108 Black Gum Dr, Springfield, GA 31329 Property Records

Effingham County property record for 108 Black Gum Dr, Springfield, GA 31329

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,606 sqft · built 2014
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on File
Last Sale	$130,000 (Nov 2014)
Tax Bill	$2,222 (2025)
Deeds & Mortgages	Jun 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0428C-318-000`

Property Details

APN / Parcel Number

Primary APN	`0428C-318-000`
Alternative APNs	`0428C318` `15640`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,606 sqft Heated Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2015
Exterior Material	Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,197 sqft (0.28 acres)
Garage Area	324 sqft
Porch	Slab
Porch Area	15 sqft
Deck Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	15640
Street Address	108 BLACK GUM DR
City	SPRINGFIELD
State	GA
Zip	31329-5132
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	.28 AC LOT 318 OUT 428-17
Legal Subdivision	SHADOWBROOK
Legal Phase	3B
Legal Block	IIIB
Legal Lot Number	318
Jurisdiction	EFFINGHAM GA
Township / Civil Division	GUYTON-SPRINGFIELD
Census Block Group	1
Census Block	1005
Census Tract	30205

Owner

108 Black Gum Dr is owned and occupied by an individual who bought it in November 2014.

Source: Effingham County records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	108 BLACK GUM DR, SPRINGFIELD, GA 31329-5132
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 20, 2014 · Amount on File
Deed Sale	Nov 20, 2014 · Amount on File
Prior Sale	Mar 28, 2014 · Amount on File
Deed Document Number	20142746
Deed Book / Page	2268 / 667
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	108 BLACK GUM DR, SPRINGFIELD, GA 31329-5132
Transaction Type	Mortgage
Record Updated	Oct 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 BLACK GUM DR, SPRINGFIELD, GA 31329-5132

Mortgage

Document Number	0000002787/0000000079
Date	Jun 1, 2022
Book Page	0000002787/0000000079
Instrument	005485

Lender

Name	UNITED STATES OF AMERICA

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	264 Months
Due	Jan 1, 2044

Tax Assessment & Valuation

The 2025 property tax bill for 108 Black Gum Dr was $2,222 with a homeowner's exemption, up 10.8% from the year before.

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		$101,646 (-) Land $22,800 Building $78,846	$254,116 (-) Land $57,000 Building $197,116
2025	$2,222.00 (+10.82%) Homeowner's exemption	$101,646 (+5.49%) Land $22,800 Building $78,846	$254,116 (+5.49%) Land $57,000 Building $197,116
2024	$2,005.00 Homeowner's exemption	$96,356 Land $22,800 Building $73,556	$240,889 Land $57,000 Building $183,889
2022	$1,866.00 Homeowner's exemption	$77,310 Land $15,200 Building $62,110	$193,275 Land $38,000 Building $155,275

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

Flood

FEMA maps place 108 Black Gum Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2024.

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 14 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	14 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

Wildfire risk around 108 Black Gum Dr is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · lower than 73% of Georgia
Wildfire Likelihood	0.07% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 250 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Windstream DSL · Fiber in parts of the area	300 / 20