Effingham County property record for 120 Cook St, Springfield, GA 31329
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,630 sqft · built 2020 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | Individual Name on File |
| Last Sale | $196,900 (Feb 2021) |
| Tax Bill | $4,110 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage Feb 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | S110A-025-000 |
| Primary APN | S110A-025-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,630 sqft Heated Area |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Fiberglass |
| Lot Area | 12,197 sqft (0.28 acres) |
| Garage Area | 360 sqft |
| Porch | Slab |
| Deck Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 30478 |
|---|---|
| Street Address | 120 COOK ST |
| City | SPRINGFIELD |
| State | GA |
| Zip | 31329-6511 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | .275 AC LOT 25 (OUT S118-10) PLT 28/794-796 |
| Legal Subdivision | DASHER POINTE |
| Legal Phase | 1 |
| Legal Lot Number | 25 |
| Jurisdiction | EFFINGHAM GA |
| Township / Civil Division | GUYTON-SPRINGFIELD |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 30209 |
120 Cook St is owned and occupied by an individual who bought it in February 2021.
Source: Effingham County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 120 COOK ST, SPRINGFIELD, GA 31329-6511 |
| 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.
| Date | Document |
|---|---|
| Aug 6, 2020 | Deed of Trust, Mortgage · Commercial Mortgage COLONY BANK |
| Feb 18, 2021 | Limited Warranty Deed, Subdivision Related Transfer · Conventional Mortgage GUILD MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 18, 2021 · Amount on File |
| Deed Sale | Feb 18, 2021 · Amount on File |
| Deed Document Number | 2021570 |
| Deed Book / Page | 2667 / 745 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Property Address | 120 COOK ST, SPRINGFIELD, GA 31329-6511 |
| Transaction Type | Mortgage |
| Record Updated | Aug 3, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000002613/0000000010 |
|---|---|
| Date | Aug 6, 2020 |
| Book Page | 0000002613/0000000010 |
| Instrument | 007795 |
| Name | COLONY BANK |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Jan 1, 2021 |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Recording Date | Feb 18, 2021 |
| Property Address | 120 COOK ST, SPRINGFIELD, GA 31329-6511 |
| Document Number | 002667/745 |
| Book / Page | 2667 / 745 |
| Instrument Date | Feb 18, 2021 |
| Instrument | 2021-000570 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 3, 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 | 120 COOK ST, SPRINGFIELD, GA 31329-6511 |
| Document Number | 0000002667/0000000747 |
|---|---|
| Date | Mar 4, 2021 |
| Book Page | 0000002667/0000000747 |
| Instrument | 002469 |
| Name | GUILD MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2051 |
The 2025 property tax bill for 120 Cook St was $4,110, up 23.8% from the year before.
Source: Effingham County assessment roll, as of December 22, 2025
| Type | Name |
|---|---|
| State | Georgia |
| County | Effingham County |
| Municipality | Springfield City |
| Unified School District | Effingham County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $113,064 (-) Land $22,800 Building $90,264 | $282,660 (-) Land $57,000 Building $225,660 | |
| 2025 | $4,110.00 (+23.8%) | $113,064 (+16.72%) Land $22,800 Building $90,264 | $282,660 (+16.72%) Land $57,000 Building $225,660 |
| 2024 | $3,320.00 | $96,868 Land $22,800 Building $74,068 | $242,169 Land $57,000 Building $185,169 |
| 2022 | $2,843.00 | $79,685 Land $16,000 Building $63,685 | $199,212 Land $40,000 Building $159,212 |
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 120 Cook St 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 | 3 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 risk around 120 Cook St is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 88% of Georgia |
|---|---|
| Wildfire Likelihood | 0.05% 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.
Source: FCC Broadband Data Collection, based on 45 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber | 2,000 / 2,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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