Effingham County property record for 120 Watson Mill Rd, Guyton, GA 31312
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 4,088 sqft · built 2024 |
| Lot Size | 0.469 acres (20,473 sqft) |
| Owner | Individual Name on File |
| Last Sale | $588,900 (May 2025) |
| Tax Bill | $5,036 (2025) |
| Deeds & Mortgages | Aug 2024 Construction Loan May 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 00510023A00 |
| Primary APN | 00510023A00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 4,088 sqft Heated Area |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2025 |
| Exterior Material | Fiber Cement Siding |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Fiberglass |
| Lot Area | 20,473 sqft (0.469 acres) |
| Garage Area | 517 sqft |
| Porch | Open Porch |
| Porch Area | 316 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 32868 |
|---|---|
| Street Address | 120 WATSON MILL RD |
| City | GUYTON |
| State | GA |
| Zip | 31312-6677 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | .4731 AC LOT 178 (OUT 352-37) PLT 29/670 |
| Legal Subdivision | COVERED BRIDGE |
| Legal Phase | 3 |
| Legal Lot Number | 176 |
| Jurisdiction | EFFINGHAM GA |
| Township / Civil Division | RINCON |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 30207 |
Source: Effingham County assessment roll, as of July 1, 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 WATSON MILL RD, GUYTON, GA 31312-6677 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 19, 2024 | Deed of Trust, Mortgage · Construction Mortgage SOUTHSTATE BANK |
| May 12, 2025 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage CEFEDERAL CREDIT UNION |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 12, 2025 · Amount on Record |
| Deed Sale | May 12, 2025 · Amount on Record |
| Deed Document Number | 0002972639 |
| Deed Book / Page | 2972 / 639 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Property Address | 120 WATSON MILL RD, GUYTON, GA 31312-6677 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000002926/0000000602 |
|---|---|
| Date | Aug 19, 2024 |
| Book Page | 0000002926/0000000602 |
| Instrument | D2024006285 |
| Name | SOUTHSTATE BANK |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jan 1, 2025 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Recording Date | May 12, 2025 |
| Property Address | 120 WATSON MILL RD, GUYTON, GA 31312-6677 |
| Document Number | 002972/639 |
| Book / Page | 2972 / 639 |
| Instrument Date | May 9, 2025 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 22, 2025 |
| 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 WATSON MILL RD, GUYTON, GA 31312-6677 |
| Document Number | D2025003666 |
|---|---|
| Date | May 12, 2025 |
| Instrument | D2025-003666 |
| Name | CEFEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 356 Months |
| Due | Jan 1, 2055 |
Source: Effingham County assessment roll, as of July 1, 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 |
|---|---|---|---|
| 2025 | $5,036.00 | $148,934 Land $31,200 Building $117,734 | $372,336 Land $78,000 Building $294,336 |
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.
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 27 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 27 in force |
| Nearby Flood Claims | 2 (2024) |
| Most Recent Claim | Aug 2024 · Tropical Storm Debby |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 56% of the US · above 83% of Georgia |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Source: FCC Broadband Data Collection, based on 2 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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