Effingham County property record for 108 Ruby Trl, Guyton, GA 31312 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 5 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2021 |
| Square Footage | 3,297 sqft Heated Area |
| Lot Size | 25,265 sqft (0.58 acres) |
| Garage | 520 sqft |
| Occupancy | Owner Occupied |
| Tax Bill | $4,905.00 (2025) |
| Primary APN | 0351A-005-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 3,297 sqft Heated Area |
| Stories | 2 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Fiber Cement Siding (Hardi-Board/Hardi-Plank) Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Fiberglass Roof |
| Lot Area | 25,265 sqft (0.58 acres) |
| Garage Area | 520 sqft Garage |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Central Heating |
| Account Number | 7314 |
|---|---|
| Street Address | 108 RUBY TRL |
| City | GUYTON |
| State | GA |
| Zip | 31312-7000 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | .58 AC LOT 5 (OUT 351-1) |
| Legal Subdivision | EMERALD PLANTATION |
| Legal Phase | 1 |
| Legal Block | I |
| Legal Lot Number | 5 |
| Jurisdiction | EFFINGHAM GA |
| Minor Civil Division | RINCON |
| Census Blockgroup | 2 |
| Census Block | 2006 |
| Census Tract | 30404 |
Source: Effingham County records · APN 0351A-005-000
Assessment roll updated December 22, 2025 · Last verified August 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 File |
|---|---|
| Mailing Address | 108 RUBY TRL, GUYTON, GA 31312-7000 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| May 21, 2018 | Deed of Trust, Mortgage · Conventional Mortgage FIDELITY BANK |
| Jun 05, 2020 | Deed of Trust, Mortgage · Commercial Mortgage CITIZENS BANK OF SWAINSBORO |
| Dec 31, 2021 | Warranty Deed, Transfer |
| Dec 22, 2021 | Limited Warranty Deed, Subdivision Related Transfer · Federal Housing Administration (FHA) Mortgage GUILD MORTGAGE |
| Oct 22, 2020 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage BROKER SOLUTIONS |
| Feb 05, 2020 | Warranty Deed, Transfer |
| Feb 05, 2020 | Warranty Deed, Transfer · Commercial Mortgage THE CITIZENS BANK OF SWAINSBORO |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 14, 2022 |
| Deed Sale | Jan 14, 2022 |
| Prior Sale | Dec 22, 2021 · Amount on Record |
| Deed Doc Number | 202299 |
| Deed Book / Page | 2757 / 83 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Property Address | 108 RUBY TRL, GUYTON, GA 31312-7000 |
| Transaction Type | Mortgage |
| Record Updated | Aug 03, 2022 |
| Name | Verified Name |
|---|
| Document Number | 002467/213 |
|---|---|
| Date | May 21, 2018 |
| Book Page | 2467/213 |
| Instrument | 004297 |
| Name | FIDELITY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jun 01, 2019 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Property Address | 108 RUBY TRL, GUYTON, GA 31312-7000 |
| Transaction Type | Mortgage |
| Record Updated | Aug 03, 2022 |
| Name | Verified Name |
|---|---|
| Address | 108 RUBY TRL, GUYTON, GA 31312-7000 |
| Document Number | 0000002597/0000000080 |
|---|---|
| Date | Jun 05, 2020 |
| Book Page | 0000002597/0000000080 |
| Instrument | 005308 |
| Name | CITIZENS BANK OF SWAINSBORO |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jan 01, 2021 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Recording Date | Dec 31, 2021 |
| Property Address | 108 RUBY TRL, GUYTON, GA 31312-7000 |
| Document Number | 0002757/83 |
| Book / Page | 2757 / 83 |
| Instrument Date | Dec 31, 2021 |
| Instrument | 2022-000099 |
| Transaction Type | Transfer |
| Record Updated | Aug 03, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 37 W FAIRMONT AVE, SAVANNAH, GA 31406-3455 |
| Investor | Possibly a Property Investor |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Recording Date | Dec 22, 2021 |
| Property Address | 108 RUBY TRL, GUYTON, GA 31312-7000 |
| Document Number | 002753/117 |
| Book / Page | 2753 / 117 |
| Instrument Date | Dec 22, 2021 |
| Instrument | 2021-004186 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 03, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 109 BRETTS CT, GUYTON, GA 31312-5773 |
| Document Number | 0000002753/0000000119 |
|---|---|
| Date | Dec 28, 2021 |
| Book Page | 0000002753/0000000119 |
| Instrument | 015576 |
| Name | GUILD MORTGAGE |
|---|
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Recording Date | Oct 22, 2020 |
| Property Address | 108 RUBY TRL, GUYTON, GA 31312-7000 |
| Document Number | 002632/358 |
| Book / Page | 2632 / 358 |
| Instrument Date | Oct 22, 2020 |
| Instrument | 2020-003061 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 03, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 108 RUBY TRL, GUYTON, GA 31312-7000 |
| Document Number | 0000002632/0000000360 |
|---|---|
| Date | Oct 22, 2020 |
| Book Page | 0000002632/0000000360 |
| Instrument | 010945 |
| Name | BROKER SOLUTIONS |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Recording Date | Feb 05, 2020 |
| Property Address | 108 RUBY TRL, GUYTON, GA 31312-7000 |
| Document Number | 002573/279 |
| Book / Page | 2573 / 279 |
| Instrument Date | Feb 05, 2020 |
| Instrument | 2020-000357 |
| Transaction Type | Transfer |
| Record Updated | Aug 03, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 37 W FAIRMONT AVE STE 206, 206, SAVANNAH, GA 31406-3457 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Recording Date | Feb 05, 2020 |
| Property Address | 108 RUBY TRL, GUYTON, GA 31312-7000 |
| Document Number | 002573/133 |
| Book / Page | 2573 / 133 |
| Instrument Date | Feb 05, 2020 |
| Instrument | 2020-000345 |
| Transaction Type | Transfer |
| Record Updated | Aug 03, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 1247, RICHMOND HILL, GA 31324-1247 |
| Investor | Possibly a Property Investor |
| Document Number | 0000002573/0000000284 |
|---|---|
| Date | Feb 10, 2020 |
| Book Page | 0000002573/0000000284 |
| Instrument | 001303 |
| Name | THE CITIZENS BANK OF SWAINSBORO |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jan 01, 2021 |
Source: Effingham County records · Assessment roll updated December 22, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Georgia |
| County | Effingham County |
| Unified School District | Effingham County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,905.00 (+11.17%) Homeowner's exemption | $213,246 (+8.02%) Land $30,000 Building $183,246 | $533,115 (+8.02%) Land $75,000 Building $458,115 |
| 2024 | $4,412.00 (+22.28%) Homeowner's exemption | $197,413 (+12.89%) Land $30,000 Building $167,413 | $493,532 (+12.89%) Land $75,000 Building $418,532 |
| 2023 | $3,608.00 (-14.87%) Homeowner's exemption | $174,876 (+1.16%) Land $20,800 Building $154,076 | $437,190 (+1.16%) Land $52,000 Building $385,190 |
| 2022 | $4,238.00 Homeowner's exemption | $172,876 Land $18,800 Building $154,076 | $432,190 Land $47,000 Building $385,190 |
Source: FEMA National Flood Hazard Layer, Effingham County (13103C), updated October 1, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 54% of the US · above 77% of Georgia |
|---|---|
| Wildfire Likelihood | About 1 in 833 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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