109 Laurel Ln, Guyton, GA 31312 Property Records

Effingham County property record for 109 Laurel Ln, Guyton, GA 31312

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,818 sqft · built 2016
Lot Size	0.43 acres (18,731 sqft)
Owner	2 Individual Names on File
Last Sale	$195,208 (Oct 2016)
Tax Bill	$3,734 (2025)
Deeds & Mortgages	Aug 2016 Construction Loan Feb 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0374C-005-000`

Property Details

APN / Parcel Number

Primary APN	`0374C-005-000`
Alternative APNs	`0374C005` `9496`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,818 sqft Heated Area
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2017
Exterior Material	Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	18,731 sqft (0.43 acres)
Garage Area	400 sqft

Exterior Amenities

Pool Area	648 sqft
Porch	Patio
Porch Area	76 sqft
Deck Area	Deck Area
Patio Area	176 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	9496
Street Address	109 LAUREL LN
City	GUYTON
State	GA
Zip	31312-5988
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	.43 AC LOT 5 (OUT 374-41)
Legal Subdivision	LAUREL MILL
Legal Lot Number	5
Jurisdiction	EFFINGHAM GA
Township / Civil Division	RINCON
Census Block Group	1
Census Block	1000
Census Tract	30404

Owner

109 Laurel Ln is owned and occupied by two individuals who bought it in October 2016.

Source: Effingham County records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	109 LAUREL LN, GUYTON, GA 31312-5988
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2016	Deed of Trust, Mortgage · Construction Mortgage FIDELITY BANK
Feb 7, 2022	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE
May 26, 2016	Warranty Deed, Transfer · Line of Credit AMERIS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2016 · Amount on File
Deed Sale	Oct 28, 2016 · Amount on File
Prior Sale	May 26, 2016 · Amount on File
Deed Document Number	20162833
Deed Book / Page	2375 / 691
Record Updated	Oct 29, 2026

August 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	109 LAUREL LN, GUYTON, GA 31312-5988
Transaction Type	Mortgage
Record Updated	Jun 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	002363/130
Date	Aug 24, 2016
Book Page	2363/130
Instrument	007210

Lender

Name	FIDELITY BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Sep 1, 2017

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	109 LAUREL LN, GUYTON, GA 31312-5988
Transaction Type	Mortgage
Record Updated	Aug 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 LAUREL LN, GUYTON, GA 31312-5988

Mortgage

Document Number	0000002761/0000000984
Date	Feb 7, 2022
Book Page	0000002761/0000000984
Instrument	001247

Lender

Name	ROCKET MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

May 2016: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	May 26, 2016
Property Address	109 LAUREL LN, GUYTON, GA 31312-5988
Document Number	002349/778
Book / Page	2349 / 778
Instrument Date	May 26, 2016
Instrument	2016-001335
Transaction Type	Transfer
Record Updated	Aug 3, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	37 W FAIRMONT AVE STE 202, 202, SAVANNAH, GA 31406-3457
Investor	Possibly a Property Investor

Mortgage

Document Number	002349/780
Date	Jun 1, 2016
Book Page	2349/780
Instrument	004653

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Jun 1, 2017

Tax Assessment & Valuation

The 2025 property tax bill for 109 Laurel Ln was $3,734 with a homeowner's exemption, up 16.5% from the year before.

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		$149,703 (+2.55%) Land $22,800 Building $126,903	$374,259 (+2.55%) Land $57,000 Building $317,259
2025	$3,734.00 (+16.54%) Homeowner's exemption	$145,981 (-4.33%) Land $22,800 Building $123,181	$364,952 (-4.33%) Land $57,000 Building $307,952
2024	$3,204.00 (+28.67%) Homeowner's exemption	$152,594 (+5.39%) Land $22,800 Building $129,794	$381,486 (+5.39%) Land $57,000 Building $324,486
2023	$2,490.00 (-17.08%) Homeowner's exemption	$144,790 (+18.5%) Land $20,800 Building $123,990	$361,975 (+18.5%) Land $52,000 Building $309,975
2022	$3,003.00 Homeowner's exemption	$122,189 Land $16,000 Building $106,189	$305,472 Land $40,000 Building $265,472

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

Flood

FEMA maps place 109 Laurel Ln in Zone X, an area of minimal flood risk.

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	6 in force

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

Wildfire risk around 109 Laurel Ln is moderate, ranking above 46% of the US, with a 0.1% 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	0.1% 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 83 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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