124 Clover Point Cir, Guyton, GA 31312 Property Records

Effingham County property record for 124 Clover Point Cir, Guyton, GA 31312

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,088 sqft · built 2019
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on File
Last Sale	$270,055 (Jan 2019)
Tax Bill	$3,950 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Jun 2022 Sale + 6 more
Flood Zone	Zone X (minimal risk)
APN	`0416C-186-000`

Property Details

APN / Parcel Number

Primary APN	`0416C-186-000`
Alternative APNs	`00920107000` `0416C186` `28472`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,088 sqft Heated Area
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2020
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,148 sqft (0.21 acres)
Garage Area	364 sqft
Porch	Slab
Porch Area	100 sqft
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	28472
Street Address	124 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 186 (OUT OF 416-20)
Legal Subdivision	CLOVER POINTE AT BELMONT GLEN 2B
Legal Phase	2B
Legal Lot Number	186
Jurisdiction	EFFINGHAM GA
Township / Civil Division	RINCON
Census Block Group	2
Census Block	2005
Census Tract	30301

Owner

Source: Effingham County assessment roll, 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	Individual Name on File
Mailing Address	124 CLOVER POINT CIR, GUYTON, GA 31312-7134
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2022	Deed of Trust, Mortgage · FHA Mortgage VILLAGE CAPITAL
Jun 10, 2022	Warranty Deed, Transfer
May 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage VILLAGE CAPITAL
Sep 6, 2018	Deed of Trust, Mortgage · Conventional Mortgage STATE BANK AND TRUST
Mar 8, 2019	Deed of Trust, Mortgage · FHA Mortgage BROKER SOLUTIONS
Oct 2, 2020	Deed of Trust, Mortgage · FHA Mortgage VILLAGE CAPITAL
Jan 22, 2019	Warranty Deed, Subdivision Related Transfer
Aug 22, 2018	Warranty Deed, Transfer STATE BANK AND TRUST

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 22, 2019 · Amount on Record
Deed Sale	Jan 22, 2019 · Amount on Record
Prior Sale	Aug 22, 2018 · Amount on Record
Deed Document Number	2019194
Deed Book / Page	2513 / 456
Last Transfer Date	Jun 10, 2022
Transfer Doc	002790/691
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	124 CLOVER POINT CIR, GUYTON, GA 31312-7134
Transaction Type	Mortgage
Record Updated	Jul 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 CLOVER POINTE CIR

Mortgage

Document Number	0000002790/0000000695
Date	Jun 17, 2022
Book Page	0000002790/0000000695
Instrument	006117

Lender

Name	VILLAGE CAPITAL

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

Interest

Rate Type	Adjustable Rate
Type Change Date	Oct 1, 2020

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Jun 10, 2022
Property Address	124 CLOVER POINT CIR, GUYTON, GA 31312-7134
Document Number	002790/691
Book / Page	2790 / 691
Instrument Date	Jun 10, 2022
Instrument	2022-001778
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	124 CLOVER POINT CIR, GUYTON, GA 31312-7134

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	124 CLOVER POINT CIR, GUYTON, GA 31312-7134
Transaction Type	Mortgage
Record Updated	Jun 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 CLOVER POINTE CIR

Mortgage

Document Number	0000002693/0000000387
Date	May 28, 2021
Book Page	0000002693/0000000387
Instrument	006503

Lender

Name	VILLAGE CAPITAL

Agreement

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

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	124 CLOVER POINT CIR, GUYTON, GA 31312-7134
Transaction Type	Mortgage
Record Updated	Feb 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 CLOVER POINTE CIR, GA

Mortgage

Document Number	0000002486/0000000995
Date	Sep 6, 2018
Book Page	0000002486/0000000995
Instrument	007900

Lender

Name	STATE BANK AND TRUST

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jan 1, 2019

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	124 CLOVER POINT CIR, GUYTON, GA 31312-7134
Transaction Type	Mortgage
Record Updated	Feb 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 CLOVER POINTE CIR, GA

Mortgage

Document Number	0000002513/0000000459
Date	Mar 8, 2019
Book Page	0000002513/0000000459
Instrument	001801

Lender

Name	BROKER SOLUTIONS

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2049

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	124 CLOVER POINT CIR, GUYTON, GA 31312-7134
Transaction Type	Mortgage
Record Updated	Feb 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 CLOVER POINTE CIR

Mortgage

Document Number	0000002628/0000000161
Date	Oct 2, 2020
Book Page	0000002628/0000000161
Instrument	010194

Lender

Name	VILLAGE CAPITAL

Agreement

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

January 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Jan 22, 2019
Property Address	124 CLOVER POINT CIR, GUYTON, GA 31312-7134
Document Number	002513/456
Book / Page	2513 / 456
Instrument Date	Jan 22, 2019
Instrument	2019-000194
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 22, 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	124 CLOVER POINT CIR, GUYTON, GA 31312-7134

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Aug 22, 2018
Property Address	124 CLOVER POINT CIR, GUYTON, GA 31312-7134
Document Number	002486/992
Book / Page	2486 / 992
Instrument Date	Aug 22, 2018
Instrument	2018-002251
Transaction Type	Transfer
Record Updated	Mar 22, 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	PO BOX 1008, RICHMOND HILL, GA 31324-1008
Investor	Possibly a Property Investor

Mortgage

Document Number	0000002486/0000000995
Date	Sep 6, 2018
Book Page	0000002486/0000000995
Instrument	007900

Lender

Name	STATE BANK AND TRUST

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Jan 1, 2019

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	$3,950.00 (+10.34%) Homeowner's exemption	$153,490 (+2.38%) Land $22,800 Building $130,690	$383,726 (+2.38%) Land $57,000 Building $326,726
2024	$3,580.00 (+6.42%) Homeowner's exemption	$149,916 (+28.3%) Land $22,800 Building $127,116	$374,791 (+28.3%) Land $57,000 Building $317,791
2022	$3,364.00 Homeowner's exemption	$116,852 Land $18,000 Building $98,852	$292,129 Land $45,000 Building $247,129

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 43% of the US · lower than 61% of Georgia
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Cell Coverage

5G (outdoors only) and 4G LTE

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