Effingham County property record for 123 Watson Mill Rd, Guyton, GA 31312
| Property Type | Residential Vacant Land |
|---|---|
| Details | 4 bd · 3.5 ba · 3,563 sqft · built 2024 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $525,000 (Jan 2026) |
| Tax Bill | $460 (2025) |
| Deeds & Mortgages | Feb 2025 Construction Loan Jan 2026 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 00510023A00 |
| Primary APN | 00510023A00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 3,563 sqft Living Area |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2025 |
| Exterior Material | Composition/Composite |
| Roof Material | Fiberglass |
| Lot Area | 14,810 sqft (0.34 acres) |
| Garage Area | 525 sqft |
| Cooling System | Central |
|---|
| Account Number | 33886 |
|---|---|
| Street Address | 123 WATSON MILL RD |
| City | GUYTON |
| State | GA |
| Zip | 31312-6677 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Local Zoning Code | R-1 |
| Legal Description | .3444 AC LOT 206 (OUT 352-37) PLT 29/977-980 |
| Legal Subdivision | COVERED BRIDGE PHS IV |
| Legal Phase | 4 |
| Legal Lot Number | 206 |
| Jurisdiction | EFFINGHAM GA |
| Township / Civil Division | RINCON |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 30401 |
123 Watson Mill Rd, residential vacant land, is owned and occupied by two individuals who acquired it in January 2026.
Source: Effingham County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 123 WATSON MILL RD, GUYTON, GA 31312-6677 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 4, 2025 | Deed of Trust, Mortgage · Construction Mortgage COLONY BANK |
| Jan 20, 2026 | Quit Claim Deed, Transfer Quitclaim |
| Jan 12, 2026 | Warranty Deed, Subdivision Related Transfer · FHA Mortgage UNITED WHOLESALE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 12, 2026 · Amount on File |
| Deed Sale | Jan 12, 2026 · Amount on File |
| Deed Book / Page | 3018 / 367 |
| Last Transfer Date | Jan 20, 2026 |
| Transfer Doc | 003019/845 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Property Address | 123 WATSON MILL RD, GUYTON, GA 31312-6677 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2026 |
| Name | Verified Name |
|---|---|
| Address | 586 GIBBS RD, EVANS, GA 30809-6304 |
| Document Number | 0000002954/0000000392 |
|---|---|
| Date | Feb 4, 2025 |
| Book Page | 0000002954/0000000392 |
| Instrument | D2025-000747 |
| Name | COLONY BANK |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Jan 1, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Recording Date | Jan 20, 2026 |
| Property Address | 123 WATSON MILL RD, GUYTON, GA 31312-6677 |
| Document Number | 003019/845 |
| Book / Page | 3019 / 845 |
| Instrument Date | Jan 20, 2026 |
| Transaction Type | Transfer |
| Record Updated | Mar 30, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 123 WATSON MILL RD, GUYTON, GA 31312-6677 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Recording Date | Jan 12, 2026 |
| Property Address | 123 WATSON MILL RD, GUYTON, GA 31312-6677 |
| Document Number | 003018/367 |
| Book / Page | 3018 / 367 |
| Instrument Date | Jan 1, 2026 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 9, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 123 WATSON MILL RD, GUYTON, GA 31312-6677 |
| Document Number | 0003018369 |
|---|---|
| Date | Jan 12, 2026 |
| Instrument | 3018/369 |
| Name | UNITED WHOLESALE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2056 |
The 2025 property tax bill for 123 Watson Mill Rd was $460.
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 | $224,308 (+1,337.87%) Land $44,800 Building $179,508 | $560,770 (+1,337.87%) Land $112,000 Building $448,770 | |
| 2025 | $460.00 | $15,600 Land $15,600 | $39,000 Land $39,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 123 Watson Mill Rd in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1994.
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 44 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 44 in force |
| Nearby Flood Claims | 6 (1994–2024) |
| Claims Outside the SFHA | 1 of 6 |
| 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.
Wildfire risk around 123 Watson Mill Rd is moderate, ranking above 56% of the US, with a 0.1% annual chance of wildfire.
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 |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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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