Effingham County property record for 108 Saddle Ln, Guyton, GA 31312
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,680 sqft · built 1990 |
| Lot Size | 0.69 acres (30,056 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $208,000 (Dec 2017) |
| Tax Bill | $2,735 (2025) |
| Deeds & Mortgages | Jul 2024 Line of Credit Oct 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0435B-030-000 |
| Primary APN | 0435B-030-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,680 sqft Heated Area |
| Utility Area | 91 sqft |
| Utility Room | Utility Room |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Brick Veneer |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Shed Roof |
| Roof Material | Composition Shingle |
| Lot Area | 30,056 sqft (0.69 acres) |
| Garage Area | 449 sqft |
| Porch | Slab |
| Porch Area | 260 sqft |
| Lean-To | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 16206 |
|---|---|
| Street Address | 108 SADDLE LN |
| City | GUYTON |
| State | GA |
| Zip | 31312-6248 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | .69 AC LOT 30 |
| Legal Subdivision | SADDLEBROOK |
| Legal Lot Number | 30 |
| Jurisdiction | EFFINGHAM GA |
| Township / Civil Division | RINCON |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 30301 |
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 SADDLE LN, GUYTON, GA 31312-6248 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 31, 2024 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING |
| Oct 11, 2021 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES |
| Dec 15, 2017 | Warranty Deed, Transfer |
| Dec 15, 2017 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 15, 2017 · Amount on Record |
| Deed Sale | Dec 15, 2017 · Amount on Record |
| Deed Document Number | 20173448 |
| Deed Book / Page | 2443 / 554 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Property Address | 108 SADDLE LN, GUYTON, GA 31312-6248 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2025 |
| Name | Verified Name |
|---|---|
| Address | 108 SADDLE LN, GUYTON, GA 31312-6248 |
| Document Number | 0000002923/0000000229 |
|---|---|
| Date | Jul 31, 2024 |
| Book Page | 0000002923/0000000229 |
| Name | FIGURE LENDING |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Property Address | 108 SADDLE LN, GUYTON, GA 31312-6248 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2022 |
| Name | Verified Name |
|---|---|
| Address | 108 SADDLE LN, GUYTON, GA 31312-6248 |
| Document Number | 0000002732/0000000023 |
|---|---|
| Date | Oct 11, 2021 |
| Book Page | 0000002732/0000000023 |
| Instrument | 012382 |
| Name | PENNYMAC LOAN SERVICES |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 324 Months |
| Due | Jan 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Recording Date | Dec 15, 2017 |
| Property Address | 108 SADDLE LN, GUYTON, GA 31312-6248 |
| Document Number | 002443/552 |
| Book / Page | 2443 / 552 |
| Instrument Date | Dec 15, 2017 |
| Instrument | 2017-003447 |
| Transaction Type | Transfer |
| Record Updated | Mar 22, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 108 SADDLE LN, GUYTON, GA 31312-6248 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Recording Date | Dec 15, 2017 |
| Property Address | 108 SADDLE LN, GUYTON, GA 31312-6248 |
| Document Number | 002443/554 |
| Book / Page | 2443 / 554 |
| Instrument Date | Dec 15, 2017 |
| Instrument | 2017-003448 |
| Transaction Type | Transfer |
| Record Updated | Mar 22, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 108 SADDLE LN, GUYTON, GA 31312-6248 |
| Document Number | 002443/557 |
|---|---|
| Date | Dec 22, 2017 |
| Book Page | 2443/557 |
| Instrument | 011346 |
| Name | MORTGAGE RESEARCH CENTER |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2048 |
Source: Effingham County assessment roll, as of December 22, 2025
| Type | Name |
|---|---|
| State | Georgia |
| County | Effingham County |
| Unified School District | Effingham County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $116,527 (%) Land $22,800 Building $93,727 | $291,319 (-) Land $57,000 Building $234,319 | |
| 2025 | $2,735.00 (+10.77%) Homeowner's exemption Veteran's exemption | $116,528 (+6.87%) Land $22,800 Building $93,728 | $291,319 (+6.87%) Land $57,000 Building $234,319 |
| 2024 | $2,469.00 (+0.49%) Homeowner's exemption | $109,038 (+48.65%) Land $22,800 Building $86,238 | $272,596 (+48.65%) Land $57,000 Building $215,596 |
| 2022 | $2,457.00 | $73,353 Land $18,800 Building $54,553 | $183,383 Land $47,000 Building $136,383 |
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.
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 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 91% of Georgia |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SADDLEBROOK SUBDIVISION private · serves 398 people · EPA ID GA1030093 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2025 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 75 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 | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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