Effingham County property record for 106 Saddle Ln, Guyton, GA 31312
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,561 sqft · built 1991 |
| Lot Size | 0.695 acres (30,283 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $330,375 (Jul 2026) |
| Tax Bill | $2,575 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0435B-031-000 |
| Primary APN | 0435B-031-000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,561 sqft Heated Area |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Exterior Material | Brick Veneer |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Shed Roof |
| Roof Material | Composition Shingle |
| Lot Area | 30,283 sqft (0.695 acres) |
| Garage Area | 527 sqft |
| Porch | Patio |
| Porch Area | 220 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 16207 |
|---|---|
| Street Address | 106 SADDLE LN |
| City | GUYTON |
| State | GA |
| Zip | 31312-6248 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | LOT 31 |
| Legal Subdivision | SADDLEBROOK |
| Legal Phase | 2 |
| Legal Block | II |
| Legal Lot Number | 31 |
| Jurisdiction | EFFINGHAM GA |
| Township / Civil Division | RINCON |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 30301 |
106 Saddle Ln is owned and occupied by two individuals who bought it in July 2026.
Source: Effingham County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 106 SADDLE LN, GUYTON, GA 31312-6248 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 2, 2026 · Amount on File |
| Deed Sale | Jul 2, 2026 · Amount on File |
| Prior Sale | Jun 25, 2025 · Amount on File |
| Deed Document Number | 20265833 |
| Deed Book / Page | 3054 / 719 |
| Record Updated | Oct 29, 2026 |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Recording Date | Jul 2, 2026 |
| Property Address | 106 SADDLE LN, GUYTON, GA 31312-6248 |
| Document Number | 0000005833 |
| Book / Page | 3054 / 719 |
| Instrument Date | Jun 30, 2026 |
| Instrument | 20265833 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 106 SADDLE LN, GUYTON, GA 31312-6248 |
| Document Number | 3054000721, |
|---|---|
| Date | Jul 2, 2026 |
| Book Page | 3054/721 |
| Name | GUILD MORTGAGE |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate | 6.48% |
|---|---|
| Max Rate | -1% |
The 2025 property tax bill for 106 Saddle Ln was $2,575 with a homeowner's exemption, up 10.8% from the year before.
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 | $133,355 (+32.9%) Land $22,800 Building $110,555 | $333,388 (+32.9%) Land $57,000 Building $276,388 | |
| 2025 | $2,575.00 (+10.75%) Homeowner's exemption | $100,343 (+8.57%) Land $22,800 Building $77,543 | $250,858 (+8.57%) Land $57,000 Building $193,858 |
| 2024 | $2,325.00 Homeowner's exemption | $92,423 Land $22,800 Building $69,623 | $231,057 Land $57,000 Building $174,057 |
| 2022 | $2,036.00 Homeowner's exemption | $61,417 Land $18,800 Building $42,617 | $153,542 Land $47,000 Building $106,542 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 106 Saddle Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2002.
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 File 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 risk around 106 Saddle Ln is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 91% of Georgia |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SADDLEBROOK SUBDIVISION private · serves 398 people · EPA ID GA1030093 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2025 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 75 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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