Effingham County property record for 109 Cherokee Dr, Guyton, GA 31312
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,053 sqft · built 1999 |
| Lot Size | 5 acres (217,800 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $249,900 (Jun 2018) |
| Tax Bill | $4,481 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Dec 2020 Transfer + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 0277A-019-000 |
| Primary APN | 0277A-019-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,053 sqft Heated Area |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Brick Veneer |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Shed Roof |
| Roof Material | Fiberglass |
| Lot Area | 217,800 sqft (5 acres) |
| Terrain | Rolling |
| Garage Area | 1,296 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 408 sqft |
| Lean-To | 360 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 1908 |
|---|---|
| Street Address | 109 CHEROKEE DR |
| City | GUYTON |
| State | GA |
| Zip | 31312-5241 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AR-1 |
| Legal Description | 5.00 AC LOT 19 |
| Legal Subdivision | OGEECHEE RIVER PLANT |
| Legal Block | 1 |
| Legal Lot Number | 19 |
| Jurisdiction | EFFINGHAM GA |
| Township / Civil Division | GUYTON-SPRINGFIELD |
| Census Block Group | 2 |
| Census Block | 2032 |
| Census Tract | 30207 |
109 Cherokee Dr is owned and occupied by two individuals who acquired it in December 2020.
Source: Effingham County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 109 CHEROKEE DR, GUYTON, GA 31312-5241 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 18, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING |
| Dec 15, 2020 | Quit Claim Deed, Transfer Quitclaim |
| Jun 11, 2018 | Warranty Deed, Transfer · Conventional Mortgage CERTAINTY HOME LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 11, 2018 · Amount on File |
| Deed Sale | Jun 11, 2018 · Amount on File |
| Prior Sale | Mar 12, 2004 |
| Deed Document Number | 20181467 |
| Deed Book / Page | 2472 / 883 |
| Last Transfer Date | Dec 15, 2020 |
| Transfer Doc | 002672/422 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Property Address | 109 CHEROKEE DR, GUYTON, GA 31312-5241 |
| Transaction Type | Mortgage |
| Record Updated | Apr 19, 2021 |
| Name | Verified Name |
|---|---|
| Address | 109 CHEROKEE DR, GUYTON, GA 31312-5241 |
| Document Number | 0000002672/0000000425 |
|---|---|
| Date | Mar 18, 2021 |
| Book Page | 0000002672/0000000425 |
| Instrument | 003214 |
| Name | PROVIDENT FUNDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Recording Date | Dec 15, 2020 |
| Property Address | 109 CHEROKEE DR, GUYTON, GA 31312-5241 |
| Document Number | 002672/422 |
| Book / Page | 2672 / 422 |
| Instrument Date | Dec 15, 2020 |
| Instrument | 2020-003494 |
| Transaction Type | Transfer |
| Record Updated | Mar 22, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 109 CHEROKEE DR, GUYTON, GA 31312-5241 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Recording Date | Jun 11, 2018 |
| Property Address | 109 CHEROKEE DR, GUYTON, GA 31312-5241 |
| Document Number | 002472/883 |
| Book / Page | 2472 / 883 |
| Instrument Date | Jun 11, 2018 |
| Instrument | 2018-001467 |
| Transaction Type | Transfer |
| Record Updated | Mar 22, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 109 CHEROKEE DR, GUYTON, GA 31312-5241 |
| Document Number | 2472/884 |
|---|---|
| Date | Jun 20, 2018 |
| Book Page | 2472/884 |
| Instrument | 005298 |
| Name | CERTAINTY HOME LOANS |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2048 |
The 2025 property tax bill for 109 Cherokee Dr was $4,481 with a homeowner's exemption, up 7.9% from the year before.
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 | $140,939 (+5.53%) Land $44,288 Building $96,651 | $352,346 (+5.53%) Land $110,719 Building $241,627 | |
| 2025 | $4,481.00 (+7.95%) Homeowner's exemption | $133,557 (+0.17%) Land $36,906 Building $96,651 | $333,893 (+0.17%) Land $92,266 Building $241,627 |
| 2024 | $4,151.00 (+25.26%) | $133,329 (+20.83%) Land $45,460 Building $87,869 | $333,322 (+20.83%) Land $113,649 Building $219,673 |
| 2023 | $3,314.00 (+3.08%) | $110,341 (+10.38%) Land $29,062 Building $81,280 | $275,853 (+10.38%) Land $72,654 Building $203,199 |
| 2022 | $3,215.00 | $99,967 Land $18,687 Building $81,280 | $249,917 Land $46,718 Building $203,199 |
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.
FEMA maps place 109 Cherokee Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective October 1, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File 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 |
|
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 risk around 109 Cherokee Dr is moderate, ranking above 46% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · above 51% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | GRAYSTONE APARTMENTS private · serves 99 people · EPA ID GA0310258 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2025 |
| Lead | Under 1 ppb (2023–2025) 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 19 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 |
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