Effingham County property record for 123 Saddle Ln, Guyton, GA 31312
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,729 sqft · built 1995 |
| Lot Size | 0.98 acres (42,689 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $390,000 (Aug 2026) |
| Tax Bill | $2,651 (2025) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0435B-012-000 |
| Primary APN | 0435B-012-000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,729 sqft Heated Area |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Brick Veneer |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Shed Roof |
| Roof Material | Fiberglass |
| Lot Area | 42,689 sqft (0.98 acres) |
| Garage Type | Mixed |
| Garage Area | 192 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 612 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 110 sqft |
| Deck Area | 224 sqft |
| Patio Area | 224 sqft |
| Canopy | 154 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 16188 |
|---|---|
| Street Address | 123 SADDLE LN |
| City | GUYTON |
| State | GA |
| Zip | 31312-6259 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | .98 AC LOT 12 |
| Legal Subdivision | SADDLEBROOK |
| Legal Lot Number | 12 |
| Jurisdiction | EFFINGHAM GA |
| Township / Civil Division | RINCON |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 30301 |
Source: Effingham County records, as of September 23, 2026
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 | 123 SADDLE LN, GUYTON, GA 31312-6259 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 21, 2026 · Amount on Record |
| Deed Sale | Aug 21, 2026 · Amount on Record |
| Prior Sale | Apr 1, 2014 · Amount on Record |
| Deed Document Number | 20267433 |
| Deed Book / Page | 3064 / 766 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Recording Date | Aug 21, 2026 |
| Property Address | 123 SADDLE LN, GUYTON, GA 31312-6259 |
| Document Number | 0000007433 |
| Book / Page | 3064 / 766 |
| Instrument Date | Aug 20, 2026 |
| Instrument | 20267433 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 123 SADDLE LN, GUYTON, GA 31312-6259 |
| Document Number | 3064000767, |
|---|---|
| Date | Aug 21, 2026 |
| Book Page | 3064/767 |
| Name | BANK OF AMERICA |
|---|
| Type | SBA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 1, 2046 |
| Max Rate | -1% |
|---|
Source: Effingham County assessment roll, as of December 22, 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 |
|---|---|---|---|
| 2026 | $120,021 (-5.79%) Land $22,800 Building $97,221 | $300,054 (-5.79%) Land $57,000 Building $243,054 | |
| 2025 | $2,651.00 (+8.83%) Homeowner's exemption | $127,402 (-4.25%) Land $22,800 Building $104,602 | $318,504 (-4.25%) Land $57,000 Building $261,504 |
| 2024 | $2,436.00 (+4.95%) Homeowner's exemption | $133,061 (+32.07%) Land $22,800 Building $110,261 | $332,653 (+32.07%) Land $57,000 Building $275,653 |
| 2022 | $2,321.00 Homeowner's exemption | $100,753 Land $18,800 Building $81,953 | $251,882 Land $47,000 Building $204,882 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · lower than 73% 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) |
|---|---|
| Planters Rural Telephone Cooperative Fiber | 8,000 / 8,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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