Effingham County property record for 116 Saddle Ln, Guyton, GA 31312
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,851 sqft · built 1994 |
| Lot Size | 0.78 acres (33,977 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $116,500 (Jul 1997) |
| Tax Bill | $2,901 (2025) |
| Deeds & Mortgages | Aug 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0435B-015-000 |
| Primary APN | 0435B-015-000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,851 sqft Heated Area |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Brick Veneer |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Shed Roof |
| Roof Material | Composition Shingle |
| Lot Area | 33,977 sqft (0.78 acres) |
| Garage Type | Mixed |
| Garage Area | 1,445 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 510 sqft |
| Deck Area | 208 sqft |
| Patio Area | 208 sqft |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Utility Building | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 16191 |
|---|---|
| Street Address | 116 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 | .78 AC LOT 15 |
| Legal Subdivision | SADDLEBROOK |
| Legal Phase | 4 |
| Legal Block | IV |
| Legal Lot Number | 15 |
| Jurisdiction | EFFINGHAM GA |
| Township / Civil Division | RINCON |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 30301 |
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 | 116 SADDLE LN, GUYTON, GA 31312-6256 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 23, 1997 · Amount on Record |
| Deed Sale | Jul 23, 1997 · Amount on Record |
| Deed Book / Page | 442 / 138 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Property Address | 116 SADDLE LN, GUYTON, GA 31312-6256 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 002424/848 |
|---|---|
| Date | Aug 25, 2017 |
| Book Page | 2424/848 |
| Instrument | 007832 |
| Name | STEARNS LENDING |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 1, 2032 |
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 | $127,166 (%) Land $22,800 Building $104,366 | $317,917 (-) Land $57,000 Building $260,917 | |
| 2025 | $2,901.00 (+11.15%) Homeowner's exemption Senior Citizen's exemption | $127,167 (+5.75%) Land $22,800 Building $104,367 | $317,917 (+5.75%) Land $57,000 Building $260,917 |
| 2024 | $2,610.00 (-7.94%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $120,255 (+34.37%) Land $22,800 Building $97,455 | $300,638 (+34.37%) Land $57,000 Building $243,638 |
| 2022 | $2,835.00 Homeowner's exemption | $89,493 Land $18,800 Building $70,693 | $223,733 Land $47,000 Building $176,733 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 A, within 500 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.
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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