104 Watson Mill Rd, Guyton, GA 31312 Property Records

Effingham County property record for 104 Watson Mill Rd, Guyton, GA 31312

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 4,158 sqft · built 2024
Lot Size	0.34 acres (14,810 sqft)
Owner	Individual Name on File
Last Sale	$566,700 (Jul 2024)
Tax Bill	$6,951 (2025)
Deeds & Mortgages	Jul 2024 Sale & Mortgage Oct 2023 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`00510023A00`

Property Details

APN / Parcel Number

Primary APN	`00510023A00`
Alternative APNs	`0327A169` `32860`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	4,158 sqft Living Area
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

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	14,810 sqft (0.34 acres)
Garage Area	546 sqft
Porch	Slab
Porch Area	256 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	32860
Street Address	104 WATSON MILL RD
City	GUYTON
State	GA
Zip	31312-6677
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	.3403 AC LOT 169 (OUT 352-37) PLT 29/670
Legal Subdivision	COVERED BRIDGE
Legal Phase	3
Legal Lot Number	169
Jurisdiction	EFFINGHAM GA
Township / Civil Division	RINCON
Census Block Group	2
Census Block	2008
Census Tract	30401

Owner

104 Watson Mill Rd is owned and occupied by an individual who bought it in July 2024.

Source: Effingham County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	104 WATSON MILL RD, GUYTON, GA 31312-6677
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
Jul 12, 2024	Limited Warranty Deed, Subdivision Related Transfer · Conventional Mortgage RENASANT BANK
Oct 25, 2023	Warranty Deed, Transfer · Line of Credit FIRST STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 12, 2024 · Amount on File
Deed Sale	Jul 12, 2024 · Amount on File
Deed Document Number	20245216
Deed Book / Page	2919 / 873
Record Updated	Oct 29, 2026

July 2024: Limited Warranty Deed, Subdivision Related Transfer

Document Type	Limited Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Jul 12, 2024
Property Address	104 WATSON MILL RD, GUYTON, GA 31312-6677
Document Number	002919/873
Book / Page	2919 / 873
Instrument Date	Jul 12, 2024
Instrument	D2024-005216
Transaction Type	Subdivision Related 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	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	GA

Mortgage

Document Number	D2024005217
Date	Jul 12, 2024
Instrument	D2024005217

Lender

Name	RENASANT BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	354 Months
Due	Jan 1, 2054

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Oct 25, 2023
Property Address	104 WATSON MILL RD, GUYTON, GA 31312-6677
Document Number	0002878/92
Book / Page	2878 / 92
Instrument Date	Oct 20, 2023
Instrument	D2023008790
Transaction Type	Transfer
Record Updated	Dec 22, 2025

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 212428, AUGUSTA, GA 30917-2428
Investor	Possibly a Property Investor

Mortgage

Document Number	0000002878/0000000094
Date	Oct 25, 2023
Book Page	0000002878/0000000094
Instrument	D2023008791

Lender

Name	FIRST STATE BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Jan 1, 2024

Tax Assessment & Valuation

The 2025 property tax bill for 104 Watson Mill Rd was $6,951 with a homeowner's exemption, up 800.4% 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		$219,503 (+1.42%) Land $44,800 Building $174,703	$548,758 (+1.42%) Land $112,000 Building $436,758
2025	$6,951.00 (+800.39%) Homeowner's exemption	$216,426 (+593.67%) Land $31,200 Building $185,226	$541,064 (+593.67%) Land $78,000 Building $463,064
2024	$772.00	$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.

Flood

FEMA maps place 104 Watson Mill Rd in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1994.

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	Severe Storms And Flooding, Mar 1998 · 2 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 Watson Mill Rd is moderate, ranking above 47% of the US, with a 0.08% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 47% of the US · above 53% of Georgia
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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 110 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	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications.

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