162 Willow Dr, Guyton, GA 31312 Property Records

Effingham County property record for 162 Willow Dr, Guyton, GA 31312

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,687 sqft · built 2016
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (Mar 2026)
Tax Bill	$3,645 (2025)
Deeds & Mortgages	Jul 2016 Line of Credit Jan 2017 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`0394B-058-000`

Property Details

APN / Parcel Number

Primary APN	`0394B-058-000`
Alternative APNs	`0394B058` `11802`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,687 sqft Heated Area
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2017
Exterior Material	Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Fiberglass
Lot Area	9,148 sqft (0.21 acres)
Garage Area	462 sqft

Exterior Amenities

Porch	Slab
Porch Area	30 sqft
Deck Area	144 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	11802
Street Address	162 WILLOW DR
City	GUYTON
State	GA
Zip	31312-5631
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	.21 AC LOT 58 (OUT 394-7)
Legal Subdivision	TIMBERLAKE
Legal Phase	2
Legal Block	II
Legal Lot Number	58
Jurisdiction	EFFINGHAM GA
Township / Civil Division	RINCON
Census Block Group	4
Census Block	4007
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	2 Individual Names on Record
Mailing Address	162 WILLOW DR, GUYTON, GA 31312-5631
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 25, 2016	Deed of Trust, Mortgage · Line of Credit GEORGIA BANK & TRUST
Jan 24, 2017	Deed of Trust, Mortgage · FHA Mortgage HOMESTAR FINANCIAL
Feb 26, 2021	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER
Mar 2, 2026	Limited Warranty Deed, Transfer NEW AMERICA FUNDING
Jan 24, 2023	Warranty Deed, Transfer · Conventional Mortgage RENASANT BANK
Jan 30, 2020	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER
Jan 30, 2020	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 2, 2026 · Amount on Record
Deed Sale	Mar 2, 2026 · Amount on Record
Prior Sale	Jan 25, 2023 · Amount on Record
Deed Book / Page	3027 / 314
Prior Transfer Date	Apr 28, 2011
Prior Transfer Doc	002031/088
Record Updated	Oct 29, 2026

July 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	162 WILLOW DR, GUYTON, GA 31312-5631
Transaction Type	Mortgage
Record Updated	Jun 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002358/387
Date	Jul 25, 2016
Book Page	2358/387
Instrument	006300

Lender

Name	GEORGIA BANK & TRUST
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Jul 1, 2017

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	162 WILLOW DR, GUYTON, GA 31312-5631
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002386/629
Date	Jan 24, 2017
Book Page	2386/629
Instrument	000553

Lender

Name	HOMESTAR FINANCIAL
Type	Mortgage Company

Agreement

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

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	162 WILLOW DR, GUYTON, GA 31312-5631
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	162 WILLOW DR, GUYTON, GA 31312-5631

Mortgage

Document Number	0000002666/0000000001
Date	Feb 26, 2021
Book Page	0000002666/0000000001
Instrument	002171

Lender

Name	MORTGAGE RESEARCH CENTER

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

March 2026: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Mar 2, 2026
Property Address	162 WILLOW DR, GUYTON, GA 31312-5631
Document Number	003027/314
Book / Page	3027 / 314
Instrument Date	Mar 2, 2026
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Amount	Amount Recorded
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	162 WILLOW DR, GUYTON, GA 31312-5631

Mortgage

Document Number	0003027316
Date	Mar 2, 2026
Instrument	3027/316

Lender

Name	NEW AMERICA FUNDING

Agreement

Amount	Amount Recorded
Term	358 Months
Due	Jan 1, 2056

Mortgage

Document Number	0000003027/0000000627
Date	Mar 3, 2026
Book Page	0000003027/0000000627

Lender

Name	GUILD MORTGAGE

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2056

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Jan 24, 2023
Property Address	162 WILLOW DR, GUYTON, GA 31312-5631
Document Number	002828/469
Book / Page	2828 / 469
Instrument Date	Jan 24, 2023
Instrument	2023-000149
Transaction Type	Transfer
Record Updated	Feb 27, 2023

Transaction

Amount	Amount Recorded
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	162 WILLOW DR, GUYTON, GA 31312-5631

Mortgage

Document Number	0000000600
Date	Jan 24, 2023
Instrument	000600

Lender

Name	RENASANT BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2053

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	162 WILLOW DR, GUYTON, GA 31312-5631
Transaction Type	Mortgage
Record Updated	Aug 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	162 WILLOW DR, GUYTON, GA 31312-5631

Mortgage

Document Number	0000002570/0000000982
Date	Jan 30, 2020
Book Page	0000002570/0000000982
Instrument	000910

Lender

Name	MORTGAGE RESEARCH CENTER

Agreement

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

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Jan 30, 2020
Property Address	162 WILLOW DR, GUYTON, GA 31312-5631
Document Number	002570/980
Book / Page	2570 / 980
Instrument Date	Jan 30, 2020
Instrument	2020-000251
Transaction Type	Transfer
Record Updated	Aug 3, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	162 WILLOW DR, GUYTON, GA 31312-5631

Mortgage

Document Number	0000002570/0000000982
Date	Jan 30, 2020
Book Page	0000002570/0000000982
Instrument	000910

Lender

Name	MORTGAGE RESEARCH CENTER

Agreement

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

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		$128,304 (+7.07%) Land $22,800 Building $105,504	$320,760 (+7.07%) Land $57,000 Building $263,760
2025	$3,645.00 (+4.53%) Homeowner's exemption	$119,832 (+6.56%) Land $22,800 Building $97,032	$299,579 (+6.56%) Land $57,000 Building $242,579
2024	$3,487.00 (+9.72%) Homeowner's exemption	$112,454 (+6.62%) Land $22,800 Building $89,654	$281,136 (+6.62%) Land $57,000 Building $224,136
2023	$3,178.00 (+9.44%)	$105,467 (+18.33%) Land $22,000 Building $83,467	$263,668 (+18.33%) Land $55,000 Building $208,668
2022	$2,904.00	$89,131 Land $17,040 Building $72,091	$222,827 Land $42,600 Building $180,227

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 22 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	22 in force

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	Low lower than 62% of the US · lower than 80% 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 177 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

Cell Coverage

5G (outdoors only) and 4G LTE

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