115 Cypress Loop, Bloomingdale, GA 31302 Property Records

Effingham County property record for 115 Cypress Loop, Bloomingdale, GA 31302

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 4,109 sqft · built 2017
Lot Size	0.41 acres (17,860 sqft)
Owner	2 Individual Names on Record
Last Sale	$465,000 (Aug 2022)
Tax Bill	$7,200 (2025)
Deeds & Mortgages	Jun 2017 Mortgage Aug 2021 Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`0303A-149-000`

Property Details

APN / Parcel Number

Primary APN	`0303A-149-000`
Alternative APNs	`0303A149` `3813`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	4,109 sqft Heated Area
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2018
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Fiberglass
Lot Area	17,860 sqft (0.41 acres)
Garage Area	655 sqft
Porch	Slab
Porch Area	165 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	3813
Street Address	115 CYPRESS LOOP
City	BLOOMINGDALE
State	GA
Zip	31302-0075
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	.41 AC LOT 149 (OUT 303-15)
Legal Subdivision	CYPRESS LAKES
Legal Phase	3
Legal Block	3
Legal Lot Number	149
Jurisdiction	EFFINGHAM GA
Township / Civil Division	RINCON
Census Block Group	3
Census Block	3029
Census Tract	30401

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	2 Individual Names on Record
Mailing Address	115 CYPRESS LOOP, BLOOMINGDALE, GA 31302-0075
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 20, 2017	Deed of Trust, Mortgage · VA Mortgage FIDELITY BANK
Aug 27, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE
Sep 16, 2016	Deed of Trust, Mortgage AMERIS BANK
Aug 18, 2022	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE
Aug 18, 2022	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2022 · Amount on Record
Deed Sale	Aug 30, 2022 · Amount on Record
Prior Sale	Sep 17, 2015
Deed Document Number	20222510
Deed Book / Page	2805 / 382
Record Updated	Oct 29, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	115 CYPRESS LOOP, BLOOMINGDALE, GA 31302-0075
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002411/932
Date	Jun 20, 2017
Book Page	2411/932
Instrument	005546

Lender

Name	FIDELITY BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2047

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	115 CYPRESS LOOP, BLOOMINGDALE, GA 31302-0075
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 CYPRESS LOOP, BLOOMINGDALE, GA 31302-0075

Mortgage

Document Number	0000002720/0000000084
Date	Aug 27, 2021
Book Page	0000002720/0000000084
Instrument	010590

Lender

Name	FREEDOM MORTGAGE

Agreement

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

September 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	115 CYPRESS LOOP, BLOOMINGDALE, GA 31302-0075
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	002367/140
Date	Sep 16, 2016
Book Page	2367/140
Instrument	007929

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Oct 1, 2017

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Aug 18, 2022
Property Address	115 CYPRESS LOOP, BLOOMINGDALE, GA 31302-0075
Document Number	002805/382
Book / Page	2805 / 382
Instrument Date	Aug 18, 2022
Instrument	2022-002510
Transaction Type	Transfer
Record Updated	Nov 30, 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	115 CYPRESS LOOP, BLOOMINGDALE, GA 31302-0075

Mortgage

Document Number	0000002805/0000000384
Date	Aug 30, 2022
Book Page	0000002805/0000000384
Instrument	008808

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Aug 18, 2022
Property Address	115 CYPRESS LOOP, BLOOMINGDALE, GA 31302-0075
Document Number	002805/382
Book / Page	2805 / 382
Instrument Date	Aug 18, 2022
Instrument	2022-002510
Transaction Type	Transfer
Record Updated	Apr 2, 2026

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	115 CYPRESS LOOP, BLOOMINGDALE, GA 31302-0075
Investor	Possibly a Property Investor

Mortgage

Document Number	0000008808
Date	Aug 18, 2022
Instrument	008808

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Jan 1, 2052

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		$217,753 (-3.19%) Land $22,800 Building $194,953	$544,382 (-3.19%) Land $57,000 Building $487,382
2025	$7,200.00 (+0.93%) Homeowner's exemption	$224,931 (-6%) Land $22,800 Building $202,131	$562,328 (-6%) Land $57,000 Building $505,328
2024	$7,134.00 (+33.32%)	$239,292 (+23.95%) Land $22,800 Building $216,492	$598,231 (+23.95%) Land $57,000 Building $541,231
2023	$5,351.00 (+7.06%)	$193,049 (+19.03%) Land $18,000 Building $175,049	$482,623 (+19.03%) Land $45,000 Building $437,623
2022	$4,998.00	$162,185 Land $18,000 Building $144,185	$405,463 Land $45,000 Building $360,463

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 55 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	55 in force
Nearby Flood Claims	13 (2020–2024)
Most Recent Claim	Aug 2024 · Tropical Storm Debby
Claims by Event	Tropical Storm Debby, Aug 2024 · 12 claims

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	0.05% annual chance
Exposure	Direct 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 70 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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