118 Willow Dr, Guyton, GA 31312 Property Records

Effingham County property record for 118 Willow Dr, Guyton, GA 31312

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,316 sqft · built 2006
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on Record
Last Sale	$292,000 (Apr 2026)
Tax Bill	$3,880 (2025)
Deeds & Mortgages	Sep 2019 Mortgage Dec 2025 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`0394B-019-000`

Property Details

APN / Parcel Number

Primary APN	`0394B-019-000`
Alternative APNs	`0394B019` `11763`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,316 sqft Heated Area
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2018
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Fiberglass
Lot Area	9,148 sqft (0.21 acres)
Garage Area	294 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	36 sqft
Deck Area	140 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	11763
Street Address	118 WILLOW DR
City	GUYTON
State	GA
Zip	31312-5631
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	.21 AC LOT 19 (OUT 394-7)
Legal Subdivision	TIMBERLAKE
Legal Phase	1
Legal Lot Number	19
Jurisdiction	EFFINGHAM GA
Township / Civil Division	RINCON
Census Block Group	4
Census Block	4007
Census Tract	30301

Owner

Source: Effingham County records, as of June 10, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	118 WILLOW DR, GUYTON, GA 31312-5631
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2019	Deed of Trust, Mortgage · VA Mortgage AMERISAVE MORTGAGE
Dec 5, 2025	Deed of Trust, Mortgage NAVY FEDERAL CREDIT UNION
Apr 15, 2026	Warranty Deed, Transfer · FHA Mortgage PRESIDENTIAL BANK
Dec 20, 2022	Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE
Oct 4, 2022	Foreclosure · Conventional Mortgage INVESTMENT HOLDINGS MANAGEMENT
May 6, 2016	Warranty Deed, Transfer · VA Mortgage MONEY SOURCE
Jan 19, 2007	Deed, Transfer · Conventional Mortgage SUNTRUST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 15, 2026 · Amount on Record
Deed Sale	Apr 15, 2026 · Amount on Record
Prior Sale	Nov 7, 2022 · Amount on Record
Deed Book / Page	3037 / 532
Record Updated	Sep 20, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	118 WILLOW DR, GUYTON, GA 31312-5631
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 WILLOW DR, GUYTON, GA 31312-5631

Mortgage

Document Number	0000002547/0000000240
Date	Sep 25, 2019
Book Page	0000002547/0000000240
Instrument	008023

Lender

Name	AMERISAVE MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2049

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	118 WILLOW DR, GUYTON, GA 31312-5631
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 WILLOW DR, GUYTON, GA 31312-5631

Mortgage

Document Number	0000003011/0000000766
Date	Dec 5, 2025
Book Page	0000003011/0000000766

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Amount	Amount Recorded
Term	480 Months
Due	Jan 1, 2066

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Apr 15, 2026
Property Address	118 WILLOW DR, GUYTON, GA 31312-5631
Document Number	3037000532
Book / Page	3037 / 532
Instrument Date	Apr 14, 2026
Transaction Type	Transfer
Record Updated	Jun 8, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 WILLOW DR, GUYTON, GA 31312-5631

Mortgage

Document Number	3037000534,
Date	Apr 15, 2026
Book Page	3037/534

Lender

Name	PRESIDENTIAL BANK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate	6.11%
Max Rate	-1%

Mortgage

Document Number	0000003037/0000000551,
Date	Apr 15, 2026
Book Page	3037/551

Lender

Name	PRESIDENTIAL BANK

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate	6.11%
Max Rate	-1%

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Dec 20, 2022
Property Address	118 WILLOW DR, GUYTON, GA 31312-5631
Document Number	002824/842
Book / Page	2824 / 842
Instrument Date	Dec 20, 2022
Instrument	2022-003759
Transaction Type	Transfer
Record Updated	May 2, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 WILLOW DR, GUYTON, GA 31312-5631

Mortgage

Document Number	0000002824/0000000844
Date	Dec 27, 2022
Book Page	0000002824/0000000844
Instrument	012328

Lender

Name	UNITED WHOLESALE

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2053

October 2022: Foreclosure

Document Type	Foreclosure
Jurisdiction	EFFINGHAM GA
Recording Date	Oct 4, 2022
Property Address	118 WILLOW DR, GUYTON, GA 31312-5631
Document Number	002817/905
Book / Page	2817 / 905
Instrument Date	Oct 4, 2022
Instrument	2022-003324
Transaction Type	Foreclosure
Record Updated	Aug 10, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 4367, EASTMAN, GA 31023-4367

Mortgage

Document Number	0000010895
Date	Oct 4, 2022
Instrument	010895

Lender

Name	INVESTMENT HOLDINGS MANAGEMENT

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	3 Months
Due	Jan 1, 2023

May 2016: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	May 6, 2016
Property Address	118 WILLOW DR, GUYTON, GA 31312-5631
Document Number	0002347/96
Book / Page	2347 / 96
Instrument Date	May 6, 2016
Instrument	2016-001110
Transaction Type	Transfer
Record Updated	Mar 22, 2022

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	118 WILLOW DR, GUYTON, GA 31312-5631

Mortgage

Document Number	0002347/98
Date	May 16, 2016
Book Page	2347/98
Instrument	004166

Lender

Name	MONEY SOURCE

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2046

January 2007: Deed, Transfer

Document Type	Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Jan 19, 2007
Property Address	118 WILLOW DR, GUYTON, GA 31312-5631
Document Number	001576/241
Book / Page	1576 / 241
Instrument Date	Jan 19, 2007
Instrument	2007-000186
Transaction Type	Transfer
Record Updated	Mar 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Partial Interest

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 WILLOW DR, GUYTON, GA 31312-5631

Mortgage

Document Number	001576/243
Date	Jan 25, 2007
Book Page	1576/243

Lender

Name	SUNTRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2037

Tax Assessment & Valuation

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
2025	$3,880.00 (+16.41%)	$114,450 (+9.55%) Land $22,800 Building $91,650	$286,125 (+9.55%) Land $57,000 Building $229,125
2024	$3,333.00 (+22.31%)	$104,471 (+17.95%) Land $22,800 Building $81,671	$261,177 (+17.95%) Land $57,000 Building $204,177
2023	$2,725.00 (+21.11%)	$88,569 (+33.84%) Land $22,000 Building $66,569	$221,423 (+33.84%) Land $55,000 Building $166,423
2022	$2,250.00	$66,174 Land $17,040 Building $49,134	$165,436 Land $42,600 Building $122,836

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.

Flood

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 Record median of 22 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	22 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

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

Wildfire Risk	Moderate above 42% of the US · lower than 65% of Georgia
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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 177 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

Cell Coverage

5G (outdoors only) and 4G LTE

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