164 Willow Dr, Guyton, GA 31312 Property Records

Effingham County property record for 164 Willow Dr, Guyton, GA 31312

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,540 sqft · built 2016
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on Record
Last Sale	$307,000 (Jun 2025)
Tax Bill	$4,397 (2025)
Deeds & Mortgages	May 2016 Line of Credit Jun 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0394B-059-000`

Property Details

APN / Parcel Number

Primary APN	`0394B-059-000`
Alternative APNs	`0394B059` `11803`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,540 sqft Heated Area
Flooring	Hardwood
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	Composition Shingle
Lot Area	9,148 sqft (0.21 acres)
Garage Area	420 sqft

Exterior Amenities

Porch	Slab
Porch Area	25 sqft
Deck Area	144 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	11803
Street Address	164 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 59 (OUT 394-7)
Legal Subdivision	TIMBERLAKE
Legal Phase	2
Legal Block	II
Legal Lot Number	59
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	Individual Name on Record
Mailing Address	164 WILLOW DR, GUYTON, GA 31312-5631
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 13, 2016	Deed of Trust, Mortgage · Line of Credit GEORGIA BANK & TRUST
Jun 23, 2025	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE
Aug 8, 2023	Deed of Trust, Mortgage · FHA Mortgage GUILD MORTGAGE
Aug 8, 2023	Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 23, 2025 · Amount on Record
Deed Sale	Jun 23, 2025 · Amount on Record
Prior Sale	Aug 8, 2023 · Amount on Record
Deed Book / Page	2979 / 674
Prior Transfer Date	Apr 28, 2011
Prior Transfer Doc	002031/088
Record Updated	Oct 29, 2026

May 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	164 WILLOW DR, GUYTON, GA 31312-5631
Transaction Type	Mortgage
Record Updated	Jun 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002346/725
Date	May 13, 2016
Book Page	2346/725
Instrument	004091

Lender

Name	GEORGIA BANK & TRUST
Type	Bank

Agreement

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

June 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Jun 23, 2025
Property Address	164 WILLOW DR, GUYTON, GA 31312-5631
Document Number	002979/674
Book / Page	2979 / 674
Instrument Date	Jun 20, 2025
Transaction Type	Transfer
Record Updated	Dec 22, 2025

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	164 WILLOW DR, GUYTON, GA 31312-5631

Mortgage

Document Number	D2025004813
Date	Jun 23, 2025
Instrument	D2025004813

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	355 Months
Due	Jan 1, 2055

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	164 WILLOW DR, GUYTON, GA 31312-5631
Transaction Type	Mortgage
Record Updated	Mar 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	164 WILLOW DR, GUYTON, GA 31312-5631

Mortgage

Document Number	0000002864/0000000710
Date	Aug 8, 2023
Book Page	0000002864/0000000710
Instrument	D2023006625

Lender

Name	GUILD MORTGAGE

Agreement

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

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Aug 8, 2023
Property Address	164 WILLOW DR, GUYTON, GA 31312-5631
Document Number	002864/708
Book / Page	2864 / 708
Instrument Date	Jun 30, 2023
Transaction Type	Transfer
Record Updated	Jul 23, 2024

Transaction

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

Mortgage

Document Number	D2023006625
Date	Aug 8, 2023
Instrument	D2023006625

Lender

Name	GUILD MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Jan 1, 2053

Mortgage

Document Number	0000002865/0000000042
Date	Aug 9, 2023
Book Page	0000002865/0000000042
Instrument	2023006683

Lender

Name	GUILD MORTGAGE

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

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		$127,401 (-3.19%) Land $22,800 Building $104,601	$318,502 (-3.19%) Land $57,000 Building $261,502
2025	$4,397.00 (+19.16%) Homeowner's exemption	$131,600 (+8.09%) Land $22,800 Building $108,800	$328,999 (+8.09%) Land $57,000 Building $271,999
2024	$3,690.00 (+22.67%)	$121,749 (+22.8%) Land $22,800 Building $98,949	$304,373 (+22.8%) Land $57,000 Building $247,373
2023	$3,008.00 (+9.42%)	$99,147 (+18.44%) Land $22,000 Building $77,147	$247,868 (+18.44%) Land $55,000 Building $192,868
2022	$2,749.00	$83,714 Land $17,040 Building $66,674	$209,284 Land $42,600 Building $166,684

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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