Effingham County property record for 114 Saddle Ln, Guyton, GA 31312
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,776 sqft · built 1996 |
| Lot Size | 0.84 acres (36,590 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,318 (2025) |
| Deeds & Mortgages | Sep 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 0435B-016-000 |
| Primary APN | 0435B-016-000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,776 sqft Heated Area |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Brick Veneer |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Shed Roof |
| Roof Material | Composition Shingle |
| Lot Area | 36,590 sqft (0.84 acres) |
| Garage Area | 1,443 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Patio |
| Porch Area | 222 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 16192 |
|---|---|
| Street Address | 114 SADDLE LN |
| City | GUYTON |
| State | GA |
| Zip | 31312-6256 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | .84 AC LOT 16 |
| Legal Subdivision | SADDLEBROOK |
| Legal Phase | 4 |
| Legal Block | 4 |
| Legal Lot Number | 16 |
| Jurisdiction | EFFINGHAM GA |
| Township / Civil Division | RINCON |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 30301 |
114 Saddle Ln is owned and occupied by an individual who acquired it in September 2021.
Source: Effingham County records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 907 E WARING ST, WAYCROSS, GA 31501-7944 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 17, 2021 |
| Deed Sale | Sep 17, 2021 |
| Prior Sale | Oct 7, 2008 |
| Deed Document Number | 20213166 |
| Deed Book / Page | 2727 / 304 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Recording Date | Sep 17, 2021 |
| Property Address | 114 SADDLE LN, GUYTON, GA 31312-6256 |
| Document Number | 002727/304 |
| Book / Page | 2727 / 304 |
| Instrument Date | Sep 17, 2021 |
| Instrument | 2021-003166 |
| Transaction Type | Transfer |
| Record Updated | Mar 22, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 907 E WARING ST, WAYCROSS, GA 31501-7944 |
The 2025 property tax bill for 114 Saddle Ln was $2,318 with exemptions applied.
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 | $111,514 (-) Land $23,192 Building $88,322 | $278,785 (-) Land $57,979 Building $220,806 | |
| 2025 | $2,318.00 Homeowner's exemption Senior Citizen's exemption | $111,514 Land $23,192 Building $88,322 | $278,785 Land $57,979 Building $220,806 |
| 2022 | $2,235.00 | $78,921 Land $18,800 Building $60,121 | $197,303 Land $47,000 Building $150,303 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 114 Saddle Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2002.
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 File 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 risk around 114 Saddle Ln is moderate, ranking above 43% of the US, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 43% of the US · lower than 61% of Georgia |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 45 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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