108 Zipperer Paddock, Guyton, GA 31312 Property Records

Effingham County property record for 108 Zipperer Paddock, Guyton, GA 31312

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,920 sqft · built 2009
Lot Size	2.55 acres (111,078 sqft)
Owner	2 Individual Names on Record
Last Sale	$760,000 (Jul 2025)
Tax Bill	$7,960 (2025)
Deeds & Mortgages	Aug 2017 Line of Credit Mar 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0395B-015-000`

Property Details

APN / Parcel Number

Primary APN	`0395B-015-000`
Alternative APNs	`0395B015` `12104`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,920 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2015
Exterior Material	Fiber Cement Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Fiberglass
Lot Area	111,078 sqft (2.55 acres)
Garage Type	Mixed
Garage Area	1,122 sqft
Porch	Patio
Porch Area	744 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	12104
Street Address	108 ZIPPERER PADDOCK
City	GUYTON
State	GA
Zip	31312-6812
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR-2
Legal Description	2.55 AC LOT 15 (OUT 395-19)
Legal Subdivision	ZIPPERER PLACE
Legal Lot Number	15
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 ZIPPERER PADDOCK, GUYTON, GA 31312-6812
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 15, 2017	Deed of Trust, Mortgage · Line of Credit BANKSOUTH
Mar 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2025 · Amount on Record
Deed Sale	Jul 9, 2025 · Amount on Record
Prior Sale	May 30, 2024 · Amount on Record
Deed Book / Page	2982 / 940
Record Updated	Oct 29, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	108 ZIPPERER PADDOCK, GUYTON, GA 31312-6812
Transaction Type	Mortgage
Record Updated	Jun 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002422/719
Date	Aug 15, 2017
Book Page	2422/719
Instrument	007443

Lender

Name	BANKSOUTH
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2037

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	108 ZIPPERER PADDOCK, GUYTON, GA 31312-6812
Transaction Type	Mortgage
Record Updated	Aug 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 ZIPPERER PADDOCK, GUYTON, GA 31312-6812

Mortgage

Document Number	0000002772/0000000909
Date	Mar 28, 2022
Book Page	0000002772/0000000909
Instrument	003157

Lender

Name	BROKER SOLUTIONS

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2037

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		$267,011 (+7.04%) Land $63,827 Building $203,184	$667,528 (+7.04%) Land $159,567 Building $507,961
2025	$7,960.00 (+35.28%)	$249,443 (+22.35%) Land $63,827 Building $185,616	$623,607 (+22.35%) Land $159,567 Building $464,040
2024	$5,884.00 (+18.39%) Homeowner's exemption	$203,882 (+6.32%) Land $42,012 Building $161,870	$509,706 (+6.32%) Land $105,030 Building $404,676
2023	$4,970.00 (-9.06%) Homeowner's exemption	$191,761 (+5.45%) Land $42,012 Building $149,749	$479,403 (+5.45%) Land $105,030 Building $374,373
2022	$5,465.00 Homeowner's exemption	$181,857 Land $32,108 Building $149,749	$454,643 Land $80,270 Building $374,373

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 A, 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 51% of the US · above 69% of Georgia
Wildfire Likelihood	0.08% 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 16 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

Cell Coverage

5G (outdoors only) and 4G LTE

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