Effingham County property record for 130 Watson Mill Rd, Guyton, GA 31312
| Property Type | Residential Vacant Land |
|---|---|
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $460 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Feb 2025 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 00510023A00 |
| Primary APN | 00510023A00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 3,584 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 | 546 sqft |
| Cooling System | Central |
|---|
| Account Number | 33868 |
|---|---|
| Street Address | 130 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 183 (OUT 352-37) PLT 29/977-980 |
| Legal Subdivision | COVERED BRIDGE |
| Legal Phase | 4 |
| Legal Lot Number | 183 |
| Jurisdiction | EFFINGHAM GA |
| Township / Civil Division | RINCON |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 30401 |
Source: Effingham County records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | PO BOX 1628, SPRINGFIELD, GA 31329-1628 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| May 1, 2026 | Deed of Trust, Mortgage · USDA Mortgage PANORAMA MORTGAGE GROUP LLC |
| Feb 4, 2025 | Deed of Trust, Mortgage · Construction Mortgage COLONY BANK |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Recording Date | May 1, 2026 |
| Property Address | 130 WATSON MILL RD, GUYTON, GA 31312-6677 |
| Document Number | 0000003041/0000000240 |
| Book / Page | 3041 / 240 |
| Instrument Date | May 1, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|
| Document Number | 3041000240, |
|---|---|
| Date | May 1, 2026 |
| Book Page | 3041/240 |
| Name | PANORAMA MORTGAGE GROUP LLC |
|---|
| Type | USDA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6.46% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Property Address | 130 WATSON MILL RD, GUYTON, GA 31312-6677 |
| Transaction Type | Mortgage |
| Record Updated | Dec 26, 2025 |
| Name | Verified Name |
|---|---|
| Address | 586 GIBBS RD, EVANS, GA 30809-6304 |
| Document Number | 0000002954/0000000644 |
|---|---|
| Date | Feb 4, 2025 |
| Book Page | 0000002954/0000000644 |
| Instrument | D2025-000785 |
| Name | COLONY BANK |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jan 1, 2026 |
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 | $223,199 (+1,330.76%) Land $44,800 Building $178,399 | $557,998 (+1,330.76%) Land $112,000 Building $445,998 | |
| 2025 | $460.00 | $15,600 Land $15,600 | $39,000 Land $39,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
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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