157 Clover Point Cir, Guyton, GA 31312 Property Records

Effingham County property record for 157 Clover Point Cir, Guyton, GA 31312

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,466 sqft · built 2016
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on File
Last Sale	$330,000 (Apr 2021)
Tax Bill	$4,625 (2025)
Deeds & Mortgages	Dec 2018 Mortgage Apr 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0416C-029-000`

Property Details

APN / Parcel Number

Primary APN	`0416C-029-000`
Alternative APNs	`00920107000` `0416C029` `28490`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,466 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Fiber Cement Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Fiberglass
Lot Area	11,326 sqft (0.26 acres)
Garage Type	Mixed
Garage Area	441 sqft
Porch	Slab
Porch Area	256 sqft
Deck Area	904 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	28490
Street Address	157 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	.26 AC LOT 29 (OUT OF 416-20)
Legal Subdivision	CLOVER POINTE AT BELMONT GLEN 2C
Legal Phase	2C
Legal Lot Number	29
Jurisdiction	EFFINGHAM GA
Township / Civil Division	RINCON
Census Block Group	2
Census Block	2000
Census Tract	30301

Owner

157 Clover Point Cir is owned and occupied by an individual who bought it in April 2021.

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

Owner of Record	Individual Name on File
Mailing Address	157 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
Dec 6, 2018	Deed of Trust, Mortgage · Stand-Alone First Mortgage MORTGAGE RESEARCH CENTER
Apr 14, 2021	Warranty Deed, Transfer · Conventional Mortgage EVERETT FINANCIAL
Nov 22, 2019	Deed of Trust, Mortgage · VA Mortgage NATION STAR MORTGAGE
Dec 3, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 14, 2021 · Amount on File
Deed Sale	Apr 14, 2021 · Amount on File
Prior Sale	Dec 3, 2018 · Amount on File
Deed Document Number	20211320
Deed Book / Page	2685 / 190
Record Updated	Oct 29, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	157 CLOVER POINT CIR, GUYTON, GA 31312-7134
Transaction Type	Mortgage
Record Updated	Jul 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	157 CLOVER POINTE CIR, GA

Mortgage

Document Number	0000002501/0000000383
Date	Dec 6, 2018
Book Page	0000002501/0000000383
Instrument	010635

Lender

Name	MORTGAGE RESEARCH CENTER

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2049

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Apr 14, 2021
Property Address	157 CLOVER POINT CIR, GUYTON, GA 31312-7134
Document Number	2685/190
Book / Page	2685 / 190
Instrument Date	Apr 14, 2021
Instrument	2021-001320
Transaction Type	Transfer
Record Updated	May 25, 2021

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	157 CLOVER POINT CIR, GUYTON, GA 31312-7134

Mortgage

Document Number	0000002685/0000000192
Date	May 3, 2021
Book Page	0000002685/0000000192
Instrument	005208

Lender

Name	EVERETT FINANCIAL

Agreement

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

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	157 CLOVER POINT CIR, GUYTON, GA 31312-7134
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	157 CLOVER POINTE CIR

Mortgage

Document Number	0000002558/0000000484
Date	Nov 22, 2019
Book Page	0000002558/0000000484
Instrument	009918

Lender

Name	NATION STAR MORTGAGE

Agreement

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

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Dec 3, 2018
Property Address	157 CLOVER POINT CIR, GUYTON, GA 31312-7134
Document Number	002501/382
Book / Page	2501 / 382
Instrument Date	Dec 3, 2018
Instrument	2018-003366
Transaction Type	Transfer
Record Updated	Mar 22, 2022

Transaction

Amount	Amount 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	157 CLOVER POINT CIR, GUYTON, GA 31312-7134

Tax Assessment & Valuation

The 2025 property tax bill for 157 Clover Point Cir was $4,625 with a homeowner's exemption, up 11.3% 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		$187,588 (-0.23%) Land $22,800 Building $164,788	$468,970 (-0.23%) Land $57,000 Building $411,970
2025	$4,625.00 (+11.31%) Homeowner's exemption	$188,024 (+5.59%) Land $22,800 Building $165,224	$470,059 (+5.59%) Land $57,000 Building $413,059
2024	$4,155.00 Homeowner's exemption	$178,076 Land $22,800 Building $155,276	$445,190 Land $57,000 Building $388,190
2022	$3,914.00 Homeowner's exemption	$138,841 Land $18,000 Building $120,841	$347,102 Land $45,000 Building $302,102

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 157 Clover Point Cir in Zone X, an area of minimal flood risk, within 500 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 500 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 157 Clover Point Cir is moderate, ranking above 43% 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 43% of the US · lower than 61% 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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