Effingham County property record for 109 Saddle Ln, Guyton, GA 31312
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,670 sqft · built 1987 |
| Lot Size | 0.743 acres (32,372 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $518 (2025) |
| Deeds & Mortgages | Jan 2020 Mortgage Feb 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0435B-005-000 |
| Primary APN | 0435B-005-000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,670 sqft Heated Area |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Brick Veneer |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Shed Roof |
| Roof Material | Composition Shingle |
| Lot Area | 32,372 sqft (0.743 acres) |
| Garage Area | 420 sqft |
| Porch | Slab |
| Porch Area | 40 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 16181 |
|---|---|
| Street Address | 109 SADDLE LN |
| City | GUYTON |
| State | GA |
| Zip | 31312-6259 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | LOT 5 |
| Legal Subdivision | SADDLEBROOK |
| Legal Phase | 2 |
| Legal Block | II |
| Legal Lot Number | 5 |
| Jurisdiction | EFFINGHAM GA |
| Township / Civil Division | RINCON |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 30301 |
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 SADDLE LN, GUYTON, GA 31312-6259 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 21, 2020 | Deed of Trust, Mortgage · VA Mortgage LOAN DEPOT COM |
| Feb 23, 2021 | Deed of Trust, Mortgage · VA Mortgage PARAMOUNT MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 17, 2003 |
| Deed Sale | Mar 17, 2003 |
| Deed Book / Page | 940 / 174 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Property Address | 109 SADDLE LN, GUYTON, GA 31312-6259 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2022 |
| Name | Verified Name |
|---|---|
| Address | 109 SADDLE LN, GUYTON, GA 31312-6259 |
| Document Number | 0000002569/0000000397 |
|---|---|
| Date | Jan 21, 2020 |
| Book Page | 0000002569/0000000397 |
| Instrument | 000627 |
| Name | LOAN DEPOT COM |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Property Address | 109 SADDLE LN, GUYTON, GA 31312-6259 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2022 |
| Name | Verified Name |
|---|---|
| Address | 109 SADDLE LN, GUYTON, GA 31312-6259 |
| Document Number | 0000002664/0000000829 |
|---|---|
| Date | Feb 23, 2021 |
| Book Page | 0000002664/0000000829 |
| Instrument | 002028 |
| Name | PARAMOUNT MORTGAGE |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2051 |
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 | $100,161 (-) Land $22,800 Building $77,361 | $250,403 (-) Land $57,000 Building $193,403 | |
| 2025 | $518.00 (+11.88%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $100,161 (+7.82%) Land $22,800 Building $77,361 | $250,403 (+7.82%) Land $57,000 Building $193,403 |
| 2024 | $463.00 (-79.38%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $92,896 (+41.06%) Land $22,800 Building $70,096 | $232,241 (+41.06%) Land $57,000 Building $175,241 |
| 2022 | $2,245.00 | $65,855 Land $18,800 Building $47,055 | $164,637 Land $47,000 Building $117,637 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 91% of Georgia |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 75 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 |
| Verizon Fixed Wireless | 300 / 20 |
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