148 Clover Point Cir, Guyton, GA 31312 Property Records

Effingham County property record for 148 Clover Point Cir, Guyton, GA 31312

Property Summary

Property Type	Single Family Home
Details	4 ba · 4,021 sqft · built 2011
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$306,999 (Oct 2019)
Tax Bill	$4,695 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0416C-174-000`

Property Details

APN / Parcel Number

Primary APN	`0416C-174-000`
Alternative APNs	`00920107000` `0416C174` `27516`

Interior

Full Baths	4 Baths
Stories	2 Stories
Building Area	4,021 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2012
Exterior Material	Wood
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Fiberglass
Lot Area	9,583 sqft (0.22 acres)
Garage Area	656 sqft
Porch	Patio
Porch Area	24 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	27516
Street Address	148 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	.22 AC LOT 174 (OUT 416-20)
Legal Subdivision	CLOVER POINT AT BELMONT GLEN
Legal Phase	1A
Legal Lot Number	174
Jurisdiction	EFFINGHAM GA
Township / Civil Division	RINCON
Census Block Group	2
Census Block	2005
Census Tract	30301

Owner

148 Clover Point Cir is owned and occupied by an individual who bought it in October 2019.

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

Owner of Record	Individual Name on File
Mailing Address	148 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
Oct 19, 2020	Deed of Trust, Mortgage · FHA Mortgage BROKER SOLUTIONS
Oct 1, 2019	Warranty Deed, Transfer · FHA Mortgage BROKER SOLUTIONS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2019 · Amount on File
Deed Sale	Oct 1, 2019 · Amount on File
Prior Sale	Nov 16, 2011 · Amount on File
Deed Document Number	20192651
Deed Book / Page	2549 / 78
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	148 CLOVER POINT CIR, GUYTON, GA 31312-7134
Transaction Type	Mortgage
Record Updated	Aug 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	148 CLOVER POINTE CIR

Mortgage

Document Number	0000002631/0000000401
Date	Oct 19, 2020
Book Page	0000002631/0000000401
Instrument	010756

Lender

Name	BROKER SOLUTIONS

Agreement

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

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Oct 1, 2019
Property Address	148 CLOVER POINT CIR, GUYTON, GA 31312-7134
Document Number	0002549/78
Book / Page	2549 / 78
Instrument Date	Oct 1, 2019
Instrument	2019-002651
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	114 ROCKING HORSE LN, POOLER, GA 31322-4914

Mortgage

Document Number	0000002549/0000000079
Date	Oct 3, 2019
Book Page	0000002549/0000000079
Instrument	008309

Lender

Name	BROKER SOLUTIONS

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 148 Clover Point Cir was $4,695 with a homeowner's exemption, up 8.6% 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		$183,261 (-2.23%) Land $22,800 Building $160,461	$458,153 (-2.23%) Land $57,000 Building $401,153
2025	$4,695.00 (+8.61%) Homeowner's exemption	$187,434 (-2.44%) Land $22,800 Building $164,634	$468,586 (-2.44%) Land $57,000 Building $411,586
2024	$4,323.00 Homeowner's exemption	$192,117 Land $22,800 Building $169,317	$480,292 Land $57,000 Building $423,292
2022	$4,062.00 Homeowner's exemption	$134,173 Land $18,000 Building $116,173	$335,432 Land $45,000 Building $290,432

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 148 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 148 Clover Point 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

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