108 Broken Bit Cir, Guyton, GA 31312 Property Records

Effingham County property record for 108 Broken Bit Cir, Guyton, GA 31312

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,668 sqft · built 2013
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$475,000 (Jul 2026)
Tax Bill	$4,080 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Mar 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0416A-263-000`

Property Details

APN / Parcel Number

Primary APN	`0416A-263-000`
Alternative APNs	`0416A263` `13958`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	3,668 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Fiberglass
Lot Area	10,019 sqft (0.23 acres)
Garage Area	504 sqft
Porch	Patio
Porch Area	102 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	13958
Street Address	108 BROKEN BIT CIR
City	GUYTON
State	GA
Zip	31312-7140
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	.23 AC LOT 263 (OUT 416-20A)
Legal Subdivision	SADDLECLUB @ BELMONT
Legal Lot Number	263
Jurisdiction	EFFINGHAM GA
Township / Civil Division	RINCON
Census Block Group	2
Census Block	2000
Census Tract	30301

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	2 Individual Names on Record
Mailing Address	108 BROKEN BIT CIR, GUYTON, GA 31312-7140
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 9, 2026	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE RESEARCH
Mar 22, 2024	Deed of Trust, Mortgage · Closed-End Mortgage US BANK
Nov 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage US BANK
Oct 18, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2026 · Amount on Record
Deed Sale	Jul 9, 2026 · Amount on Record
Prior Sale	Jul 26, 2013 · Amount on Record
Deed Document Number	20266012
Deed Book / Page	3055 / 969
Prior Transfer Date	Oct 18, 2021
Prior Transfer Doc	002744/570
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Jul 9, 2026
Property Address	108 BROKEN BIT CIR, GUYTON, GA 31312-7140
Document Number	0000006012
Book / Page	3055 / 969
Instrument Date	Jun 12, 2026
Instrument	20266012
Transaction Type	Transfer
Record Updated	Aug 10, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 BROKEN BIT CIR, GUYTON, GA 31312-7140

Mortgage

Document Number	0000006013,
Date	Jul 9, 2026
Book Page	3055/972
Instrument	20266013

Lender

Name	MORTGAGE RESEARCH

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.36%
Max Rate	-1%

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	108 BROKEN BIT CIR, GUYTON, GA 31312-7140
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 BROKEN BIT CIR, GUYTON, GA 31312-7140

Mortgage

Document Number	0000002901/0000000041
Date	Mar 22, 2024
Book Page	0000002901/0000000041

Lender

Name	US BANK

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jan 1, 2034

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	108 BROKEN BIT CIR, GUYTON, GA 31312-7140
Transaction Type	Mortgage
Record Updated	Aug 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 BROKEN BIT CIR, GUYTON, GA 31312-7140

Mortgage

Document Number	0000002744/0000000573
Date	Nov 23, 2021
Book Page	0000002744/0000000573
Instrument	014179

Lender

Name	US BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2036

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Oct 18, 2021
Property Address	108 BROKEN BIT CIR, GUYTON, GA 31312-7140
Document Number	002744/570
Book / Page	2744 / 570
Instrument Date	Oct 18, 2021
Instrument	2021-003403
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 BROKEN BIT CIR, GUYTON, GA 31312-7140

Tax Assessment & Valuation

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		$191,194 (+7.91%) Land $22,800 Building $168,394	$477,984 (+7.91%) Land $57,000 Building $420,984
2025	$4,080.00 (+8.66%) Homeowner's exemption	$177,174 (-0.72%) Land $22,800 Building $154,374	$442,934 (-0.72%) Land $57,000 Building $385,934
2024	$3,755.00 (+25.38%) Homeowner's exemption	$178,457 (+5.59%) Land $22,800 Building $155,657	$446,143 (+5.59%) Land $57,000 Building $389,143
2023	$2,995.00 (-14.89%) Homeowner's exemption	$169,010 (+17.34%) Land $18,800 Building $150,210	$422,524 (+17.34%) Land $47,000 Building $375,524
2022	$3,519.00 Homeowner's exemption	$144,038 Land $18,000 Building $126,038	$360,095 Land $45,000 Building $315,095

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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	0.06% 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 206 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	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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