Effingham County property record for 120 Ruby Trl, Guyton, GA 31312 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 5 Beds |
| Bathrooms | 4 Baths |
| Year Built | Built 2014 |
| Square Footage | 3,530 sqft Heated Area |
| Lot Size | 34,412 sqft (0.789 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $485,000 (2021) |
| Tax Bill | $5,851.00 (2025) |
| Primary APN | 0351A-015-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 3,530 sqft Heated Area |
| Stories | 2 Stories |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Fiber Cement Siding (Hardi-Board/Hardi-Plank) Exterior |
| Foundation Type | Mat/Raft Foundation (Slab) Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Fiberglass Roof |
| Lot Area | 34,412 sqft (0.789 acres) |
| Parking Spaces | 4 Parking Spaces |
| Garage Type | Mixed Garage |
| Garage Area | 513 sqft Garage |
| Carport | Carport |
| Carport Area | 256 sqft Carport |
| Pool Area | 512 sqft Pool |
|---|---|
| Deck Area | 196 sqft Deck |
| Patio Area | 196 sqft Patio |
| Porch | Open Porch |
| Porch Area | 238 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Central Heating |
| Account Number | 7324 |
|---|---|
| Old Parcel Number | 0351A015 |
| Street Address | 120 RUBY TRL |
| City | GUYTON |
| State | GA |
| Zip | 31312-7000 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | .79 AC LOT 15 (OUT 351-1) |
| Legal Subdivision | EMERALD PLANTATION |
| Legal Block | I |
| Legal Lot Number | 15 |
| Jurisdiction | EFFINGHAM GA |
| Minor Civil Division | RINCON |
| Census Blockgroup | 2 |
| Census Block | 2006 |
| Census Tract | 30404 |
Source: Effingham County records · APN 0351A-015-000
Assessment roll updated July 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 120 RUBY TRL, GUYTON, GA 31312-7000 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Apr 11, 2025 | Deed of Trust, Mortgage · Stand Alone Second Mortgage ROCKET MORTGAGE |
| Aug 03, 2020 | Deed of Trust, Mortgage · Conventional Mortgage SOFI LENDING |
| Aug 05, 2019 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS |
| Sep 17, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE |
| Jan 20, 2022 | Limited Warranty Deed, Subdivision Related Transfer |
| Aug 20, 2021 | Warranty Deed, Transfer |
| May 01, 2017 | Warranty Deed, Transfer · Conventional Mortgage WR STARKEY MORTGAGE LLP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 20, 2021 · Amount on Record |
| Deed Sale | Aug 20, 2021 · Amount on Record |
| Prior Sale | May 01, 2017 · Amount on Record |
| Deed Doc Number | 0002725425 |
| Deed Book / Page | 2725 / 425 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Property Address | 120 RUBY TRL, GUYTON, GA 31312-7000 |
| Transaction Type | Mortgage |
| Record Updated | Oct 03, 2025 |
| Name | Verified Name |
|---|---|
| Address | 120 RUBY TRL, GUYTON, GA 31312-7000 |
| Document Number | 0000002966/0000000746 |
|---|---|
| Date | Apr 11, 2025 |
| Book Page | 0000002966/0000000746 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 01, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Property Address | 120 RUBY TRL, GUYTON, GA 31312-7000 |
| Transaction Type | Mortgage |
| Record Updated | Aug 03, 2022 |
| Name | Verified Name |
|---|---|
| Address | 120 RUBY TRL, GUYTON, GA 31312-7000 |
| Document Number | 0000002611/0000000826 |
|---|---|
| Date | Aug 03, 2020 |
| Book Page | 0000002611/0000000826 |
| Instrument | 007635 |
| Name | SOFI LENDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Property Address | 120 RUBY TRL, GUYTON, GA 31312-7000 |
| Transaction Type | Mortgage |
| Record Updated | Aug 03, 2022 |
| Name | Verified Name |
|---|---|
| Address | 120 RUBY TRL, GUYTON, GA 31312-7000 |
| Document Number | 0000002538/0000000665 |
|---|---|
| Date | Aug 05, 2019 |
| Book Page | 0000002538/0000000665 |
| Instrument | 006497 |
| Name | QUICKEN LOANS |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Property Address | 120 RUBY TRL, GUYTON, GA 31312-7000 |
| Transaction Type | Mortgage |
| Record Updated | Aug 03, 2022 |
| Name | Verified Name |
|---|---|
| Address | 120 RUBY TRL, GUYTON, GA 31312-7000 |
| Document Number | 0000002725/0000000427 |
|---|---|
| Date | Sep 17, 2021 |
| Book Page | 0000002725/0000000427 |
| Instrument | 011429 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2051 |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Recording Date | Jan 20, 2022 |
| Property Address | 120 RUBY TRL, GUYTON, GA 31312-7000 |
| Document Number | 002758/862 |
| Book / Page | 2758 / 862 |
| Instrument Date | Jan 20, 2022 |
| Instrument | 2022-000171 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 03, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 103 LOGANS LN, GUYTON, GA 31312-5774 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Recording Date | Aug 20, 2021 |
| Property Address | 120 RUBY TRL, GUYTON, GA 31312-7000 |
| Document Number | 002725/425 |
| Book / Page | 2725 / 425 |
| Instrument Date | Aug 20, 2021 |
| Instrument | 2021-002836 |
| Transaction Type | Transfer |
| Record Updated | Aug 03, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 120 RUBY TRL, GUYTON, GA 31312-7000 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Recording Date | May 01, 2017 |
| Property Address | 120 RUBY TRL, GUYTON, GA 31312-7000 |
| Document Number | 0002403/69 |
| Book / Page | 2403 / 69 |
| Instrument Date | May 01, 2017 |
| Instrument | 2017-001126 |
| Transaction Type | Transfer |
| Record Updated | Aug 03, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 120 RUBY TRL, GUYTON, GA 31312-7000 |
| Document Number | 0002403/70 |
|---|---|
| Date | May 03, 2017 |
| Book Page | 2403/70 |
| Instrument | 003679 |
| Name | WR STARKEY MORTGAGE LLP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2047 |
Source: Effingham County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Georgia |
| County | Effingham County |
| Unified School District | Effingham County School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,851.00 (+8.13%) Homeowner's exemption | $219,506 (-0.56%) Land $30,000 Building $189,506 | $548,764 (-0.56%) Land $75,000 Building $473,764 |
| 2024 | $5,411.00 (+19.34%) Homeowner's exemption | $220,738 (+12.32%) Land $30,000 Building $190,738 | $551,846 (+12.32%) Land $75,000 Building $476,846 |
| 2023 | $4,534.00 (-13.21%) Homeowner's exemption | $196,518 (+1.03%) Land $20,800 Building $175,718 | $491,296 (+1.03%) Land $52,000 Building $439,296 |
| 2022 | $5,224.00 Homeowner's exemption | $194,518 Land $18,800 Building $175,718 | $486,296 Land $47,000 Building $439,296 |
Source: FEMA National Flood Hazard Layer, Effingham County (13103C), updated October 1, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 55% of the US · above 80% of Georgia |
|---|---|
| Wildfire Likelihood | About 1 in 885 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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