105 Settlers Point Dr, Guyton, GA 31312 Property Records

Effingham County property record for 105 Settlers Point Dr, Guyton, GA 31312

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,548 sqft · built 2006
Lot Size	0.64 acres (27,878 sqft)
Owner	2 Individual Names on File
Last Sale	$395,000 (Mar 2020)
Tax Bill	$5,629 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Jun 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0397C-003-000`

Property Details

APN / Parcel Number

Primary APN	`0397C-003-000`
Alternative APNs	`0080G003000` `0397C003` `12357`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,548 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Shed Roof
Roof Material	Fiberglass
Lot Area	27,878 sqft (0.64 acres)
Garage Type	Mixed
Garage Area	1,943 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Area	640 sqft
Porch	Patio
Porch Area	486 sqft
Deck Area	1,063 sqft
Patio Area	1,945 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	12357
Street Address	105 SETTLERS POINT DR
City	GUYTON
State	GA
Zip	31312-6596
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	.64 AC LOT 3 (OUT 80-47)
Legal Subdivision	SETTLERS POINT
Legal Lot Number	3
Jurisdiction	EFFINGHAM GA
Township / Civil Division	RINCON
Census Block Group	1
Census Block	1006
Census Tract	30404

Owner

105 Settlers Point Dr is owned and occupied by two individuals who bought it in March 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	105 SETTLERS POINT DR, GUYTON, GA 31312-6596
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
Apr 15, 2026	Deed of Trust, Mortgage ASSURANCE FINANCIAL GROUP LLC
Jun 14, 2018	Deed of Trust, Mortgage · Conventional Mortgage MAGNOLIA BANK
Mar 23, 2020	Warranty Deed, Transfer · Conventional Mortgage ANGEL OAK HOME LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 23, 2020 · Amount on File
Deed Sale	Mar 23, 2020 · Amount on File
Prior Sale	Aug 10, 2006 · Amount on File
Deed Document Number	2020824
Deed Book / Page	2582 / 820
Prior Transfer Date	Aug 1, 2008
Prior Transfer Doc	001778/390
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Recording Date	Apr 15, 2026
Property Address	105 SETTLERS POINT DR, GUYTON, GA 31312-6596
Document Number	0000003037/0000000584
Book / Page	3037 / 584
Instrument Date	Apr 10, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 SETTLERS POINT DR, GUYTON, GA 31312-6596

Mortgage

Document Number	3037000584,
Date	Apr 15, 2026
Book Page	3037/584

Lender

Name	ASSURANCE FINANCIAL GROUP LLC

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2056

Interest

Rate	6.11%
Max Rate	-1%

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	105 SETTLERS POINT DR, GUYTON, GA 31312-6596
Transaction Type	Mortgage
Record Updated	Aug 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002471/737
Date	Jun 14, 2018
Book Page	2471/737
Instrument	005094

Lender

Name	MAGNOLIA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jul 1, 2038

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Mar 23, 2020
Property Address	105 SETTLERS POINT DR, GUYTON, GA 31312-6596
Document Number	002582/820
Book / Page	2582 / 820
Instrument Date	Mar 23, 2020
Instrument	2020-000824
Transaction Type	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	105 SETTLERS POINT DR, GUYTON, GA 31312-6596

Mortgage

Document Number	0000002582/0000000822
Date	Mar 30, 2020
Book Page	0000002582/0000000822
Instrument	003021

Lender

Name	ANGEL OAK HOME LOANS

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 105 Settlers Point Dr was $5,629 with a homeowner's exemption, up 10.8% 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		$221,988 (-3.27%) Land $30,000 Building $191,988	$554,970 (-3.27%) Land $75,000 Building $479,970
2025	$5,629.00 (+10.81%) Homeowner's exemption	$229,496 (+13.27%) Land $30,000 Building $199,496	$573,739 (+13.27%) Land $75,000 Building $498,739
2024	$5,080.00 (+19.98%) Homeowner's exemption	$202,606 (+11.48%) Land $30,000 Building $172,606	$506,515 (+11.48%) Land $75,000 Building $431,515
2023	$4,234.00 (-13.82%) Homeowner's exemption	$181,744 (+1.11%) Land $20,800 Building $160,944	$454,359 (+1.11%) Land $52,000 Building $402,359
2022	$4,913.00 Homeowner's exemption	$179,744 Land $18,800 Building $160,944	$449,359 Land $47,000 Building $402,359

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 105 Settlers Point Dr 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	6 in force

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 105 Settlers Point Dr is moderate, ranking above 40% of the US, with a 0.06% annual chance of 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	0.06% 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 47 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

Cell Coverage

5G (outdoors only) and 4G LTE

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