121 Cypress Loop, Bloomingdale, GA 31302 Property Records

Effingham County property record for 121 Cypress Loop, Bloomingdale, GA 31302

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,741 sqft · built 2016
Lot Size	0.419 acres (18,295 sqft)
Owner	Individual Name on Record
Last Sale	$550,000 (Jul 2025)
Tax Bill	$4,890 (2025)
Deeds & Mortgages	Feb 2016 Mortgage Aug 2016 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`0303A-146-000`

Property Details

APN / Parcel Number

Primary APN	`0303A-146-000`
Alternative APNs	`0303A146` `3810`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,741 sqft Heated Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2017
Exterior Material	Fiber Cement Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Fiberglass
Lot Area	18,295 sqft (0.419 acres)
Garage Area	409 sqft
Porch	Open Porch
Porch Area	156 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	3810
Street Address	121 CYPRESS LOOP
City	BLOOMINGDALE
State	GA
Zip	31302-0075
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	.42 AC LOT 146 (OUT 303-15)
Legal Subdivision	CYPRESS LAKES
Legal Phase	3
Legal Block	3
Legal Lot Number	146
Jurisdiction	EFFINGHAM GA
Township / Civil Division	RINCON
Census Block Group	3
Census Block	3029
Census Tract	30401

Owner

Source: Effingham County records, as of December 19, 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 Record
Mailing Address	121 CYPRESS LOOP, BLOOMINGDALE, GA 31302-0075
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 12, 2016	Deed of Trust, Mortgage · Commercial Mortgage AMERIS BANK
Aug 19, 2016	Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE
Jul 25, 2025	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE
Dec 1, 2022	Special Warranty Deed, Transfer · VA Mortgage FOUR CLOVER HOMES
Dec 1, 2022	Special Warranty Deed, Transfer · VA Mortgage FOUR CLOVER HOMES
Sep 10, 2022	Warranty Deed, Transfer
Jun 17, 2020	Warranty Deed, Transfer · VA Mortgage CARDINAL FINANCIAL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 25, 2025 · Amount on Record
Deed Sale	Jul 25, 2025 · Amount on Record
Prior Sale	Jul 25, 2025 · Amount on Record
Deed Document Number	0002986549
Deed Book / Page	2986 / 549
Record Updated	Jun 8, 2026

February 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	121 CYPRESS LOOP, BLOOMINGDALE, GA 31302-0075
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	002331/392
Date	Feb 12, 2016
Book Page	2331/392
Instrument	001013

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Mar 1, 2017

August 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	121 CYPRESS LOOP, BLOOMINGDALE, GA 31302-0075
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002362/467
Date	Aug 19, 2016
Book Page	2362/467
Instrument	007094

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2046

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Jul 25, 2025
Property Address	121 CYPRESS LOOP, BLOOMINGDALE, GA 31302-0075
Document Number	002986/549
Book / Page	2986 / 549
Instrument Date	Jul 25, 2025
Transaction Type	Transfer
Record Updated	Dec 22, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 CYPRESS LOOP, BLOOMINGDALE, GA 31302-0075

Mortgage

Document Number	0002986551
Date	Jul 25, 2025
Instrument	2986/551

Lender

Name	UNITED WHOLESALE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	354 Months
Due	Jan 1, 2055

December 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Dec 1, 2022
Property Address	121 CYPRESS LOOP, BLOOMINGDALE, GA 31302-0075
Document Number	002823/533
Book / Page	2823 / 533
Instrument Date	Dec 1, 2022
Instrument	2022-003591
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	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 CYPRESS LOOP, BLOOMINGDALE, GA 31302-0075

Mortgage

Document Number	0000002823/0000000536
Date	Dec 15, 2022
Book Page	0000002823/0000000536
Instrument	012057

Lender

Name	FOUR CLOVER HOMES

Agreement

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

December 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Dec 1, 2022
Property Address	121 CYPRESS LOOP, BLOOMINGDALE, GA 31302-0075
Document Number	002823/533
Book / Page	2823 / 533
Instrument Date	Dec 1, 2022
Instrument	2022-003591
Transaction Type	Transfer
Record Updated	Apr 2, 2026

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 CYPRESS LOOP, BLOOMINGDALE, GA 31302-0075

Mortgage

Document Number	0000012057
Date	Dec 1, 2022
Instrument	012057

Lender

Name	FOUR CLOVER HOMES

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Sep 10, 2022
Property Address	121 CYPRESS LOOP, BLOOMINGDALE, GA 31302-0075
Document Number	002823/530
Book / Page	2823 / 530
Instrument Date	Sep 10, 2022
Instrument	2022-003686
Transaction Type	Transfer
Record Updated	Dec 30, 2022

Transaction

Amount	Amount Recorded
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	3201 DALLAS PKWY STE 1050, 1050, FRISCO, TX 75034-0259
Investor	Possibly a Property Investor

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Jun 17, 2020
Property Address	121 CYPRESS LOOP, BLOOMINGDALE, GA 31302-0075
Document Number	002600/626
Book / Page	2600 / 626
Instrument Date	Jun 17, 2020
Instrument	2020-001600
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	121 CYPRESS LOOP, BLOOMINGDALE, GA 31302-0075

Mortgage

Document Number	0000002600/0000000627
Date	Jun 22, 2020
Book Page	0000002600/0000000627
Instrument	005891

Lender

Name	CARDINAL FINANCIAL

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

Source: Effingham County assessment roll, as of July 1, 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	$4,890.00 (+8.62%) Homeowner's exemption	$211,538 (-4.42%) Land $22,800 Building $188,738	$528,846 (-4.42%) Land $57,000 Building $471,846
2024	$4,502.00 (+18.1%) Homeowner's exemption	$221,321 (+24.19%) Land $22,800 Building $198,521	$553,303 (+24.19%) Land $57,000 Building $496,303
2023	$3,812.00 (-16.44%)	$178,217 (+25.26%) Land $18,000 Building $160,217	$445,543 (+25.26%) Land $45,000 Building $400,543
2022	$4,562.00	$142,282 Land $18,000 Building $124,282	$355,705 Land $45,000 Building $310,705

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 55 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	55 in force
Nearby Flood Claims	13 (2020–2024)
Most Recent Claim	Aug 2024 · Tropical Storm Debby
Claims by Event	Tropical Storm Debby, Aug 2024 · 12 claims

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	Low lower than 62% of the US · lower than 80% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 70 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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