123 Thoroughbred Dr, Guyton, GA 31312 Property Records

Effingham County property record for 123 Thoroughbred Dr, Guyton, GA 31312

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,901 sqft · built 2017
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on File
Last Sale	$290,000 (Nov 2022)
Tax Bill	$3,924 (2025)
Deeds & Mortgages	Mar 2017 Mortgage Nov 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0376D-180-000`

Property Details

APN / Parcel Number

Primary APN	`0376D-180-000`
Alternative APNs	`0376D180` `10442`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,901 sqft Heated Area
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2018
Exterior Material	Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.19 acres)
Garage Area	440 sqft
Porch	Slab
Porch Area	198 sqft
Deck Area	150 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	10442
Street Address	123 THOROUGHBRED DR
City	GUYTON
State	GA
Zip	31312-5764
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	.19 AC LOT 180 (OUT 376-15)
Legal Subdivision	SOUTH BEND
Legal Phase	3
Legal Block	3
Legal Lot Number	180
Jurisdiction	EFFINGHAM GA
Township / Civil Division	RINCON
Census Block Group	2
Census Block	2018
Census Tract	30403

Owner

123 Thoroughbred Dr is owned and occupied by two individuals who bought it in November 2022.

Source: Effingham County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	123 THOROUGHBRED DR, GUYTON, GA 31312-5764
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 6, 2017	Deed of Trust, Mortgage STATE BANK & TRUST CO
Nov 4, 2022	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER
May 4, 2017	Deed of Trust, Mortgage · Conventional Mortgage BANKSOUTH MORTGAGE
Feb 6, 2017	Warranty Deed, Construction Loan

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 2022 · Amount on File
Deed Sale	Nov 4, 2022 · Amount on File
Prior Sale	Apr 28, 2017 · Amount on File
Deed Document Number	20223307
Deed Book / Page	2817 / 778
Record Updated	Oct 29, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	123 THOROUGHBRED DR, GUYTON, GA 31312-5764
Transaction Type	Mortgage
Record Updated	Jun 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002393/46
Date	Mar 6, 2017
Book Page	2393/46
Instrument	001805

Lender

Name	STATE BANK & TRUST CO
Type	Bank

Agreement

Amount	Amount on Record
Term	12 Months
Due	Mar 1, 2018

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Nov 4, 2022
Property Address	123 THOROUGHBRED DR, GUYTON, GA 31312-5764
Document Number	002817/778
Book / Page	2817 / 778
Instrument Date	Nov 4, 2022
Instrument	2022-003307
Transaction Type	Transfer
Record Updated	Nov 25, 2022

Transaction

Amount	Amount 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	123 THOROUGHBRED DR, GUYTON, GA 31312-5764

Mortgage

Document Number	0000010956
Date	Nov 4, 2022
Instrument	010956

Lender

Name	MORTGAGE RESEARCH CENTER

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	350 Months
Due	Jan 1, 2052

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	123 THOROUGHBRED DR, GUYTON, GA 31312-5764
Transaction Type	Mortgage
Record Updated	Aug 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002403/220
Date	May 4, 2017
Book Page	2403/220
Instrument	003704

Lender

Name	BANKSOUTH MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2047

February 2017: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Feb 6, 2017
Property Address	123 THOROUGHBRED DR, GUYTON, GA 31312-5764
Document Number	0002393/44
Book / Page	2393 / 44
Instrument Date	Feb 6, 2017
Instrument	2017-000416
Transaction Type	Construction Loan
Record Updated	Aug 3, 2022

Transaction

Amount	Amount 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	924 STEVENS CREEK RD, AUGUSTA, GA 30907-4899

Tax Assessment & Valuation

The 2025 property tax bill for 123 Thoroughbred Dr was $3,924, up 2.5% from the year before.

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
2026		$119,181 (+3.66%) Land $22,800 Building $96,381	$297,953 (+3.66%) Land $57,000 Building $240,953
2025	$3,924.00 (+2.53%)	$114,974 (-5.58%) Land $22,800 Building $92,174	$287,436 (-5.58%) Land $57,000 Building $230,436
2024	$3,827.00 (+10.61%)	$121,768 (+3.87%) Land $22,800 Building $98,968	$304,421 (+3.87%) Land $57,000 Building $247,421
2023	$3,460.00 (+46.05%) Homeowner's exemption	$117,234 (+17.63%) Land $17,600 Building $99,634	$293,084 (+17.63%) Land $44,000 Building $249,084
2022	$2,369.00 Homeowner's exemption	$99,667 Land $16,000 Building $83,667	$249,167 Land $40,000 Building $209,167

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

FEMA maps place 123 Thoroughbred Dr in Zone X, an area of minimal flood risk.

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 File median of 49 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	49 in force

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

Wildfire risk around 123 Thoroughbred Dr is low, with a 0.05% annual chance of 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 82% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	EFFINGHAM COUNTY SURFACE WATER SYSTEM serves 12,293 people · EPA ID GA1030131
Water Source	Purchased surface water from SAVANNAH-I & D
Last State Inspection	Apr 2025
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 189 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: AT&T, ClearWave, Hotwire Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Thoroughbred Dr

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