Effingham County property record for 115 Tobago Cir, Guyton, GA 31312
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,446 sqft · built 2021 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $275,990 (Sep 2021) |
| Tax Bill | $4,511 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage Mar 2024 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0418F-689-000 |
| Primary APN | 0418F-689-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,446 sqft Heated Area |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,276 sqft (0.19 acres) |
| Garage Area | 400 sqft |
| Porch | Slab |
| Porch Area | 27 sqft |
| Deck Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 31132 |
|---|---|
| Street Address | 115 TOBAGO CIR |
| City | GUYTON |
| State | GA |
| Zip | 31312-7548 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD |
| Legal Description | .191 AC LOT 689 (OUT 419-2) PLT 28/971 |
| Legal Subdivision | PARK WEST |
| Legal Phase | 5B |
| Legal Lot Number | 689 |
| Jurisdiction | EFFINGHAM GA |
| Township / Civil Division | RINCON |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 30403 |
115 Tobago Cir is owned and occupied by two individuals who bought it in September 2021.
Source: Effingham County records, as of October 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 115 TOBAGO CIR, GUYTON, GA 31312-7548 |
| 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.
| Date | Document |
|---|---|
| Sep 21, 2026 | Deed of Trust, Mortgage · FHA Mortgage US DEPARTMENT OF HOUSING AND URBAN DEVEL |
| Mar 25, 2024 | Deed of Trust, Mortgage · Conventional Mortgage US DEPARTMENT OF HOUSING AND URBAN DEVEL |
| Aug 11, 2023 | Deed of Trust, Mortgage · FHA Mortgage US DEPARTMENT OF HOUSING AND URBAN DEVEL |
| Sep 23, 2021 | Limited Warranty Deed, Subdivision Related Transfer · FHA Mortgage CARDINAL FINANCIAL |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 23, 2021 · Amount on File |
| Deed Sale | Sep 23, 2021 · Amount on File |
| Deed Document Number | 20213190 |
| Deed Book / Page | 2727 / 823 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Recording Date | Sep 21, 2026 |
| Property Address | 115 TOBAGO CIR, GUYTON, GA 31312-7548 |
| Document Number | 0000000083 |
| Book / Page | 3070 / 729 |
| Instrument Date | Aug 4, 2026 |
| Instrument | 202683 |
| Transaction Type | Mortgage |
| Record Updated | Oct 19, 2026 |
| Name | Verified Name |
|---|---|
| Address | 115 TOBAGO CIR, GUYTON, GA 31312-7548 |
| Document Number | 0000000083, |
|---|---|
| Date | Sep 21, 2026 |
| Book Page | 3070/729 |
| Instrument | 202683 |
| Name | US DEPARTMENT OF HOUSING AND URBAN DEVEL |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Aug 1, 2051 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Property Address | 115 TOBAGO CIR, GUYTON, GA 31312 |
| Transaction Type | Mortgage |
| Record Updated | Apr 22, 2024 |
| Name | Verified Name |
|---|---|
| Address | 115 TOBAGO CIR, GUYTON, GA 31312 |
| Document Number | 0000002901/0000000118 |
|---|---|
| Date | Mar 25, 2024 |
| Book Page | 0000002901/0000000118 |
| Name | US DEPARTMENT OF HOUSING AND URBAN DEVEL |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 324 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Property Address | 115 TOBAGO CIR, GUYTON, GA 31312-7548 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2023 |
| Name | Verified Name |
|---|---|
| Address | 115 TOBAGO CIR, GUYTON, GA 31312-7548 |
| Document Number | 0000002865/0000000584 |
|---|---|
| Date | Aug 11, 2023 |
| Book Page | 0000002865/0000000584 |
| Instrument | D2023006775 |
| Name | US DEPARTMENT OF HOUSING AND URBAN DEVEL |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 336 Months |
| Due | Jan 1, 2051 |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Recording Date | Sep 23, 2021 |
| Property Address | 115 TOBAGO CIR, GUYTON, GA 31312 |
| Document Number | 002727/823 |
| Book / Page | 2727 / 823 |
| Instrument Date | Sep 23, 2021 |
| Instrument | 2021-003190 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 4, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 115 TOBAGO CIR, GUYTON, GA 31312-7548 |
| Document Number | 0000002727/0000000825 |
|---|---|
| Date | Sep 27, 2021 |
| Book Page | 0000002727/0000000825 |
| Instrument | 011758 |
| Name | CARDINAL FINANCIAL |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2051 |
The 2025 property tax bill for 115 Tobago Cir was $4,511, up 1.8% from the year before.
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 | $124,884 (-6.75%) Land $22,800 Building $102,084 | $312,209 (-6.75%) Land $57,000 Building $255,209 | |
| 2025 | $4,511.00 (+1.83%) | $133,926 (-6.37%) Land $22,800 Building $111,126 | $334,815 (-6.37%) Land $57,000 Building $277,815 |
| 2024 | $4,430.00 | $143,038 Land $22,800 Building $120,238 | $357,595 Land $57,000 Building $300,595 |
| 2022 | $3,490.00 | $109,546 Land $16,000 Building $93,546 | $273,865 Land $40,000 Building $233,865 |
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.
FEMA maps place 115 Tobago Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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 risk around 115 Tobago Cir is moderate, ranking above 40% of the US, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · lower than 73% 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.
Source: FCC Broadband Data Collection, based on 263 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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