109 Broken Bit Cir, Guyton, GA 31312 Property Records

Effingham County property record for 109 Broken Bit Cir, Guyton, GA 31312

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 4,038 sqft · built 2012
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on Record
Last Sale	$266,125 (Mar 2013)
Tax Bill	$4,042 (2025)
Deeds & Mortgages	Jan 2019 Mortgage Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0416A-268-000`

Property Details

APN / Parcel Number

Primary APN	`0416A-268-000`
Alternative APNs	`0416A268` `13963`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	4,038 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2013
Exterior Material	Stone
Foundation Type	Slab (Mat/Raft)
Roof Type	Shed Roof
Roof Material	Fiberglass
Lot Area	9,148 sqft (0.21 acres)
Garage Area	557 sqft

Exterior Amenities

Porch	Patio
Porch Area	142 sqft
Deck Area	108 sqft
Utility Building	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	13963
Street Address	109 BROKEN BIT CIR
City	GUYTON
State	GA
Zip	31312-7140
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	.21 AC LOT 268 (OUT 416-20A)
Legal Subdivision	SADDLECLUB @ BELMONT
Legal Phase	1
Legal Lot Number	268
Jurisdiction	EFFINGHAM GA
Township / Civil Division	RINCON
Census Block Group	2
Census Block	2004
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	109 BROKEN BIT CIR, GUYTON, GA 31312-7140
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 7, 2019	Deed of Trust, Mortgage PEOPLES BANK
Oct 1, 2020	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 22, 2013 · Amount on Record
Deed Sale	Mar 22, 2013 · Amount on Record
Prior Sale	Jun 14, 2012 · Amount on Record
Deed Document Number	2013688
Deed Book / Page	2183 / 366
Record Updated	Oct 29, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	109 BROKEN BIT CIR, GUYTON, GA 31312-7140
Transaction Type	Mortgage
Record Updated	Aug 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 BROKEN BIT CIR, GUYTON, GA 31312-7140

Mortgage

Document Number	0000002505/0000000623
Date	Jan 7, 2019
Book Page	0000002505/0000000623
Instrument	000143

Lender

Name	PEOPLES BANK

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2049

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	109 BROKEN BIT CIR, GUYTON, GA 31312-7140
Transaction Type	Mortgage
Record Updated	Aug 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 BROKEN BIT CIR, GUYTON, GA 31312-7140

Mortgage

Document Number	0000002627/0000000208
Date	Oct 1, 2020
Book Page	0000002627/0000000208
Instrument	010059

Lender

Name	PENNYMAC LOAN SERVICES

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

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		$201,916 (+8.68%) Land $22,800 Building $179,116	$504,789 (+8.68%) Land $57,000 Building $447,789
2025	$4,042.00 (+9.42%) Homeowner's exemption Senior Citizen's exemption	$185,786 (-2.53%) Land $22,800 Building $162,986	$464,466 (-2.53%) Land $57,000 Building $407,466
2024	$3,694.00 (+25.69%) Homeowner's exemption Senior Citizen's exemption	$190,610 (+5.31%) Land $22,800 Building $167,810	$476,524 (+5.31%) Land $57,000 Building $419,524
2023	$2,939.00 (-14.93%) Homeowner's exemption	$180,994 (+17.51%) Land $18,800 Building $162,194	$452,486 (+17.51%) Land $47,000 Building $405,486
2022	$3,455.00 Homeowner's exemption	$154,025 Land $18,000 Building $136,025	$385,063 Land $45,000 Building $340,063

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 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 40% of the US · lower than 73% of Georgia
Wildfire Likelihood	0.06% 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 206 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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