Effingham County property record for 106 Joyce Cv, Guyton, GA 31312
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,704 sqft · built 2015 |
| Lot Size | 0.56 acres (24,394 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $255,000 (Dec 2015) |
| Tax Bill | $4,499 (2025) |
| Deeds & Mortgages | Jun 2023 Second Mortgage Jan 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0436D-043-000 |
| Primary APN | 0436D-043-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,704 sqft Heated Area |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Brick Veneer |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Fiberglass |
| Lot Area | 24,394 sqft (0.56 acres) |
| Garage Area | 420 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 30 sqft |
| Deck Area | 376 sqft |
| Patio Area | 165 sqft |
| Utility Building | 840 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 28278 |
|---|---|
| Street Address | 106 JOYCE CV |
| City | GUYTON |
| State | GA |
| Zip | 31312-6147 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | .56 AC LOT 43 OUT OF 436-5 |
| Legal Subdivision | RABUN ESTATES |
| Legal Phase | 3 |
| Legal Lot Number | 43 |
| Jurisdiction | EFFINGHAM GA |
| Township / Civil Division | RINCON |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 30301 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 106 JOYCE CV, GUYTON, GA 31312-6147 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 12, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FEDERAL CREDIT UNION |
| Jan 13, 2022 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 4, 2015 · Amount on Record |
| Deed Sale | Dec 4, 2015 · Amount on Record |
| Prior Sale | Apr 15, 2015 · Amount on Record |
| Deed Document Number | 20153076 |
| Deed Book / Page | 2325 / 598 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Property Address | 106 JOYCE CV, GUYTON, GA 31312-6147 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2025 |
| Name | Verified Name |
|---|---|
| Address | 106 JOYCE CV, GUYTON, GA 31312-6147 |
| Investor | Possibly a Property Investor |
| Document Number | 0000002853/0000000353 |
|---|---|
| Date | Jun 12, 2023 |
| Book Page | 0000002853/0000000353 |
| Instrument | 004764 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jan 1, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Property Address | 106 JOYCE CV, GUYTON, GA 31312-6147 |
| Transaction Type | Mortgage |
| Record Updated | Aug 3, 2022 |
| Name | Verified Name |
|---|---|
| Address | 106 JOYCE CV, GUYTON, GA 31312-6147 |
| Document Number | 0000002756/0000000853 |
|---|---|
| Date | Jan 13, 2022 |
| Book Page | 0000002756/0000000853 |
| Instrument | 000388 |
| Name | PENNYMAC LOAN SERVICES |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2052 |
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 | $171,197 (-1.23%) Land $30,000 Building $141,197 | $427,993 (-1.23%) Land $75,000 Building $352,993 | |
| 2025 | $4,499.00 (+7.68%) Homeowner's exemption | $173,325 (+6.36%) Land $30,000 Building $143,325 | $433,313 (+6.36%) Land $75,000 Building $358,313 |
| 2024 | $4,178.00 (+1.26%) Homeowner's exemption | $162,957 (+6.13%) Land $30,000 Building $132,957 | $407,393 (+6.13%) Land $75,000 Building $332,393 |
| 2022 | $4,126.00 Homeowner's exemption | $153,550 Land $20,000 Building $133,550 | $383,875 Land $50,000 Building $333,875 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Flood Insurance Cost | Premium on Record median of 15 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 2 (2020) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Nov 2020 · other causes |
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 | Low lower than 64% of the US · lower than 87% of Georgia |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 60 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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