110 Flat Creek Ln, Guyton, GA 31312 Property Records

Effingham County property record for 110 Flat Creek Ln, Guyton, GA 31312

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,551 sqft · built 2009
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Last Sale	$280,000 (Sep 2026)
Tax Bill	$2,432 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Dec 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0416A-293-000`

Property Details

APN / Parcel Number

Primary APN	`0416A-293-000`
Alternative APNs	`0416A293` `13988`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,551 sqft Heated Area
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2012
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Shed Roof
Roof Material	Composition Shingle
Lot Area	6,970 sqft (0.16 acres)
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	20 sqft
Deck Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	13988
Street Address	110 FLAT CREEK LN
City	GUYTON
State	GA
Zip	31312-7137
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	.16 AC LOT 293 (OUT 416-20A)
Legal Subdivision	SADDLECLUB @ BELMONT
Legal Lot Number	293
Jurisdiction	EFFINGHAM GA
Township / Civil Division	RINCON
Census Block Group	2
Census Block	2000
Census Tract	30301

Owner

Source: Effingham County records, as of October 19, 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	110 FLAT CREEK LN, GUYTON, GA 31312-7137
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2026	Limited Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Dec 13, 2019	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LOAN SERVICING
Sep 15, 2021	Warranty Deed, Transfer · Conventional Mortgage BANKSOUTH MORTGAGE
Jun 7, 2018	Warranty Deed, Subdivision Related Transfer · VA Mortgage CERTAINTY HOME LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2026 · Amount on Record
Deed Sale	Sep 25, 2026 · Amount on Record
Prior Sale	Sep 15, 2021 · Amount on Record
Deed Document Number	20268477
Deed Book / Page	3071 / 547
Record Updated	Oct 29, 2026

September 2026: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Sep 25, 2026
Property Address	110 FLAT CREEK LN, GUYTON, GA 31312-7137
Document Number	0000008477
Book / Page	3071 / 547
Instrument Date	Sep 25, 2026
Instrument	20268477
Transaction Type	Transfer
Record Updated	Oct 19, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 FLAT CREEK LN, GUYTON, GA 31312-7137
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000847,
Date	Sep 25, 2026
Book Page	3071/549
Instrument	2026847

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	110 FLAT CREEK LN, GUYTON, GA 31312-7137
Transaction Type	Mortgage
Record Updated	Aug 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 FLAT CREEK LN, GUYTON, GA 31312-7137

Mortgage

Document Number	0000002562/0000000079
Date	Dec 13, 2019
Book Page	0000002562/0000000079
Instrument	010542

Lender

Name	LAKEVIEW LOAN SERVICING

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Sep 15, 2021
Property Address	110 FLAT CREEK LN, GUYTON, GA 31312-7137
Document Number	002724/916
Book / Page	2724 / 916
Instrument Date	Sep 15, 2021
Instrument	2021-003090
Transaction Type	Transfer
Record Updated	Aug 3, 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	110 FLAT CREEK LN, GUYTON, GA 31312-7137

Mortgage

Document Number	0000002724/0000000919
Date	Sep 16, 2021
Book Page	0000002724/0000000919
Instrument	011358

Lender

Name	BANKSOUTH MORTGAGE

Agreement

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

June 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Jun 7, 2018
Property Address	110 FLAT CREEK LN, GUYTON, GA 31312-7137
Document Number	002471/429
Book / Page	2471 / 429
Instrument Date	Jun 7, 2018
Instrument	2018-001418
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 3, 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	110 FLAT CREEK LN, GUYTON, GA 31312-7137

Mortgage

Document Number	002471/430
Date	Jun 12, 2018
Book Page	2471/430
Instrument	005018

Lender

Name	CERTAINTY HOME LOANS
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2048

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		$123,948 (+7.57%) Land $22,800 Building $101,148	$309,870 (+7.57%) Land $57,000 Building $252,870
2025	$2,432.00 (+10.75%) Homeowner's exemption	$115,224 (+13.69%) Land $22,800 Building $92,424	$288,059 (+13.69%) Land $57,000 Building $231,059
2024	$2,196.00 (+40.41%) Homeowner's exemption	$101,350 (+27.82%) Land $22,800 Building $78,550	$253,376 (+27.82%) Land $57,000 Building $196,376
2023	$1,564.00 (-25.1%) Homeowner's exemption	$79,293 (+1.02%) Land $18,800 Building $60,493	$198,232 (+1.02%) Land $47,000 Building $151,232
2022	$2,088.00 Homeowner's exemption	$78,493 Land $18,000 Building $60,493	$196,232 Land $45,000 Building $151,232

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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.

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	0.08% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 206 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: Hotwire Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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