116 Tobago Cir, Guyton, GA 31312 Property Records

Effingham County property record for 116 Tobago Cir, Guyton, GA 31312

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,361 sqft · built 2021
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$325,000 (Dec 2022)
Tax Bill	$553 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Dec 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0418F-625-000`

Property Details

APN / Parcel Number

Primary APN	`0418F-625-000`
Alternative APNs	`0418F625` `31099`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,361 sqft Heated Area
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2022
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.17 acres)
Garage Area	441 sqft
Porch	Slab
Porch Area	85 sqft
Deck Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	31099
Street Address	116 TOBAGO CIR
City	GUYTON
State	GA
Zip	31312-7548
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	.169 AC LOT 625 (OUT 419-2) PLT 28/971
Legal Subdivision	PARK WEST
Legal Phase	5B
Legal Lot Number	625
Jurisdiction	EFFINGHAM GA
Township / Civil Division	RINCON
Census Block Group	2
Census Block	2020
Census Tract	30403

Owner

Source: Effingham County records · APN 0418F-625-000

Assessment roll updated December 22, 2025 · Last verified April 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 File
Mailing Address	116 TOBAGO CIR, GUYTON, GA 31312-7548
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL PART
Dec 01, 2022	Limited Warranty Deed, Transfer · VA Mortgage MOVEMENT MORTGAGE
Sep 23, 2021	Limited Warranty Deed, Subdivision Related Transfer · FHA Mortgage CARDINAL FINANCIAL
Sep 23, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 01, 2022 · Amount on Record
Deed Sale	Dec 01, 2022 · Amount on Record
Prior Sale	Sep 23, 2021 · Amount on Record
Deed Document Number	20223542
Deed Book / Page	2821 / 13
Record Updated	Jun 08, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	116 TOBAGO CIR, GUYTON, GA 31312-7548
Transaction Type	Mortgage
Record Updated	Mar 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002728/0000000485
Date	Sep 28, 2021
Book Page	0000002728/0000000485
Instrument	011841

Lender

Name	CARDINAL FINANCIAL PART

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2051

December 2022: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Dec 01, 2022
Property Address	116 TOBAGO CIR, GUYTON, GA 31312-7548
Document Number	0002821/13
Book / Page	2821 / 13
Instrument Date	Dec 01, 2022
Instrument	2022-003542
Transaction Type	Transfer
Record Updated	Aug 04, 2023

Transaction

Amount	Amount Recorded
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	116 TOBAGO CIR, GUYTON, GA 31312-7548

Mortgage

Document Number	0000002821/0000000015
Date	Dec 01, 2022
Book Page	0000002821/0000000015
Instrument	011567

Lender

Name	MOVEMENT MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2053

September 2021: Limited Warranty Deed, Subdivision Related Transfer

Document Type	Limited Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Sep 23, 2021
Property Address	116 TOBAGO CIR, GUYTON, GA 31312-7548
Document Number	002728/457
Book / Page	2728 / 457
Instrument Date	Sep 23, 2021
Instrument	2021-003182
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 05, 2024

Transaction

Amount	Amount Recorded
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	116 TOBAGO CIR, GUYTON, GA 31312-7548

Mortgage

Document Number	0000011840
Date	Sep 23, 2021
Instrument	011840

Lender

Name	CARDINAL FINANCIAL

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	352 Months
Due	Jan 01, 2051

Mortgage

Document Number	0000002728/0000000485
Date	Sep 28, 2021
Book Page	0000002728/0000000485
Instrument	011841

Lender

Name	CARDINAL FINANCIAL PART

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2051

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Sep 23, 2021
Property Address	116 TOBAGO CIR, GUYTON, GA 31312-7548
Document Number	002728/663
Book / Page	2728 / 663
Instrument Date	Sep 23, 2021
Instrument	2021-003215
Transaction Type	Transfer
Record Updated	Aug 04, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116 TOBAGO CIR, GUYTON, GA 31312-7548

Tax Assessment & Valuation

Source: Effingham County records · Assessment roll updated December 22, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Georgia
County	Effingham County
Unified School District	Effingham County School District (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$553.00 (-57.56%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$140,080 (-4.53%) Land $22,800 Building $117,280	$350,199 (-4.53%) Land $57,000 Building $293,199
2024	$1,303.00 (-62.58%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$146,721 (+34.24%) Land $22,800 Building $123,921	$366,802 (+34.24%) Land $57,000 Building $309,802
2022	$3,482.00	$109,296 Land $16,000 Building $93,296	$273,241 Land $40,000 Building $233,241

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 1, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 49 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	49 in force

Wildfire

Wildfire Risk	Moderate above 40% of the US · lower than 73% of Georgia
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Planters Rural Telephone Cooperative Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 263 locations within half a mile of this property.

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