131 Clover Point Cir, Guyton, GA 31312 Property Records

Effingham County property record for 131 Clover Point Cir, Guyton, GA 31312

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,975 sqft · built 2017
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on File
Last Sale	$308,017 (Nov 2017)
Tax Bill	$6,643 (2025)
Deeds & Mortgages	May 2017 Mortgage Jan 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0416C-016-000`

Property Details

APN / Parcel Number

Primary APN	`0416C-016-000`
Alternative APNs	`00920107000` `0416C016` `28465`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,975 sqft Heated Area
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2018
Exterior Material	Stone
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Fiberglass
Lot Area	9,148 sqft (0.21 acres)
Garage Area	655 sqft
Porch	Slab
Porch Area	308 sqft
Deck Area	674 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	28465
Street Address	131 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 16 OUT OF 416-20
Legal Subdivision	CLOVER POINTE AT BELMONT GLEN 2B
Legal Phase	2B
Legal Lot Number	16
Jurisdiction	EFFINGHAM GA
Township / Civil Division	RINCON
Census Block Group	2
Census Block	2000
Census Tract	30301

Owner

131 Clover Point Cir is owned and occupied by two individuals who acquired it in November 2017.

Source: Effingham County records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	131 CLOVER POINT CIR, GUYTON, GA 31312-7134
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
May 25, 2017	Deed of Trust, Mortgage STATE BANK & TRUST CO
Jan 10, 2024	Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK
Dec 15, 2021	Deed of Trust, Mortgage · Commercial Mortgage UNITED COMMUNITY BANK
Nov 30, 2017	Warranty Deed, Transfer
Nov 29, 2017	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage CERTAINTY HOME LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 29, 2017 · Amount on File
Deed Sale	Nov 29, 2017 · Amount on File
Prior Sale	May 19, 2017 · Amount on File
Deed Document Number	20173271
Deed Book / Page	2439 / 874
Last Transfer Date	Nov 30, 2017
Transfer Doc	002440/546
Record Updated	Oct 29, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	131 CLOVER POINT CIR, GUYTON, GA 31312-7134
Transaction Type	Mortgage
Record Updated	Jun 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00002408/5
Date	May 25, 2017
Book Page	2408/5
Instrument	004757

Lender

Name	STATE BANK & TRUST CO
Type	Bank

Agreement

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

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	131 CLOVER POINT CIR, GUYTON, GA 31312-7134
Transaction Type	Mortgage
Record Updated	Feb 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	131 CLOVER POINT CIR, GUYTON, GA 31312-7134

Mortgage

Document Number	0000002889/0000000319
Date	Jan 10, 2024
Book Page	0000002889/0000000319
Instrument	D2024000188

Lender

Name	UNITED COMMUNITY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	288 Months
Due	Jan 1, 2048

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	131 CLOVER POINT CIR, GUYTON, GA 31312-7134
Transaction Type	Mortgage
Record Updated	Aug 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	131 CLOVER POINTE CIR

Mortgage

Document Number	0000002750/0000000621
Date	Dec 15, 2021
Book Page	0000002750/0000000621
Instrument	015144

Lender

Name	UNITED COMMUNITY BANK

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	300 Months
Due	Jan 1, 2046

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Nov 30, 2017
Property Address	131 CLOVER POINT CIR, GUYTON, GA 31312-7134
Document Number	002440/546
Book / Page	2440 / 546
Instrument Date	Nov 30, 2017
Instrument	2017-003310
Transaction Type	Transfer
Record Updated	Nov 19, 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	131 CLOVER POINT CIR, GUYTON, GA 31312-7134

November 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Nov 29, 2017
Property Address	131 CLOVER POINT CIR, GUYTON, GA 31312-7134
Document Number	002439/874
Book / Page	2439 / 874
Instrument Date	Nov 29, 2017
Instrument	2017-003271
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 3, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment 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	131 CLOVER POINT CIR, GUYTON, GA 31312-7134

Mortgage

Document Number	002439/875
Date	Nov 30, 2017
Book Page	2439/875
Instrument	010627

Lender

Name	CERTAINTY HOME LOANS
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 131 Clover Point Cir was $6,643, up 8.5% 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		$199,606 (-1.93%) Land $22,800 Building $176,806	$499,016 (-1.93%) Land $57,000 Building $442,016
2025	$6,643.00 (+8.46%)	$203,541 (+0.34%) Land $22,800 Building $180,741	$508,853 (+0.34%) Land $57,000 Building $451,853
2024	$6,125.00	$202,844 Land $22,800 Building $180,044	$507,110 Land $57,000 Building $450,110
2022	$4,012.00 Homeowner's exemption	$158,233 Land $18,000 Building $140,233	$395,582 Land $45,000 Building $350,582

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 131 Clover Point Cir in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 131 Clover Point Cir is moderate, ranking above 44% of the US, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 44% of the US · above 42% of Georgia
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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.

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