106 Cedar Rdg Dr, Guyton, GA 31312 Property Records

Effingham County property record for 106 Cedar Rdg Dr, Guyton, GA 31312

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,192 sqft · built 2015
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on Record
Last Sale	$390,000 (Dec 2025)
Tax Bill	$4,287 (2025)
Deeds & Mortgages	Dec 2019 Mortgage Dec 2025 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0416B-004-000`

Property Details

APN / Parcel Number

Primary APN	`0416B-004-000`
Alternative APNs	`00790045000` `0416B004` `27616`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,192 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2016
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Fiberglass
Lot Area	12,197 sqft (0.28 acres)
Garage Area	400 sqft

Exterior Amenities

Porch	Slab
Porch Area	192 sqft
Deck Area	144 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	27616
Street Address	106 CEDAR RIDGE DR
City	GUYTON
State	GA
Zip	31312-7144
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	.28 AC LOT 4 (OUT 416-17)
Legal Subdivision	CEDAR RIDGE
Legal Phase	1
Legal Lot Number	4
Jurisdiction	EFFINGHAM GA
Township / Civil Division	RINCON
Census Block Group	2
Census Block	2000
Census Tract	30301

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 Record	2 Individual Names on Record
Mailing Address	106 CEDAR RIDGE DR, GUYTON, GA 31312-7144
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2019	Deed of Trust, Mortgage · Conventional Mortgage TOWNE MORTGAGE OF THE CAROLINAS
Dec 2, 2025	Warranty Deed, Transfer · FHA Mortgage MORTGAGE RESEARCH CENTER
Jul 9, 2020	Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCE
Aug 3, 2015	Warranty Deed, Subdivision Related Transfer · FHA Mortgage PRIMARY CAPITAL
Dec 12, 2014	Warranty Deed, Transfer · Conventional Mortgage AFB & T

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 2, 2025 · Amount on Record
Deed Sale	Dec 2, 2025 · Amount on Record
Prior Sale	Jul 9, 2020 · Amount on Record
Deed Book / Page	3010 / 783
Transfer Doc	0000001270
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	106 CEDAR RIDGE DR, GUYTON, GA 31312-7144
Transaction Type	Mortgage
Record Updated	Feb 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 CEDAR RIDGE DR, GUYTON, GA 31312-7144

Mortgage

Document Number	0000002561/0000000233
Date	Dec 10, 2019
Book Page	0000002561/0000000233
Instrument	010405

Lender

Name	TOWNE MORTGAGE OF THE CAROLINAS

Agreement

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

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Dec 2, 2025
Property Address	106 CEDAR RIDGE DR, GUYTON, GA 31312-7144
Document Number	003010/783
Book / Page	3010 / 783
Instrument Date	Dec 1, 2025
Transaction Type	Transfer
Record Updated	Feb 18, 2026

Transaction

Amount	Amount Recorded
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	106 CEDAR RIDGE DR, GUYTON, GA 31312-7144

Mortgage

Document Number	0003010785
Date	Dec 2, 2025
Instrument	3010/785

Lender

Name	MORTGAGE RESEARCH CENTER

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Jul 9, 2020
Property Address	106 CEDAR RIDGE DR, GUYTON, GA 31312-7144
Document Number	002605/434
Book / Page	2605 / 434
Instrument Date	Jul 9, 2020
Instrument	2020-001849
Transaction Type	Transfer
Record Updated	Aug 3, 2022

Transaction

Amount	Amount Recorded
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	106 CEDAR RIDGE DR, GUYTON, GA 31312-7144

Mortgage

Document Number	0000002605/0000000436
Date	Jul 10, 2020
Book Page	0000002605/0000000436
Instrument	006697

Lender

Name	AMERICAN FINANCE

Agreement

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

August 2015: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Aug 3, 2015
Property Address	106 CEDAR RIDGE DR, GUYTON, GA 31312-7144
Document Number	002304/809
Book / Page	2304 / 809
Instrument Date	Aug 3, 2015
Instrument	2015-001939
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 3, 2022

Transaction

Amount	Amount Recorded
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

Mortgage

Document Number	002304/812
Date	Aug 7, 2015
Book Page	2304/812
Instrument	006424

Lender

Name	PRIMARY CAPITAL
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2045

December 2014: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Dec 12, 2014
Property Address	106 CEDAR RIDGE DR, GUYTON, GA 31312-7144
Document Number	002271/953
Book / Page	2271 / 953
Instrument Date	Dec 12, 2014
Instrument	2014-002988
Transaction Type	Transfer
Record Updated	Aug 3, 2022

Transaction

Amount	Amount Recorded
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	924 STEVENS CREEK RD, AUGUSTA, GA 30907-4899

Mortgage

Document Number	002271/954
Date	Dec 19, 2014
Book Page	2271/954
Instrument	009057

Lender

Name	AFB & T

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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		$170,982 (+11.44%) Land $22,800 Building $148,182	$427,454 (+11.44%) Land $57,000 Building $370,454
2025	$4,287.00 (+8.37%) Homeowner's exemption	$153,426 (-9.84%) Land $22,800 Building $130,626	$383,564 (-9.84%) Land $57,000 Building $326,564
2024	$3,956.00 (+15.71%) Homeowner's exemption	$170,172 (+41.93%) Land $22,800 Building $147,372	$425,431 (+41.93%) Land $57,000 Building $368,431
2022	$3,419.00 Homeowner's exemption	$119,901 Land $18,000 Building $101,901	$299,753 Land $45,000 Building $254,753

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 40 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	40 in force
Nearby Flood Claims	2 (2002–2009)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Dec 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 Risk	Moderate above 57% of the US · above 86% of Georgia
Wildfire Likelihood	0.1% 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 77 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cedar Rdg Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures