172 Willow Dr, Guyton, GA 31312 Property Records

Effingham County property record for 172 Willow Dr, Guyton, GA 31312

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,570 sqft · built 2017
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on File
Last Sale	$163,800 (May 2018)
Tax Bill	$4,006 (2025)
Deeds & Mortgages	May 2026 Second Mortgage Nov 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0394B-067-000`

Property Details

APN / Parcel Number

Primary APN	`0394B-067-000`
Alternative APNs	`0394B067` `11810`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,570 sqft Heated Area
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2018
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,148 sqft (0.21 acres)
Garage Area	361 sqft

Exterior Amenities

Porch	Slab
Porch Area	25 sqft
Deck Area	120 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	11810
Street Address	172 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 67 OUT 394-7
Legal Subdivision	TIMBERLAKE
Legal Phase	2
Legal Block	II
Legal Lot Number	67
Jurisdiction	EFFINGHAM GA
Township / Civil Division	RINCON
Census Block Group	4
Census Block	4007
Census Tract	30301

Owner

Source: Effingham County assessment roll, as of December 22, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	172 WILLOW DR, GUYTON, GA 31312-5631
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 12, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage US DEPARTMENT OF HOUSING AND URBAN DEVEL
Nov 7, 2017	Deed of Trust, Mortgage SOUTH STATE BANK
May 25, 2018	Warranty Deed, Subdivision Related Transfer · FHA Mortgage STEARNS LENDING

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 25, 2018 · Amount on Record
Deed Sale	May 25, 2018 · Amount on Record
Prior Sale	Mar 29, 2016 · Amount on Record
Deed Document Number	20181260
Deed Book / Page	2470 / 600
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Recording Date	May 12, 2026
Property Address	172 WILLOW DR, GUYTON, GA 31312-5631
Document Number	0000004113
Book / Page	3043 / 222
Instrument Date	Mar 26, 2026
Instrument	20264113
Transaction Type	Mortgage
Record Updated	Jul 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	172 WILLOW DR, GUYTON, GA 31312-5631

Mortgage

Document Number	0000004113,
Date	May 12, 2026
Book Page	3043/222
Instrument	20264113

Lender

Name	US DEPARTMENT OF HOUSING AND URBAN DEVEL

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Mar 1, 2066

Interest

Rate	5.98%
Max Rate	-1%

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	172 WILLOW DR, GUYTON, GA 31312-5631
Transaction Type	Mortgage
Record Updated	Aug 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002436/382
Date	Nov 7, 2017
Book Page	2436/382
Instrument	009983

Lender

Name	SOUTH STATE BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Sep 1, 2018

May 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	May 25, 2018
Property Address	172 WILLOW DR, GUYTON, GA 31312-5631
Document Number	002470/600
Book / Page	2470 / 600
Instrument Date	May 25, 2018
Instrument	2018-001260
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 3, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	172 WILLOW DR, GUYTON, GA 31312-5631

Mortgage

Document Number	002470/603
Date	Jun 6, 2018
Book Page	2470/603
Instrument	004859

Lender

Name	STEARNS LENDING
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2048

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
2025	$4,006.00 (+14.75%)	$118,294 (+7.59%) Land $22,800 Building $95,494	$295,735 (+7.59%) Land $57,000 Building $238,735
2024	$3,491.00 (+15.86%)	$109,945 (+10.74%) Land $22,800 Building $87,145	$274,863 (+10.74%) Land $57,000 Building $217,863
2023	$3,013.00 (+9.44%)	$99,280 (+18.43%) Land $22,000 Building $77,280	$248,200 (+18.43%) Land $55,000 Building $193,200
2022	$2,753.00	$83,828 Land $17,040 Building $66,788	$209,569 Land $42,600 Building $166,969

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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

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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