109 Old Mill Rd, Guyton, GA 31312 Property Records

Effingham County property record for 109 Old Mill Rd, Guyton, GA 31312

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,805 sqft · built 2015
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on Record
Last Sale	$350,000 (Jul 2025)
Tax Bill	$2,931 (2025)
Deeds & Mortgages	Mar 2025 Line of Credit Jul 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0374C-031-000`

Property Details

APN / Parcel Number

Primary APN	`0374C-031-000`
Alternative APNs	`0374C031` `9522`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,805 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2016
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Fiberglass
Lot Area	12,197 sqft (0.28 acres)
Garage Area	693 sqft

Exterior Amenities

Porch	Slab
Porch Area	72 sqft
Deck Area	144 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	9522
Street Address	109 OLD MILL RD
City	GUYTON
State	GA
Zip	31312-5989
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	.28 AC LOT 31 OUT 374-41
Legal Subdivision	LAUREL MILL
Legal Lot Number	31
Jurisdiction	EFFINGHAM GA
Township / Civil Division	RINCON
Census Block Group	1
Census Block	1002
Census Tract	30404

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	5 OLD BRIDGE DR, POOLER, GA 31322-4906
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 28, 2025	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Jul 28, 2025	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2025 · Amount on Record
Deed Sale	Jul 28, 2025 · Amount on Record
Prior Sale	Oct 22, 2015 · Amount on Record
Deed Book / Page	2986 / 682
Record Updated	Oct 29, 2026

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	109 OLD MILL RD, GUYTON, GA 31312-5989
Transaction Type	Mortgage
Record Updated	Oct 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 OLD MILL RD, GUYTON, GA 31312-5989

Mortgage

Document Number	0000002964/0000000194
Date	Mar 28, 2025
Book Page	0000002964/0000000194
Instrument	D2025-002319

Lender

Name	BANK OF AMERICA

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2055

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Jul 28, 2025
Property Address	109 OLD MILL RD, GUYTON, GA 31312-5989
Document Number	002986/682
Book / Page	2986 / 682
Instrument Date	Jul 25, 2025
Transaction Type	Transfer
Record Updated	Dec 22, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 OLD BRIDGE DR, POOLER, GA 31322-4906

Mortgage

Document Number	D2025005799
Date	Jul 28, 2025
Instrument	D2025005799

Lender

Name	UNITED WHOLESALE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	174 Months
Due	Jan 1, 2040

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		$144,338 (+4.2%) Land $22,800 Building $121,538	$360,846 (+4.2%) Land $57,000 Building $303,846
2025	$2,931.00 (+8.72%) Homeowner's exemption	$138,524 (-9.99%) Land $22,800 Building $115,724	$346,309 (-9.99%) Land $57,000 Building $289,309
2024	$2,696.00 (+32.22%) Homeowner's exemption	$153,890 (+1.7%) Land $22,800 Building $131,090	$384,726 (+1.7%) Land $57,000 Building $327,726
2023	$2,039.00 (-19.5%) Homeowner's exemption	$151,324 (+18.45%) Land $20,800 Building $130,524	$378,309 (+18.45%) Land $52,000 Building $326,309
2022	$2,533.00 Homeowner's exemption	$127,755 Land $16,000 Building $111,755	$319,387 Land $40,000 Building $279,387

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
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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 48% of the US · above 58% 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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