1185 Union Spring Rd, Clyo, GA 31303 Property Records

Effingham County property record for 1185 Union Spring Rd, Clyo, GA 31303

Property Summary

Property Type	Single Family Home
Details	2 ba · 4,395 sqft · built 2005
Lot Size	104 acres (4,573,364 sqft)
Owner	2 Individual Names on File
Last Sale	$150,000 (Aug 2017)
Tax Bill	$6,225 (2025)
Deeds & Mortgages	Mar 2017 Mortgage Aug 2017 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04560-035-000`

Property Details

APN / Parcel Number

Primary APN	`04560-035-000`
Alternative APNs	`00970014000` `04560035` `18146`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	4,395 sqft Heated Area
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2006
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Shed Roof
Roof Material	Fiberglass
Lot Area	4,573,364 sqft (104 acres)
Garage Type	Carport
Garage Area	280 sqft
Carport	Carport
Carport Area	280 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	1,130 sqft
Deck Area	384 sqft
Patio Area	372 sqft
Shed	1 Shed
Shed Area	600 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	18146
Street Address	1185 UNION SPRING RD
City	CLYO
State	GA
Zip	31303-3803
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR-1
Legal Description	104.99 AC SPLT 456-35C (PLT 28/146) 2025 CUVA
Jurisdiction	EFFINGHAM GA
Township / Civil Division	GUYTON-SPRINGFIELD
Census Block Group	2
Census Block	2001
Census Tract	30206

Owner

1185 Union Spring Rd is owned and occupied by two individuals who bought it in August 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	1185 UNION SPRING RD, CLYO, GA 31303-3803
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
Mar 2, 2017	Deed of Trust, Mortgage BANK OF NEWINGTON
Aug 31, 2017	Warranty Deed, Transfer
Aug 31, 2017	Warranty Deed, Transfer · Conventional Mortgage AGSOUTH FARM CREDIT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2017 · Amount on File
Deed Sale	Aug 31, 2017 · Amount on File
Prior Sale	Nov 10, 1998
Deed Document Number	20172438
Deed Book / Page	2425 / 980
Record Updated	Oct 29, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	1185 UNION SPRING RD, CLYO, GA 31303-3803
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2392/482
Date	Mar 2, 2017
Book Page	2392/482
Instrument	001721

Lender

Name	BANK OF NEWINGTON
Type	Bank

Agreement

Amount	Amount on Record
Term	12 Months
Due	Apr 1, 2018

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Aug 31, 2017
Property Address	1185 UNION SPRING RD, CLYO, GA 31303-3803
Document Number	002426/788
Book / Page	2426 / 788
Instrument Date	Aug 31, 2017
Instrument	2017-002439
Transaction Type	Transfer
Record Updated	Mar 22, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1185 UNION SPRING RD, CLYO, GA 31303-3803

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Aug 31, 2017
Property Address	1185 UNION SPRING RD, CLYO, GA 31303-3803
Document Number	002425/980
Book / Page	2425 / 980
Instrument Date	Aug 31, 2017
Instrument	2017-002438
Transaction Type	Transfer
Record Updated	Mar 22, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	1185 UNION SPRING RD, CLYO, GA 31303-3803

Mortgage

Document Number	2425/981
Date	Aug 31, 2017
Book Page	2425/981
Instrument	008044

Lender

Name	AGSOUTH FARM CREDIT

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 1185 Union Spring Rd was $6,225 with a homeowner's exemption, up 11.4% 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		$279,046 (+2.78%) Land $88,000 Building $191,046	$697,614 (+2.78%) Land $220,000 Building $477,614
2025	$6,225.00 (+11.36%) Homeowner's exemption	$271,495 (-0.46%) Land $83,853 Building $187,642	$678,738 (-0.46%) Land $209,633 Building $469,105
2024	$5,590.00 Homeowner's exemption	$272,745 Land $84,883 Building $187,862	$681,862 Land $212,207 Building $469,655
2022	$5,540.00 Homeowner's exemption	$256,631 Land $84,883 Building $171,748	$641,578 Land $212,207 Building $429,371

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

Flood

FEMA maps place 1185 Union Spring Rd 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	4 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 1185 Union Spring Rd is moderate, ranking above 47% 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 47% of the US · above 53% of Georgia
Wildfire Likelihood	0.08% 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 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000

Cell Coverage

5G and 4G LTE (outdoors only)

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