132 Broken Bit Cir, Guyton, GA 31312 Property Records

Effingham County property record for 132 Broken Bit Cir, Guyton, GA 31312

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,944 sqft · built 2012
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on File
Last Sale	$375,000 (Aug 2021)
Tax Bill	$4,681 (2025)
Deeds & Mortgages	Sep 2019 Mortgage Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0416A-251-000`

Property Details

APN / Parcel Number

Primary APN	`0416A-251-000`
Alternative APNs	`0416A251` `13946`

Interior

Full Baths	4 Baths
Stories	2 Stories
Building Area	3,944 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2013
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Gambrel
Roof Material	Fiberglass
Lot Area	9,148 sqft (0.21 acres)
Garage Area	590 sqft
Porch	Patio
Porch Area	133 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	13946
Street Address	132 BROKEN BIT CIR
City	GUYTON
State	GA
Zip	31312-7140
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	.21 AC LOT 251 (OUT 416-20A)
Legal Subdivision	SADDLECLUB @ BELMONT
Legal Lot Number	251
Jurisdiction	EFFINGHAM GA
Township / Civil Division	RINCON
Census Block Group	2
Census Block	2000
Census Tract	30301

Owner

132 Broken Bit Cir is owned and occupied by two individuals who bought it in August 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	132 BROKEN BIT CIR, GUYTON, GA 31312-7140
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
Sep 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK
Aug 19, 2021	Warranty Deed, Transfer · Conventional Mortgage BETTER MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 19, 2021 · Amount on File
Deed Sale	Aug 19, 2021 · Amount on File
Prior Sale	Feb 6, 2015 · Amount on File
Deed Document Number	20212839
Deed Book / Page	2718 / 935
Prior Transfer Date	Mar 4, 2014
Prior Transfer Doc	002238/695
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	132 BROKEN BIT CIR, GUYTON, GA 31312-7140
Transaction Type	Mortgage
Record Updated	Aug 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	132 BROKEN BIT CIR, GUYTON, GA 31312-7140

Mortgage

Document Number	0000002547/0000000818
Date	Sep 27, 2019
Book Page	0000002547/0000000818
Instrument	008113

Lender

Name	FLAGSTAR BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2049

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Aug 19, 2021
Property Address	132 BROKEN BIT CIR, GUYTON, GA 31312-7140
Document Number	002718/935
Book / Page	2718 / 935
Instrument Date	Aug 19, 2021
Instrument	2021-002839
Transaction Type	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	132 BROKEN BIT CIR, GUYTON, GA 31312-7140

Mortgage

Document Number	0000002718/0000000938
Date	Aug 24, 2021
Book Page	0000002718/0000000938
Instrument	010427

Lender

Name	BETTER MORTGAGE

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 132 Broken Bit Cir was $4,681 with a homeowner's exemption, up 9.1% 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		$199,844 (+6.7%) Land $22,800 Building $177,044	$499,610 (+6.7%) Land $57,000 Building $442,610
2025	$4,681.00 (+9.06%) Homeowner's exemption	$187,298 (-1.95%) Land $22,800 Building $164,498	$468,245 (-1.95%) Land $57,000 Building $411,245
2024	$4,292.00 (+22.94%) Homeowner's exemption	$191,028 (+5.32%) Land $22,800 Building $168,228	$477,571 (+5.32%) Land $57,000 Building $420,571
2023	$3,491.00 (-13.52%) Homeowner's exemption	$181,372 (+17.51%) Land $18,800 Building $162,572	$453,429 (+17.51%) Land $47,000 Building $406,429
2022	$4,037.00 Homeowner's exemption	$154,340 Land $18,000 Building $136,340	$385,849 Land $45,000 Building $340,849

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 132 Broken Bit 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 AE, 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 132 Broken Bit Cir is moderate, ranking above 40% 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 40% of the US · lower than 73% of Georgia
Wildfire Likelihood	0.06% 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.

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

Nearby Properties on Broken Bit Cir

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