107 Covenant Ln, Springfield, GA 31329 Property Records

Effingham County property record for 107 Covenant Ln, Springfield, GA 31329

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,924 sqft · built 2006
Lot Size	1.8 acres (78,408 sqft)
Owner	Individual Name on Record
Last Sale	$180,000 (Dec 2019)
Tax Bill	$3,730 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Dec 2019 Sale
Flood Zone	Zone AE (high risk)
APN	`S1140-038-000`

Property Details

APN / Parcel Number

Primary APN	`S1140-038-000`
Alternative APNs	`0075F038000` `S1140038` `26916`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,924 sqft Heated Area
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Shed Roof
Roof Material	Fiberglass
Lot Area	78,408 sqft (1.8 acres)
Garage Area	864 sqft

Exterior Amenities

Porch	Slab
Porch Area	125 sqft
Deck Area	256 sqft
Patio Area	256 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	26916
Street Address	107 COVENANT LN
City	SPRINGFIELD
State	GA
Zip	31329-4234
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	1.80 AC LOT 38 (OUT 75-44)
Legal Subdivision	CEDAR CREEK
Legal Phase	2
Legal Block	2
Legal Lot Number	38
Jurisdiction	EFFINGHAM GA
Township / Civil Division	GUYTON-SPRINGFIELD
Census Block Group	2
Census Block	2009
Census Tract	30205

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	Individual Name on Record
Mailing Address	107 COVENANT LN, SPRINGFIELD, GA 31329-4234
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2026	Deed of Trust, Mortgage FIRST CITIZENS BANK
Dec 20, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 20, 2019 · Amount on Record
Deed Sale	Dec 20, 2019 · Amount on Record
Prior Sale	Aug 30, 2016 · Amount on Record
Deed Document Number	20193480
Deed Book / Page	2564 / 754
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Recording Date	Apr 28, 2026
Property Address	107 COVENANT LN, SPRINGFIELD, GA 31329-4234
Document Number	0000003040/0000000171
Book / Page	3040 / 171
Instrument Date	Apr 14, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 COVENANT LN, SPRINGFIELD, GA 31329-4234
Investor	Possibly a Property Investor

Mortgage

Document Number	3040000171,
Date	Apr 28, 2026
Book Page	3040/171

Lender

Name	FIRST CITIZENS BANK

Agreement

Amount	Amount Recorded
Term	300 Months
Due	Apr 1, 2051

Interest

Rate	6.22%
Max Rate	-1%

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Dec 20, 2019
Property Address	107 COVENANT LN, SPRINGFIELD, GA 31329-4234
Document Number	002564/754
Book / Page	2564 / 754
Instrument Date	Dec 20, 2019
Instrument	2019-003480
Transaction Type	Transfer
Record Updated	Mar 22, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 COVENANT LN, SPRINGFIELD, GA 31329-4234

Tax Assessment & Valuation

Source: Effingham County assessment roll, as of December 22, 2025

Property Jurisdictions

Type	Name
State	Georgia
County	Effingham County
Municipality	Springfield City
Unified School District	Effingham County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$119,646 (-3.23%) Land $22,800 Building $96,846	$299,115 (-3.23%) Land $57,000 Building $242,115
2025	$3,730.00 (+9.61%) Homeowner's exemption	$123,642 (+12.64%) Land $22,800 Building $100,842	$309,105 (+12.64%) Land $57,000 Building $252,105
2024	$3,403.00 (+3.72%) Homeowner's exemption	$109,766 (+13.66%) Land $22,800 Building $86,966	$274,416 (+13.66%) Land $57,000 Building $217,416
2022	$3,281.00	$96,571 Land $16,000 Building $80,571	$241,428 Land $40,000 Building $201,428

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 36 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	36 in force
Nearby Flood Claims	3 (2024)
Most Recent Claim	Aug 2024 · Tropical Storm Debby
Claims by Event	Tropical Storm Debby, Aug 2024 · 3 claims

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	Low lower than 64% of the US · lower than 85% of Georgia
Wildfire Likelihood	0.05% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SPRINGFIELD serves 3,100 people · EPA ID GA1030002
Water Source	Groundwater
Last State Inspection	Mar 2023
Lead	4 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 91 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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