108 Cotton Bluff Ct, Guyton, GA 31312 Property Records

Effingham County property record for 108 Cotton Bluff Ct, Guyton, GA 31312

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,747 sqft · built 2020
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Last Sale	$288,000 (Mar 2026)
Tax Bill	$522 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Jul 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0418F-412-000`

Property Details

APN / Parcel Number

Primary APN	`0418F-412-000`
Alternative APNs	`00930040000` `0418F412` `30267`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,747 sqft Heated Area
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2021
Exterior Material	Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,970 sqft (0.16 acres)
Garage Area	441 sqft
Porch	Patio
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	30267
Street Address	108 COTTON BLUFF CT
City	GUYTON
State	GA
Zip	31312-7540
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	.16 AC LOT 412 (OUT 419-2 )
Legal Subdivision	PARK WEST
Legal Phase	4C-1
Legal Lot Number	412
Jurisdiction	EFFINGHAM GA
Township / Civil Division	RINCON
Census Block Group	2
Census Block	2020
Census Tract	30403

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 COTTON BLUFF CT, GUYTON, GA 31312-7540
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2026	Limited Warranty Deed, Transfer TOWNEBANK MORTGAGE
Jul 15, 2020	Warranty Deed, Transfer
Jun 29, 2020	Limited Warranty Deed, Subdivision Related Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 2, 2026 · Amount on Record
Deed Sale	Mar 2, 2026 · Amount on Record
Prior Sale	Jun 29, 2020 · Amount on Record
Deed Book / Page	3027 / 65
Prior Transfer Date	Jul 15, 2020
Prior Transfer Doc	002606/455
Record Updated	Oct 29, 2026

March 2026: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Mar 2, 2026
Property Address	108 COTTON BLUFF CT, GUYTON, GA 31312-7540
Document Number	0003027/65
Book / Page	3027 / 65
Instrument Date	Feb 26, 2026
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 COTTON BLUFF CT, GUYTON, GA 31312-7540

Mortgage

Document Number	0000302767
Date	Mar 2, 2026
Instrument	3027/67

Lender

Name	TOWNEBANK MORTGAGE

Agreement

Amount	Amount Recorded
Term	358 Months
Due	Jan 1, 2056

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Jul 15, 2020
Property Address	108 COTTON BLUFF CT, GUYTON, GA 31312-7540
Document Number	002606/455
Book / Page	2606 / 455
Instrument Date	Jul 15, 2020
Instrument	2020-001898
Transaction Type	Transfer
Record Updated	Mar 7, 2023

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 COTTON BLUFF CT, GUYTON, GA 31312-7540

June 2020: Limited Warranty Deed, Subdivision Related Transfer

Document Type	Limited Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Jun 29, 2020
Property Address	108 COTTON BLUFF CT, GUYTON, GA 31312-7540
Document Number	002603/512
Book / Page	2603 / 512
Instrument Date	Jun 29, 2020
Instrument	2020-001776
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 7, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 COTTON BLUFF CT, GUYTON, GA 31312-7540

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		$128,869 (+3.68%) Land $22,800 Building $106,069	$322,173 (+3.68%) Land $57,000 Building $265,173
2025	$522.00 (-77.7%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$124,298 (+50.39%) Land $22,800 Building $101,498	$310,745 (+50.39%) Land $57,000 Building $253,745
2022	$2,341.00 Homeowner's exemption	$82,652 Land $16,000 Building $66,652	$206,630 Land $40,000 Building $166,630

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 49 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	49 in force

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 44% of the US · above 42% of Georgia
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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 115 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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