122 Clover Point Cir, Guyton, GA 31312 Property Records

Effingham County property record for 122 Clover Point Cir, Guyton, GA 31312

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,680 sqft · built 2017
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on Record
Last Sale	$220,300 (Feb 2018)
Tax Bill	$4,538 (2025)
Deeds & Mortgages	Oct 2017 Mortgage Oct 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0416C-187-000`

Property Details

APN / Parcel Number

Primary APN	`0416C-187-000`
Alternative APNs	`00920107000` `0416C187` `28473`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,680 sqft Heated Area
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2018
Exterior Material	Brick Veneer
Roof Type	Gable/Hip
Roof Material	Fiberglass
Lot Area	9,148 sqft (0.21 acres)
Garage Area	370 sqft
Porch	Slab
Porch Area	30 sqft
Deck Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	28473
Street Address	122 CLOVER POINT CIR
City	GUYTON
State	GA
Zip	31312-7134
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	.21 AC LOT 187 PH 2B OUT OF 416-20
Legal Subdivision	CLOVER POINTE AT BELMONT GLEN 2B
Legal Phase	2B
Legal Lot Number	187
Jurisdiction	EFFINGHAM GA
Township / Civil Division	RINCON
Census Block Group	2
Census Block	2005
Census Tract	30301

Owner

Source: Effingham County records, as of December 22, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	122 CLOVER POINT CIR, GUYTON, GA 31312-7134
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2017	Deed of Trust, Mortgage STATE BANK & TRUST CO
Oct 19, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE
Jul 12, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE
Mar 12, 2021	Warranty Deed, Transfer
Feb 23, 2018	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 23, 2018 · Amount on Record
Deed Sale	Feb 23, 2018 · Amount on Record
Prior Sale	Sep 5, 2017 · Amount on Record
Deed Document Number	2018401
Deed Book / Page	2453 / 136
Last Transfer Date	Mar 12, 2021
Transfer Doc	002672/441
Record Updated	Jun 8, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	122 CLOVER POINT CIR, GUYTON, GA 31312-7134
Transaction Type	Mortgage
Record Updated	Jun 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	002432/128
Date	Oct 12, 2017
Book Page	2432/128
Instrument	009127

Lender

Name	STATE BANK & TRUST CO
Type	Bank

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Oct 1, 2018

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	122 CLOVER POINT CIR, GUYTON, GA 31312-7134
Transaction Type	Mortgage
Record Updated	Aug 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	122 CLOVER POINTE CIR

Mortgage

Document Number	0000002631/0000000129
Date	Oct 19, 2020
Book Page	0000002631/0000000129
Instrument	010700

Lender

Name	FREEDOM MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Jan 1, 2048

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	122 CLOVER POINT CIR, GUYTON, GA 31312-7134
Transaction Type	Mortgage
Record Updated	Aug 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	122 CLOVER POINTE CIR

Mortgage

Document Number	0000002706/0000000416
Date	Jul 12, 2021
Book Page	0000002706/0000000416
Instrument	008415

Lender

Name	FREEDOM MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Mar 12, 2021
Property Address	122 CLOVER POINT CIR, GUYTON, GA 31312-7134
Document Number	002672/441
Book / Page	2672 / 441
Instrument Date	Mar 12, 2021
Instrument	2021-000767
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	122 CLOVER POINT CIR, GUYTON, GA 31312-7134

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Feb 23, 2018
Property Address	122 CLOVER POINT CIR, GUYTON, GA 31312-7134
Document Number	002453/136
Book / Page	2453 / 136
Instrument Date	Feb 23, 2018
Instrument	2018-000401
Transaction Type	Transfer
Record Updated	Aug 3, 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	5 VINEYARD HAVEN DR, POOLER, GA 31322-8250

Mortgage

Document Number	002453/139
Date	Mar 1, 2018
Book Page	2453/139
Instrument	001659

Lender

Name	MORTGAGE RESEARCH CENTER
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2048

Tax Assessment & Valuation

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
2025	$4,538.00 (+8.98%)	$134,425 (+0.96%) Land $22,800 Building $111,625	$336,062 (+0.96%) Land $57,000 Building $279,062
2024	$4,164.00 (+25.23%)	$133,142 (+28.49%) Land $22,800 Building $110,342	$332,854 (+28.49%) Land $57,000 Building $275,854
2022	$3,325.00	$103,622 Land $18,000 Building $85,622	$259,055 Land $45,000 Building $214,055

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 A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 40 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	40 in force
Nearby Flood Claims	2 (2002–2009)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Dec 2009 · rainfall accumulation

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	Moderate above 44% of the US · above 42% of Georgia
Wildfire Likelihood	0.06% 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 206 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	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications.

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