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105 Cedar Rdg Dr, Guyton, GA 31312 Property Records

Effingham County property record for 105 Cedar Rdg Dr, Guyton, GA 31312

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,664 sqft · built 2015
Lot Size0.28 acres (12,197 sqft)
Owner2 Individual Names on Record
Last Sale$250,000 (Jan 2020)
Tax Bill$3,755 (2025)
Deeds & MortgagesDec 2021 Mortgage
Jan 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN0416B-019-000

Property Details

APN / Parcel Number

Primary APN0416B-019-000
Alternative APNs
  • 00790045000
  • 0416B019
  • 27631

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories2 Stories
Building Area2,664 sqft Heated Area
FlooringHardwood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2015
Effective Year BuiltEffective 2015
Exterior MaterialBrick Veneer
Roof TypeGable/Hip
Roof MaterialFiberglass
Lot Area12,197 sqft (0.28 acres)
Garage Area440 sqft

Exterior Amenities

PorchPatio
Porch Area24 sqft
Deck AreaDeck Area
Patio Area144 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number27631
Street Address105 CEDAR RIDGE DR
CityGUYTON
StateGA
Zip31312-7144
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-1
Legal Description.28 AC LOT 19 (OUT 416-17 & 18)
Legal SubdivisionCEDAR RIDGE
Legal Phase1
Legal Lot Number19
JurisdictionEFFINGHAM GA
Township / Civil DivisionRINCON
Census Block Group2
Census Block2000
Census Tract30301

Owner

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

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

Owner of Record2 Individual Names on Record
Mailing Address105 CEDAR RIDGE DR, GUYTON, GA 31312-7144
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 15, 2021Deed of Trust, Mortgage · FHA Mortgage
PENNYMAC LOAN SERVICES
Jan 15, 2020Warranty Deed, Transfer · FHA Mortgage
HOMESTAR FINANCIAL

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 15, 2020 · Amount on Record
Deed SaleJan 15, 2020 · Amount on Record
Prior SaleJun 1, 2015 · Amount on Record
Deed Document Number2020136
Deed Book / Page2568 / 761
Transfer Doc0000001270
Record UpdatedOct 29, 2026

December 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionEFFINGHAM GA
Property Address105 CEDAR RIDGE DR, GUYTON, GA 31312-7144
Transaction TypeMortgage
Record UpdatedAug 3, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address105 CEDAR RIDGE DR, GUYTON, GA 31312-7144

Mortgage

Document Number0000002750/0000000464
DateDec 15, 2021
Book Page0000002750/0000000464
Instrument015127
Lender
NamePENNYMAC LOAN SERVICES
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJan 1, 2052

January 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionEFFINGHAM GA
Recording DateJan 15, 2020
Property Address105 CEDAR RIDGE DR, GUYTON, GA 31312-7144
Document Number002568/761
Book / Page2568 / 761
Instrument DateJan 15, 2020
Instrument2020-000136
Transaction TypeTransfer
Record UpdatedAug 3, 2022

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address105 CEDAR RIDGE DR, GUYTON, GA 31312-7144

Mortgage

Document Number0000002568/0000000763
DateJan 16, 2020
Book Page0000002568/0000000763
Instrument000504
Lender
NameHOMESTAR FINANCIAL
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJan 1, 2050

Tax Assessment & Valuation

Source: Effingham County assessment roll, as of December 22, 2025

Property Jurisdictions

TypeName
StateGeorgia
CountyEffingham County
Unified School DistrictEffingham County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$154,126 (+2.54%) Land $22,800 Building $131,326$385,316 (+2.54%) Land $57,000 Building $328,316
2025$3,755.00 (+8.28%) Homeowner's exemption$150,315 (-7.95%) Land $22,800 Building $127,515$375,788 (-7.95%) Land $57,000 Building $318,788
2024$3,468.00 (+3.46%) Homeowner's exemption$163,302 (+42.15%) Land $22,800 Building $140,502$408,255 (+42.15%) Land $57,000 Building $351,255
2022$3,352.00 Homeowner's exemption$114,878 Land $18,000 Building $96,878$287,194 Land $45,000 Building $242,194

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 40 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies40 in force
Nearby Flood Claims2 (2002–2009)
Claims Outside the SFHA1 of 2
Most Recent ClaimDec 2009 · rainfall accumulation

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 RiskModerate
above 57% of the US · above 86% of Georgia
Wildfire Likelihood0.1% annual chance
ExposureDirect
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 77 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Planters Rural Telephone Cooperative
Fiber		8,000 / 8,000
Xfinity
Cable		2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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