161 Clover Point Cir, Guyton, GA 31312 Property Records

Effingham County property record for 161 Clover Point Cir, Guyton, GA 31312

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,136 sqft · built 2017
Lot Size	0.33 acres (14,375 sqft)
Owner	Individual Name on Record
Last Sale	$400,000 (Dec 2023)
Tax Bill	$5,256 (2025)
Deeds & Mortgages	Oct 2017 Mortgage Dec 2023 Sale & Mortgage + 3 more
Flood Zone	Zone A (high risk)
APN	`0416C-081-000`

Property Details

APN / Parcel Number

Primary APN	`0416C-081-000`
Alternative APNs	`00920107000` `0416C081` `28515`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	3,136 sqft Heated Area
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2018
Exterior Material	Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Fiberglass
Lot Area	14,375 sqft (0.33 acres)
Garage Area	714 sqft

Exterior Amenities

Porch	Slab
Porch Area	36 sqft
Deck Area	180 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	28515
Street Address	161 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	.33 AC LOT 81 (OUT 416-20)
Legal Subdivision	CLOVER POINTE AT BELMONT GLEN 2C
Legal Phase	2C
Legal Lot Number	81
Jurisdiction	EFFINGHAM GA
Township / Civil Division	RINCON
Census Block Group	2
Census Block	2000
Census Tract	30301

Owner

Source: Effingham County records, as of September 23, 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	161 CLOVER POINT CIR, GUYTON, GA 31312-7134
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2017	Deed of Trust, Mortgage STATE BANK & TRUST CO
Dec 19, 2023	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE
Jan 10, 2018	Deed of Trust, Mortgage · FHA Mortgage CERTAINTY HOME LOANS
Oct 26, 2020	Deed of Trust, Mortgage · FHA Mortgage MIMUTUAL MORTGAGE
Nov 30, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 19, 2023 · Amount on Record
Deed Sale	Dec 19, 2023 · Amount on Record
Prior Sale	Nov 30, 2017 · Amount on Record
Deed Document Number	202310210
Deed Book / Page	2886 / 951
Record Updated	Oct 29, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	161 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	00002432/4
Date	Oct 12, 2017
Book Page	2432/4
Instrument	009116

Lender

Name	STATE BANK & TRUST CO
Type	Bank

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Oct 1, 2018

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Dec 19, 2023
Property Address	161 CLOVER POINT CIR, GUYTON, GA 31312-7134
Document Number	002886/951
Book / Page	2886 / 951
Instrument Date	Dec 14, 2023
Instrument	D2023010210
Transaction Type	Transfer
Record Updated	Jan 8, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	161 CLOVER POINTE CIR, GA

Mortgage

Document Number	0000002886/0000000953
Date	Dec 19, 2023
Book Page	0000002886/0000000953

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2054

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	161 CLOVER POINT CIR, GUYTON, GA 31312-7134
Transaction Type	Mortgage
Record Updated	Aug 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002446/387
Date	Jan 10, 2018
Book Page	2446/387
Instrument	000190

Lender

Name	CERTAINTY HOME LOANS
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2047

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	161 CLOVER POINT CIR, GUYTON, GA 31312-7134
Transaction Type	Mortgage
Record Updated	Aug 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	161 CLOVER POINTE CIR

Mortgage

Document Number	0000002632/0000000975
Date	Oct 26, 2020
Book Page	0000002632/0000000975
Instrument	011036

Lender

Name	MIMUTUAL MORTGAGE

Agreement

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

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Nov 30, 2017
Property Address	161 CLOVER POINT CIR, GUYTON, GA 31312-7134
Document Number	002446/384
Book / Page	2446 / 384
Instrument Date	Nov 30, 2017
Instrument	2017-003374
Transaction Type	Transfer
Record Updated	Aug 3, 2022

Transaction

Amount	Amount Recorded
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	161 CLOVER POINT CIR, GUYTON, GA 31312-7134

Tax Assessment & Valuation

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		$169,014 (+2.66%) Land $22,800 Building $146,214	$422,535 (+2.66%) Land $57,000 Building $365,535
2025	$5,256.00 (+8.57%) Homeowner's exemption	$164,641 (-1.46%) Land $22,800 Building $141,841	$411,602 (-1.46%) Land $57,000 Building $354,602
2024	$4,841.00 (+12.14%) Homeowner's exemption	$167,076 (+20.65%) Land $22,800 Building $144,276	$417,689 (+20.65%) Land $57,000 Building $360,689
2022	$4,317.00	$138,478 Land $18,000 Building $120,478	$346,194 Land $45,000 Building $301,194

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

Source: FEMA National Flood Hazard Layer, effective October 1, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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

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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