Effingham County property record for 106 Concord Dr, Guyton, GA 31312
| Property Type | Residential Vacant Land |
|---|---|
| Details | 4 bd · 3 ba · 4,300 sqft · built 2024 |
| Lot Size | 0.38 acres (16,553 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $592,000 (May 2026) |
| Tax Bill | $921 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage Apr 2024 Construction Loan + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 00510023A00 |
| Primary APN | 00510023A00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 4,300 sqft Living Area |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2025 |
| Exterior Material | Composition/Composite |
| Roof Material | Fiberglass |
| Lot Area | 16,553 sqft (0.38 acres) |
| Garage Area | 720 sqft |
| Cooling System | Central |
|---|
| Account Number | 32883 |
|---|---|
| Street Address | 106 CONCORD DR |
| City | GUYTON |
| State | GA |
| Zip | 31312-6678 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Local Zoning Code | R-1 |
| Legal Description | .3822 AC LOT 212 (OUT 352-37) PLT 29/670 |
| Legal Subdivision | COVERED BRIDGE |
| Legal Phase | 3 |
| Legal Lot Number | 212 |
| Jurisdiction | EFFINGHAM GA |
| Township / Civil Division | RINCON |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 30401 |
Source: Effingham County records, as of October 20, 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 CONCORD DR, GUYTON, GA 31312-6678 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 12, 2026 | Warranty Deed, Transfer · Conventional Mortgage MORTGAGE MORTGAGE |
| Apr 30, 2024 | Deed of Trust, Mortgage · Construction Mortgage COLONY BANK |
| Jun 5, 2025 | Deed of Trust, Mortgage · Construction Mortgage COLONY BANK |
| Mar 11, 2025 | Deed of Trust, Mortgage · Construction Mortgage RENASANT BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 12, 2026 · Amount on Record |
| Deed Sale | May 12, 2026 · Amount on Record |
| Deed Book / Page | 3043 / 414 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Recording Date | May 12, 2026 |
| Property Address | 106 CONCORD DR, GUYTON, GA 31312-6678 |
| Document Number | 003043/414 |
| Book / Page | 3043 / 414 |
| Instrument Date | May 11, 2026 |
| Transaction Type | Transfer |
| Record Updated | Jul 13, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 106 CONCORD DR, GUYTON, GA 31312-6678 |
| Investor | Possibly a Property Investor |
| Document Number | 3043000416, |
|---|---|
| Date | May 12, 2026 |
| Book Page | 3043/416 |
| Name | MORTGAGE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Property Address | 106 CONCORD DR, GUYTON, GA 31312-6678 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000002907/0000000265 |
|---|---|
| Date | Apr 30, 2024 |
| Book Page | 0000002907/0000000265 |
| Name | COLONY BANK |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jan 1, 2025 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Property Address | 106 CONCORD DR, GUYTON, GA 31312-6678 |
| Transaction Type | Mortgage |
| Record Updated | Oct 3, 2025 |
| Name | Verified Name |
|---|---|
| Address | 106 CONCORD DR, GUYTON, GA 31312-6678 |
| Document Number | 0000002976/0000000864 |
|---|---|
| Date | Jun 5, 2025 |
| Book Page | 0000002976/0000000864 |
| Instrument | D2025004365 |
| Name | COLONY BANK |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jan 1, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Property Address | 106 CONCORD DR, GUYTON, GA 31312-6678 |
| Transaction Type | Mortgage |
| Record Updated | Oct 3, 2025 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 1628, SPRINGFIELD, GA 31329-1628 |
| Document Number | 0000002961/0000000173 |
|---|---|
| Date | Mar 11, 2025 |
| Book Page | 0000002961/0000000173 |
| Instrument | D2025001824 |
| Name | RENASANT BANK |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jan 1, 2026 |
Source: Effingham County assessment roll, as of December 22, 2025
| Type | Name |
|---|---|
| State | Georgia |
| County | Effingham County |
| Unified School District | Effingham County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $226,526 (+626.04%) Land $44,800 Building $181,726 | $566,314 (+626.04%) Land $112,000 Building $454,314 | |
| 2025 | $921.00 | $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.
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 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 56% of the US · above 83% 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.
Source: FCC Broadband Data Collection, based on 2 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 |
| Verizon Fixed Wireless | 300 / 20 |
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