109 Thoroughbred Dr, Guyton, GA 31312 Property Records

Effingham County property record for 109 Thoroughbred Dr, Guyton, GA 31312

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,650 sqft · built 2016
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Last Sale	$169,000 (Jan 2019)
Tax Bill	$3,546 (2025)
Deeds & Mortgages	Apr 2017 Mortgage Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0376D-167-000`

Property Details

APN / Parcel Number

Primary APN	`0376D-167-000`
Alternative APNs	`0376D167` `10429`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,650 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	Fiberglass
Lot Area	7,841 sqft (0.18 acres)
Garage Area	460 sqft
Porch	Slab
Porch Area	84 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	10429
Street Address	109 THOROUGHBRED DR
City	GUYTON
State	GA
Zip	31312-5764
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	.18 AC LOT 167 OUT 376-15
Legal Subdivision	SOUTH BEND
Legal Phase	3
Legal Block	III
Legal Lot Number	167
Jurisdiction	EFFINGHAM GA
Township / Civil Division	RINCON
Census Block Group	2
Census Block	2016
Census Tract	30403

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	Individual Name on Record
Mailing Address	109 THOROUGHBRED DR, GUYTON, GA 31312-5764
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2017	Deed of Trust, Mortgage · FHA Mortgage STATE BANK & TRUST CO
Jun 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK
Jan 29, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 29, 2019 · Amount on Record
Deed Sale	Jan 29, 2019 · Amount on Record
Prior Sale	Mar 30, 2017 · Amount on Record
Deed Document Number	2019240
Deed Book / Page	2508 / 643
Record Updated	Oct 29, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	109 THOROUGHBRED DR, GUYTON, GA 31312-5764
Transaction Type	Mortgage
Record Updated	Aug 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002401/79
Date	Apr 21, 2017
Book Page	2401/79
Instrument	003318

Lender

Name	STATE BANK & TRUST CO
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2047

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	109 THOROUGHBRED DR, GUYTON, GA 31312-5764
Transaction Type	Mortgage
Record Updated	Aug 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 THOROUGHBRED DR, GUYTON, GA 31312-5764

Mortgage

Document Number	0000002696/0000000822
Date	Jun 10, 2021
Book Page	0000002696/0000000822
Instrument	006985

Lender

Name	FLAGSTAR BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2036

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Jan 29, 2019
Property Address	109 THOROUGHBRED DR, GUYTON, GA 31312-5764
Document Number	002508/643
Book / Page	2508 / 643
Instrument Date	Jan 29, 2019
Instrument	2019-000240
Transaction Type	Transfer
Record Updated	Aug 3, 2022

Transaction

Amount	Amount Recorded
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 THOROUGHBRED DR, GUYTON, GA 31312-5764

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		$120,009 (+3.67%) Land $22,800 Building $97,209	$300,022 (+3.67%) Land $57,000 Building $243,022
2025	$3,546.00 (-3.59%) Homeowner's exemption	$115,764 (-3.06%) Land $22,800 Building $92,964	$289,411 (-3.06%) Land $57,000 Building $232,411
2024	$3,678.00 (+15.88%) Homeowner's exemption	$119,421 (+13.38%) Land $22,800 Building $96,621	$298,552 (+13.38%) Land $57,000 Building $241,552
2023	$3,174.00 (+8.66%)	$105,330 (+17.36%) Land $17,600 Building $87,730	$263,324 (+17.36%) Land $44,000 Building $219,324
2022	$2,921.00	$89,747 Land $16,000 Building $73,747	$224,368 Land $40,000 Building $184,368

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

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 49 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	49 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	Low lower than 62% of the US · lower than 80% of Georgia
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	EFFINGHAM COUNTY SURFACE WATER SYSTEM serves 12,293 people · EPA ID GA1030131
Water Source	Purchased surface water from SAVANNAH-I & D
Last State Inspection	Apr 2025
Lead	1 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	1 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 189 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	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, ClearWave, Hotwire Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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