109 N Cedar St, Springfield, GA 31329 Property Records

Effingham County property record for 109 N Cedar St, Springfield, GA 31329

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,755 sqft · built 1962
Lot Size	0.4 acres (17,424 sqft)
Owner	2 Individual Names on Record
Last Sale	$215,000 (Oct 2021)
Tax Bill	$3,217 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`S1060054000`

Property Details

APN / Parcel Number

Primary APN	`S1060054000`
Alternative APNs	`S1060054` `26634`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,755 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 2008
Exterior Material	Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Shed Roof
Roof Material	Fiberglass
Lot Area	17,424 sqft (0.4 acres)
Garage Type	Carport
Garage Area	420 sqft
Carport	Carport
Carport Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	111 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	26634
Street Address	109 N CEDAR ST
City	SPRINGFIELD
State	GA
Zip	31329-4974
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	.40 AC LOT 4 & N 20' LOT 5 BLK 134
Legal Subdivision	RALPH W DAVIS
Legal Block	134
Legal Lot Number	4
Jurisdiction	EFFINGHAM GA
Township / Civil Division	GUYTON-SPRINGFIELD
Census Block Group	2
Census Block	2014
Census Tract	30205

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Springfield Historic District listed 2021 · 307 contributing resources · NRIS 100006329

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	109 N CEDAR ST, SPRINGFIELD, GA 31329-4974
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2021	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE
Dec 27, 2018	Warranty Deed, Transfer · FHA Mortgage CERTAINTY HOME LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 26, 2021 · Amount on Record
Deed Sale	Oct 26, 2021 · Amount on Record
Prior Sale	Dec 27, 2018 · Amount on Record
Deed Document Number	20213526
Deed Book / Page	2737 / 751
Record Updated	Oct 29, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Oct 26, 2021
Property Address	109 N CEDAR ST, SPRINGFIELD, GA 31329-4974
Document Number	2737/751
Book / Page	2737 / 751
Instrument Date	Oct 26, 2021
Instrument	2021-003526
Transaction Type	Transfer
Record Updated	Nov 8, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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	109 N CEDAR ST, SPRINGFIELD, GA 31329-4974

Mortgage

Document Number	0000002737/0000000753
Date	Oct 26, 2021
Book Page	0000002737/0000000753
Instrument	013068

Lender

Name	GUILD MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Dec 27, 2018
Property Address	109 N CEDAR ST, SPRINGFIELD, GA 31329-4974
Document Number	002504/368
Book / Page	2504 / 368
Instrument Date	Dec 27, 2018
Instrument	2018-003569
Transaction Type	Transfer
Record Updated	Mar 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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	109 N CEDAR ST, SPRINGFIELD, GA 31329-4974

Mortgage

Document Number	0000002504/0000000369
Date	Dec 31, 2018
Book Page	0000002504/0000000369
Instrument	011220

Lender

Name	CERTAINTY HOME LOANS

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

Source: Effingham County assessment roll, as of December 22, 2025

Property Jurisdictions

Type	Name
State	Georgia
County	Effingham County
Municipality	Springfield City
Unified School District	Effingham County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$86,738 (+%) Land $10,560 Building $76,178	$216,843 (-) Land $26,400 Building $190,443
2025	$3,217.00 (+4.18%)	$86,737 (-3.14%) Land $10,560 Building $76,177	$216,843 (-3.14%) Land $26,400 Building $190,443
2024	$3,088.00 (+29.04%)	$89,549 (+34.9%) Land $10,560 Building $78,989	$223,873 (+34.9%) Land $26,400 Building $197,473
2022	$2,393.00	$66,380 Land $7,200 Building $59,180	$165,951 Land $18,000 Building $147,951

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 36 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	36 in force
Nearby Flood Claims	3 (2024)
Most Recent Claim	Aug 2024 · Tropical Storm Debby
Claims by Event	Tropical Storm Debby, Aug 2024 · 3 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	Low lower than 65% of the US · lower than 88% of Georgia
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SPRINGFIELD serves 3,100 people · EPA ID GA1030002
Water Source	Groundwater
Last State Inspection	Mar 2023
Lead	4 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 77 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Windstream.

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