108 Watson Mill Rd, Guyton, GA 31312 Property Records

Effingham County property record for 108 Watson Mill Rd, Guyton, GA 31312

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 4,080 sqft · built 2024
Lot Size	0.339 acres (14,810 sqft)
Owner	Individual Name on Record
Last Sale	$588,100 (Sep 2024)
Tax Bill	$7,687 (2025)
Deeds & Mortgages	Sep 2024 Sale & Mortgage Oct 2023 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`00510023A00`

Property Details

APN / Parcel Number

Primary APN	`00510023A00`
Alternative APNs	`0327A171` `32862`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	4,080 sqft Heated Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2025
Exterior Material	Fiber Cement Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Fiberglass
Lot Area	14,810 sqft (0.339 acres)
Garage Area	484 sqft
Porch	Open Porch
Porch Area	322 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	32862
Street Address	108 WATSON MILL RD
City	GUYTON
State	GA
Zip	31312-6677
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	.3412 AC LOT 171 (OUT 352-37) PLT 29/670
Legal Subdivision	COVERED BRIDGE
Legal Phase	3
Legal Lot Number	171
Jurisdiction	EFFINGHAM GA
Township / Civil Division	RINCON
Census Block Group	2
Census Block	2008
Census Tract	30207

Owner

Source: Effingham County records, as of December 19, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	108 WATSON MILL RD, GUYTON, GA 31312-6677
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2024	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage LOANSTEADY
Oct 25, 2023	Warranty Deed, Transfer · Line of Credit FIRST STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 9, 2024 · Amount on Record
Deed Sale	Sep 9, 2024 · Amount on Record
Deed Document Number	0002930444
Deed Book / Page	2930 / 444
Record Updated	Jun 8, 2026

September 2024: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Sep 9, 2024
Property Address	108 WATSON MILL RD, GUYTON, GA 31312-6677
Document Number	002930/444
Book / Page	2930 / 444
Instrument Date	Sep 9, 2024
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 22, 2025

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	GA

Mortgage

Document Number	D2024006848
Date	Sep 9, 2024
Instrument	D2024006848

Lender

Name	LOANSTEADY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	352 Months
Due	Jan 1, 2054

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Oct 25, 2023
Property Address	108 WATSON MILL RD, GUYTON, GA 31312-6677
Document Number	002878/134
Book / Page	2878 / 134
Instrument Date	Oct 20, 2023
Instrument	D2023008798
Transaction Type	Transfer
Record Updated	Dec 22, 2025

Transaction

Amount	Amount Recorded
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	PO BOX 212428, AUGUSTA, GA 30917-2428
Investor	Possibly a Property Investor

Mortgage

Document Number	0000002878/0000000136
Date	Oct 25, 2023
Book Page	0000002878/0000000136

Lender

Name	FIRST STATE BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Jan 1, 2024

Tax Assessment & Valuation

Source: Effingham County assessment roll, as of July 1, 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
2025	$7,687.00 (+895.73%) Homeowner's exemption	$241,474 (+673.96%) Land $31,200 Building $210,274	$603,686 (+673.96%) Land $78,000 Building $525,686
2024	$772.00	$31,200 Land $31,200	$78,000 Land $78,000

Assessed value is set for property tax purposes, not a market price estimate; it is 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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 27 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	27 in force
Nearby Flood Claims	2 (2024)
Most Recent Claim	Aug 2024 · Tropical Storm Debby
Claims by Event	Tropical Storm Debby, Aug 2024 · 2 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

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

Wildfire Risk	Moderate above 47% of the US · above 53% of Georgia
Wildfire Likelihood	0.08% 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 110 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.

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