116 Thoroughbred Dr, Guyton, GA 31312 Property Records

Effingham County property record for 116 Thoroughbred Dr, Guyton, GA 31312

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,564 sqft · built 2017
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$153,995 (Jun 2017)
Tax Bill	$2,478 (2025)
Deeds & Mortgages	Oct 2024 Mortgage Oct 2024 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0376D-187-000`

Property Details

APN / Parcel Number

Primary APN	`0376D-187-000`
Alternative APNs	`0376D187` `10449`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,564 sqft Heated Area
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2018
Exterior Material	Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Garage Area	460 sqft
Porch	Slab
Porch Area	24 sqft
Deck Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	10449
Street Address	116 THOROUGHBRED DR
City	GUYTON
State	GA
Zip	31312-5760
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	.20 AC LOT 187 OUT 376-15
Legal Subdivision	SOUTH BEND
Legal Block	III
Legal Lot Number	187
Jurisdiction	EFFINGHAM GA
Township / Civil Division	RINCON
Census Block Group	2
Census Block	2017
Census Tract	30403

Owner

116 Thoroughbred Dr is owned and occupied by an individual who bought it in June 2017.

Source: Effingham County records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	116 THOROUGHBRED DR, GUYTON, GA 31312-5760
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2024	Deed of Trust, Mortgage · FHA Mortgage CANOPY MORTGAGE
Oct 3, 2024	Deed of Trust, Mortgage · Line of Credit HOMEBRIDGE FINANCIAL SERVICES
Jul 12, 2017	Deed of Trust, Mortgage · Conventional Mortgage BRANCH BANKING AND TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 28, 2017 · Amount on File
Deed Sale	Jun 28, 2017 · Amount on File
Prior Sale	Mar 31, 2016 · Amount on File
Deed Document Number	20171770
Deed Book / Page	2415 / 497
Record Updated	Oct 29, 2026

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	116 THOROUGHBRED DR, GUYTON, GA 31312-5760
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116 THOROUGHBRED DR, GUYTON, GA 31312-5760

Mortgage

Document Number	0000002934/0000000986
Date	Oct 3, 2024
Book Page	0000002934/0000000986

Lender

Name	CANOPY MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2054

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	116 THOROUGHBRED DR, GUYTON, GA 31312-5760
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116 THOROUGHBRED DR, GUYTON, GA 31312-5760

Mortgage

Document Number	0000002934/0000000973
Date	Oct 3, 2024
Book Page	0000002934/0000000973
Instrument	D2024007490

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2054

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	116 THOROUGHBRED DR, GUYTON, GA 31312-5760
Transaction Type	Mortgage
Record Updated	Aug 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002415/499
Date	Jul 12, 2017
Book Page	2415/499
Instrument	006152

Lender

Name	BRANCH BANKING AND TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 116 Thoroughbred Dr was $2,478 with a homeowner's exemption, up 8.1% from the year before.

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		$119,536 (+3.66%) Land $22,800 Building $96,736	$298,840 (+3.66%) Land $57,000 Building $241,840
2025	$2,478.00 (+8.07%) Homeowner's exemption	$115,313 (-2.33%) Land $22,800 Building $92,513	$288,283 (-2.33%) Land $57,000 Building $231,283
2024	$2,293.00 (+38.63%) Homeowner's exemption	$118,062 (+16.42%) Land $22,800 Building $95,262	$295,154 (+16.42%) Land $57,000 Building $238,154
2023	$1,654.00 (-22.89%) Homeowner's exemption	$101,409 (+17.26%) Land $17,600 Building $83,809	$253,523 (+17.26%) Land $44,000 Building $209,523
2022	$2,145.00 Homeowner's exemption	$86,480 Land $16,000 Building $70,480	$216,200 Land $40,000 Building $176,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 116 Thoroughbred Dr in Zone X, an area of minimal flood risk.

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 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

Wildfire risk around 116 Thoroughbred Dr is low, with a 0.04% annual chance of 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	0.04% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	EFFINGHAM COUNTY SURFACE WATER SYSTEM serves 12,293 people · EPA ID GA1030131
Water Source	Purchased surface water from SAVANNAH-I & D
Last State Inspection	Apr 2025
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 189 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: AT&T, ClearWave, Hotwire Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Thoroughbred Dr

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