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109 Smithwick Trl, Guyton, GA 31312 Property Records

Effingham County property record for 109 Smithwick Trl, Guyton, GA 31312

Property Summary

Property TypeSingle Family Home
Details2.5 ba · 2,625 sqft · built 2018
Lot Size0.17 acres (7,405 sqft)
Owner2 Individual Names on Record
Last Sale$249,500 (Jun 2018)
Tax Bill$4,599 (2025)
Deeds & MortgagesOct 2017 Mortgage
Jun 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN0416A-038-000

Property Details

APN / Parcel Number

Primary APN0416A-038-000
Alternative APNs
  • 0416A038
  • 13850

Interior

Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,625 sqft Heated Area
FlooringTile
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2018
Effective Year BuiltEffective 2019
Exterior MaterialBrick Veneer
Foundation TypeSlab (Mat/Raft)
Roof TypeGable/Hip
Roof MaterialFiberglass
Lot Area7,405 sqft (0.17 acres)
Garage Area441 sqft
PorchSlab
Porch Area282 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number13850
Street Address109 SMITHWICK TRL
CityGUYTON
StateGA
Zip31312-7136
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePD
Legal Description.17 AC LOT 38 OUT 416-20A
Legal SubdivisionSADDLECLUB AT BELMONT GLEN
Legal Lot Number38
JurisdictionEFFINGHAM GA
Township / Civil DivisionRINCON
Census Block Group2
Census Block2000
Census Tract30301

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 Record2 Individual Names on Record
Mailing Address109 SMITHWICK TRL, GUYTON, GA 31312-7136
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 26, 2017Deed of Trust, Mortgage
AMERIS BANK
Jun 15, 2018Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
BANK OF AMERICA NA

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 15, 2018 · Amount on Record
Deed SaleJun 15, 2018 · Amount on Record
Prior SaleOct 23, 2017 · Amount on Record
Deed Document Number20181509
Deed Book / Page2472 / 615
Record UpdatedOct 29, 2026

October 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionEFFINGHAM GA
Property Address109 SMITHWICK TRL, GUYTON, GA 31312-7136
Transaction TypeMortgage
Record UpdatedAug 3, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number002434/591
DateOct 26, 2017
Book Page2434/591
Instrument009622
Lender
NameAMERIS BANK
TypeBank
Agreement
AmountAmount Recorded
Term12 Months
DueNov 1, 2018

June 2018: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionEFFINGHAM GA
Recording DateJun 15, 2018
Property Address109 SMITHWICK TRL, GUYTON, GA 31312-7136
Document Number002472/615
Book / Page2472 / 615
Instrument DateJun 15, 2018
Instrument2018-001509
Transaction TypeSubdivision Related Transfer
Record UpdatedAug 3, 2022

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address109 SMITHWICK TRL, GUYTON, GA 31312-7136

Mortgage

Document Number002472/616
DateJun 19, 2018
Book Page2472/616
Instrument005246
Lender
NameBANK OF AMERICA NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJul 1, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateGeorgia
CountyEffingham County
Unified School DistrictEffingham County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$169,706 (+14.74%) Land $22,800 Building $146,906$424,266 (+14.74%) Land $57,000 Building $367,266
2025$4,599.00 (+6.63%) Homeowner's exemption$147,902 (+6.71%) Land $22,800 Building $125,102$369,756 (+6.71%) Land $57,000 Building $312,756
2024$4,313.00 (+9.49%)$138,600 (+3.75%) Land $22,800 Building $115,800$346,499 (+3.75%) Land $57,000 Building $289,499
2023$3,939.00 (+9.84%)$133,594 (+18.37%) Land $18,800 Building $114,794$333,986 (+18.37%) Land $47,000 Building $286,986
2022$3,586.00$112,864 Land $18,000 Building $94,864$282,161 Land $45,000 Building $237,161

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 40 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies40 in force
Nearby Flood Claims2 (2002–2009)
Claims Outside the SFHA1 of 2
Most Recent ClaimDec 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.

Wildfire

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

Wildfire RiskModerate
above 42% of the US · lower than 65% of Georgia
Wildfire Likelihood0.06% annual chance
ExposureDirect
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 99 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Planters Rural Telephone Cooperative
Fiber		8,000 / 8,000
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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