Effingham County property record for 138 Watson Mill Rd, Guyton, GA 31312
| Property Type | Residential Vacant Land |
|---|---|
| Lot Size | 0.49 acres (21,344 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $592,000 (Sep 2025) |
| Tax Bill | $460 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Feb 2025 Line of Credit + 1 more |
| APN | 00510023A00 |
| Primary APN | 00510023A00 |
|---|---|
| Alternative APNs |
|
| Lot Area | 21,344 sqft (0.49 acres) |
|---|
| Account Number | 33872 |
|---|---|
| Street Address | 138 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 | .4922 AC LOT 187 (OUT 352-37) PLT 29/977-980 |
| Legal Subdivision | COVERED BRIDGE |
| Legal Phase | 4 |
| Legal Lot Number | 187 |
| Jurisdiction | EFFINGHAM GA |
| Township / Civil Division | RINCON |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 30401 |
Source: Effingham County records, as of August 10, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 138 WATSON MILL RD, GUYTON, GA 31312-6677 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 8, 2026 | Deed of Trust, Mortgage · Conventional Mortgage UNION HOME MORTGAGE |
| Feb 4, 2025 | Deed of Trust, Mortgage · Line of Credit COLONY BANK |
| Sep 15, 2025 | Warranty Deed, Subdivision Related Transfer UNION HOME MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 15, 2025 · Amount on Record |
| Deed Sale | Sep 15, 2025 · Amount on Record |
| Deed Book / Page | 2995 / 369 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Recording Date | Jul 8, 2026 |
| Property Address | 138 WATSON MILL RD, GUYTON, GA 31312-6677 |
| Document Number | 0000006006 |
| Book / Page | 3055 / 925 |
| Instrument Date | Jul 2, 2026 |
| Instrument | 20266006 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2026 |
| Name | Verified Name |
|---|---|
| Address | 138 WATSON MILL RD, GUYTON, GA 31312-6677 |
| Document Number | 0000006006, |
|---|---|
| Date | Jul 8, 2026 |
| Book Page | 3055/925 |
| Instrument | 20266006 |
| Name | UNION HOME MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate | 6.48% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Property Address | 138 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 | 0000002954/0000000561 |
|---|---|
| Date | Feb 4, 2025 |
| Book Page | 0000002954/0000000561 |
| Name | COLONY BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jan 1, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Recording Date | Sep 15, 2025 |
| Property Address | 138 WATSON MILL RD, GUYTON, GA 31312-6677 |
| Document Number | 002995/369 |
| Book / Page | 2995 / 369 |
| Instrument Date | Sep 12, 2025 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 26, 2025 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 138 WATSON MILL RD, GUYTON, GA 31312-6677 |
| Document Number | 0002995371 |
|---|---|
| Date | Sep 15, 2025 |
| Instrument | 2995/371 |
| Name | UNION HOME MORTGAGE |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 352 Months |
| Due | Jan 1, 2055 |
Source: Effingham County assessment roll, as of December 22, 2025
| Type | Name |
|---|---|
| State | Georgia |
| County | Effingham County |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 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.
Source: OpenFEMA NFIP redacted claims and policies, as of September 2026
| 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.
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