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 10, 2025 · Amount on File
Deed Sale	Feb 10, 2025 · Amount on File
Prior Sale	Dec 30, 2019 · Amount on File
Deed Book / Page	2955 / 671
Record Updated	Oct 29, 2026

February 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Feb 10, 2025
Property Address	104 CYPRESS LOOP, BLOOMINGDALE, GA 31302-0075
Document Number	002955/671
Book / Page	2955 / 671
Instrument Date	Feb 6, 2025
Transaction Type	Transfer
Record Updated	Dec 22, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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 CYPRESS LOOP, BLOOMINGDALE, GA 31302-0075

Mortgage

Document Number	0002955673
Date	Feb 10, 2025
Instrument	2955/673

Lender

Name	TOWNE MORTGAGE OF THE CAROLINAS

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jan 1, 2055

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	104 CYPRESS LOOP, BLOOMINGDALE, GA 31302-0075
Transaction Type	Mortgage
Record Updated	Feb 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 CYPRESS LOOP, BLOOMINGDALE, GA 31302-0075

Mortgage

Document Number	0000002892/0000000514
Date	Jan 31, 2024
Book Page	0000002892/0000000514
Instrument	D2024000712

Lender

Name	GEOVISTA FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 1, 2039

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	104 CYPRESS LOOP, BLOOMINGDALE, GA 31302-0075
Transaction Type	Mortgage
Record Updated	Aug 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002461/141
Date	Apr 20, 2018
Book Page	2461/141
Instrument	003088

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	12 Months
Due	May 1, 2019

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	104 CYPRESS LOOP, BLOOMINGDALE, GA 31302-0075
Transaction Type	Mortgage
Record Updated	Aug 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 CYPRESS LOOP, BLOOMINGDALE, GA 31302-0075

Mortgage

Document Number	0000002776/0000000544
Date	Apr 12, 2022
Book Page	0000002776/0000000544
Instrument	003723

Lender

Name	CARDINAL FINANCIAL

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

December 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Dec 30, 2019
Property Address	104 CYPRESS LOOP, BLOOMINGDALE, GA 31302-0075
Document Number	002565/840
Book / Page	2565 / 840
Instrument Date	Dec 30, 2019
Instrument	2019-003564
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 3, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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 CYPRESS LOOP, BLOOMINGDALE, GA 31302-0075

Mortgage

Document Number	0000002565/0000000842
Date	Dec 31, 2019
Book Page	0000002565/0000000842
Instrument	011135

Lender

Name	CARDINAL FINANCIAL

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 104 Cypress Loop was $4,613 with a homeowner's exemption, up 13% from the year before.

Source: Effingham County assessment roll, as of December 22, 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
2026		$190,611 (-1.33%) Land $22,800 Building $167,811	$476,529 (-1.33%) Land $57,000 Building $419,529
2025	$4,613.00 (+12.95%) Homeowner's exemption	$193,173 (+2.71%) Land $22,800 Building $170,373	$482,932 (+2.71%) Land $57,000 Building $425,932
2024	$4,084.00 (+23.68%) Homeowner's exemption	$188,068 (+46.6%) Land $22,800 Building $165,268	$470,170 (+46.6%) Land $57,000 Building $413,170
2023	$3,302.00 (-16.41%) Homeowner's exemption	$128,283 (-) Land $17,496 Building $110,787	$320,707 (-) Land $43,739 Building $276,968
2022	$3,950.00 Homeowner's exemption	$128,283 Land $17,496 Building $110,787	$320,707 Land $43,739 Building $276,968

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

FEMA maps place 104 Cypress Loop in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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	Tropical Storm Debby, Aug 2024 · 12 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

Wildfire risk around 104 Cypress Loop is low, with a 0.04% annual chance of 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	0.04% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cypress Loop

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