118 Broken Bit Cir, Guyton, GA 31312 Property Records

Effingham County property record for 118 Broken Bit Cir, Guyton, GA 31312

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,659 sqft · built 2012
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on File
Last Sale	$270,000 (Mar 2015)
Tax Bill	$5,084 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0416A-258-000`

Property Details

APN / Parcel Number

Primary APN	`0416A-258-000`
Alternative APNs	`0416A258` `13953`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	3,659 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2013
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Gambrel
Roof Material	Composition Shingle
Lot Area	11,761 sqft (0.27 acres)
Garage Area	460 sqft
Porch	Patio
Porch Area	84 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	13953
Street Address	118 BROKEN BIT CIR
City	GUYTON
State	GA
Zip	31312-7140
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	.27 AC LOT 258 (OUT 416-20A)
Legal Subdivision	SADDLECLUB @ BELMONT
Legal Phase	1
Legal Lot Number	258
Jurisdiction	EFFINGHAM GA
Township / Civil Division	RINCON
Census Block Group	2
Census Block	2000
Census Tract	30301

Owner

118 Broken Bit Cir is owned and occupied by two individuals who bought it in March 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	118 BROKEN BIT CIR, GUYTON, GA 31312-7140
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
Jun 18, 2026	Deed of Trust, Mortgage · Conventional Mortgage NAVY FEDERAL CREDIT UNION
Dec 14, 2020	Deed of Trust, Mortgage · VA Mortgage GUILD MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 25, 2015 · Amount on File
Deed Sale	Mar 25, 2015 · Amount on File
Prior Sale	Aug 24, 2012 · Amount on File
Deed Document Number	2015682
Deed Book / Page	2284 / 570
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Recording Date	Jun 18, 2026
Property Address	118 BROKEN BIT CIR, GUYTON, GA 31312-7140
Document Number	0000000540
Book / Page	3051 / 662
Instrument Date	Jun 11, 2026
Instrument	2026540
Transaction Type	Mortgage
Record Updated	Aug 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 BROKEN BIT CIR, GUYTON, GA 31312-7140

Mortgage

Document Number	0000000540,
Date	Jun 18, 2026
Book Page	3051/662
Instrument	2026540

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 1, 2041

Interest

Rate	5.71%
Max Rate	-1%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	118 BROKEN BIT CIR, GUYTON, GA 31312-7140
Transaction Type	Mortgage
Record Updated	Aug 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 BROKEN BIT CIR, GUYTON, GA 31312-7140

Mortgage

Document Number	0000002646/0000000180
Date	Dec 14, 2020
Book Page	0000002646/0000000180
Instrument	013117

Lender

Name	GUILD MORTGAGE

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 118 Broken Bit Cir was $5,084 with a homeowner's exemption, up 11.3% 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		$198,927 (+7.53%) Land $22,800 Building $176,127	$497,318 (+7.53%) Land $57,000 Building $440,318
2025	$5,084.00 (+11.27%) Homeowner's exemption	$185,001 (+2.89%) Land $22,800 Building $162,201	$462,503 (+2.89%) Land $57,000 Building $405,503
2024	$4,569.00 (+21.81%) Homeowner's exemption	$179,798 (+5.52%) Land $22,800 Building $156,998	$449,495 (+5.52%) Land $57,000 Building $392,495
2023	$3,751.00 (-16.87%)	$170,392 (+17.36%) Land $18,800 Building $151,592	$425,981 (+17.36%) Land $47,000 Building $378,981
2022	$4,512.00	$145,190 Land $18,000 Building $127,190	$362,976 Land $45,000 Building $317,976

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

Flood

FEMA maps place 118 Broken Bit Cir in Zone X, an area of minimal flood risk, within 100 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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.

Wildfire

Wildfire risk around 118 Broken Bit Cir is moderate, ranking above 48% of the US, with a 0.08% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 48% of the US · above 58% of Georgia
Wildfire Likelihood	0.08% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 206 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: Hotwire Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Broken Bit Cir

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