Effingham County property record for 118 Saddle Ln, Guyton, GA 31312
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,036 sqft · built 1995 |
| Lot Size | 0.88 acres (38,333 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $260,000 (Apr 2021) |
| Tax Bill | $3,613 (2025) |
| Deeds & Mortgages | Mar 2020 Mortgage Apr 2021 Sale + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0435B-014-000 |
| Primary APN | 0435B-014-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,036 sqft Heated Area |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Brick Veneer |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Shed Roof |
| Roof Material | Composition Shingle |
| Lot Area | 38,333 sqft (0.88 acres) |
| Garage Area | 462 sqft |
| Porch | Slab |
| Porch Area | 302 sqft |
| Patio Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 16190 |
|---|---|
| Street Address | 118 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 | .88 AC LOT 14 |
| Legal Subdivision | SADDLEBROOK |
| Legal Phase | 4 |
| Legal Block | 4 |
| Legal Lot Number | 14 |
| Jurisdiction | EFFINGHAM GA |
| Township / Civil Division | RINCON |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 30301 |
118 Saddle Ln is owner-occupied and held in a trust since April 2021.
Source: Effingham County records, as of September 23, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 118 SADDLE LN, GUYTON, GA 31312-6256 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Living Trust |
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 |
|---|---|
| Mar 18, 2020 | Deed of Trust, Mortgage · Commercial Mortgage AMERIS BANK |
| Apr 9, 2021 | Warranty Deed, Transfer |
| Mar 10, 2020 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER |
| Aug 20, 2019 | Warranty Deed, Transfer |
| Aug 6, 2019 | Foreclosure |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 9, 2021 · Amount on File |
| Deed Sale | Apr 9, 2021 · Amount on File |
| Prior Sale | Mar 10, 2020 · Amount on File |
| Deed Document Number | 20211112 |
| Deed Book / Page | 2679 / 785 |
| Prior Transfer Date | Aug 6, 2019 |
| Prior Transfer Doc | 002543/217 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Property Address | 118 SADDLE LN, GUYTON, GA 31312-6256 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2022 |
| Name | Verified Name |
|---|---|
| Address | 118 SADDLE LN, GUYTON, GA 31312-6256 |
| Document Number | 0000002580/0000000342 |
|---|---|
| Date | Mar 18, 2020 |
| Book Page | 0000002580/0000000342 |
| Instrument | 002612 |
| Name | AMERIS BANK |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 36 Months |
| Due | Jan 1, 2023 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Recording Date | Apr 9, 2021 |
| Property Address | 118 SADDLE LN, GUYTON, GA 31312-6256 |
| Document Number | 002679/785 |
| Book / Page | 2679 / 785 |
| Instrument Date | Apr 9, 2021 |
| Instrument | 2021-001112 |
| Transaction Type | Transfer |
| Record Updated | Mar 22, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 118 SADDLE LN, GUYTON, GA 31312-6256 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Recording Date | Mar 10, 2020 |
| Property Address | 118 SADDLE LN, GUYTON, GA 31312-6256 |
| Document Number | 002579/693 |
| Book / Page | 2579 / 693 |
| Instrument Date | Mar 10, 2020 |
| Instrument | 2020-000667 |
| Transaction Type | Transfer |
| Record Updated | Mar 22, 2022 |
| 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 | 118 SADDLE LN, GUYTON, GA 31312-6256 |
| Document Number | 0000002579/0000000697 |
|---|---|
| Date | Mar 16, 2020 |
| Book Page | 0000002579/0000000697 |
| Instrument | 002487 |
| Name | MORTGAGE RESEARCH CENTER |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Recording Date | Aug 20, 2019 |
| Property Address | 118 SADDLE LN, GUYTON, GA 31312-6256 |
| Document Number | 002549/481 |
| Book / Page | 2549 / 481 |
| Instrument Date | Aug 20, 2019 |
| Instrument | 2019-002602 |
| Transaction Type | Transfer |
| Record Updated | Mar 22, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 16134, SAVANNAH, GA 31416-2834 |
| Investor | Possibly a Property Investor |
| Document Type | Foreclosure |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Recording Date | Aug 6, 2019 |
| Property Address | 118 SADDLE LN, GUYTON, GA 31312-6256 |
| Document Number | 002543/217 |
| Book / Page | 2543 / 217 |
| Instrument Date | Aug 6, 2019 |
| Instrument | 2019-002300 |
| Transaction Type | Foreclosure |
| Record Updated | Mar 22, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 16134, SAVANNAH, GA 31416-2834 |
The 2025 property tax bill for 118 Saddle Ln was $3,613 with a homeowner's exemption, up 10.8% 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 | $141,293 (-) Land $22,800 Building $118,493 | $353,233 (-) Land $57,000 Building $296,233 | |
| 2025 | $3,613.00 (+10.83%) Homeowner's exemption | $141,293 (+5.03%) Land $22,800 Building $118,493 | $353,233 (+5.03%) Land $57,000 Building $296,233 |
| 2024 | $3,260.00 Homeowner's exemption | $134,523 Land $22,800 Building $111,723 | $336,307 Land $57,000 Building $279,307 |
| 2022 | $3,089.00 Homeowner's exemption | $98,420 Land $18,800 Building $79,620 | $246,051 Land $47,000 Building $199,051 |
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 118 Saddle Ln 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 A, within 500 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 risk around 118 Saddle Ln is moderate, ranking above 43% of the US, with a 0.06% annual chance of wildfire.
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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