175 Willow Dr, Guyton, GA 31312 Property Records

Effingham County property record for 175 Willow Dr, Guyton, GA 31312

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,656 sqft · built 2017
Lot Size	0.189 acres (8,276 sqft)
Owner	Individual Name on Record
Last Sale	$282,000 (Sep 2022)
Tax Bill	$3,223 (2025)
Deeds & Mortgages	Aug 2017 Mortgage Jun 2017 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`0394B-084-000`

Property Details

APN / Parcel Number

Primary APN	`0394B-084-000`
Alternative APNs	`0394B084` `11827`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,656 sqft Heated Area
Flooring	Concrete/Cement
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	Composition Shingle
Lot Area	8,276 sqft (0.189 acres)
Garage Area	400 sqft
Porch	Open Porch
Porch Area	196 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	11827
Old Parcel Number	0394B084
Street Address	175 WILLOW DR
City	GUYTON
State	GA
Zip	31312-5634
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	.19 AC LOT 84 (OUT 394-7)
Legal Subdivision	TIMBERLAKE
Legal Phase	2
Legal Block	II
Legal Lot Number	84
Jurisdiction	EFFINGHAM GA
Township / Civil Division	RINCON
Census Block Group	4
Census Block	4009
Census Tract	30301

Owner

Source: Effingham County records, as of December 19, 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 Record
Co-owner	Co-owner on Record
Mailing Address	175 WILLOW DR, GUYTON, GA 31312-5634
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2017	Deed of Trust, Mortgage · FHA Mortgage STEARNS LENDING
Jun 20, 2017	Deed of Trust, Mortgage SOUTH STATE BANK
Jul 6, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE
Jun 18, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE
Sep 21, 2022	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE
Feb 19, 2019	Warranty Deed, Transfer
Feb 19, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 21, 2022 · Amount on Record
Deed Sale	Sep 21, 2022 · Amount on Record
Prior Sale	Feb 19, 2019 · Amount on Record
Deed Document Number	0002809888
Deed Book / Page	2809 / 888
Record Updated	Jun 8, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	175 WILLOW DR, GUYTON, GA 31312-5634
Transaction Type	Mortgage
Record Updated	Nov 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002421/981
Date	Aug 9, 2017
Book Page	2421/981
Instrument	007282

Lender

Name	STEARNS LENDING
Type	Mortgage Company

Agreement

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

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	175 WILLOW DR, GUYTON, GA 31312-5634
Transaction Type	Mortgage
Record Updated	Nov 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002412/23
Date	Jun 20, 2017
Book Page	2412/23
Instrument	005559

Lender

Name	SOUTH STATE BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Jun 1, 2018

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	175 WILLOW DR, GUYTON, GA 31312-5634
Transaction Type	Mortgage
Record Updated	Nov 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	175 WILLOW DR, GUYTON, GA 31312-5634

Mortgage

Document Number	0000002604/0000000078
Date	Jul 6, 2020
Book Page	0000002604/0000000078
Instrument	006463

Lender

Name	FREEDOM MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Jan 1, 2049

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	175 WILLOW DR, GUYTON, GA 31312-5634
Transaction Type	Mortgage
Record Updated	Nov 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	175 WILLOW DR, GUYTON, GA 31312-5634

Mortgage

Document Number	0000002699/0000000658
Date	Jun 18, 2021
Book Page	0000002699/0000000658
Instrument	007437

Lender

Name	FREEDOM MORTGAGE

Agreement

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

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Sep 21, 2022
Property Address	175 WILLOW DR, GUYTON, GA 31312-5634
Document Number	002809/888
Book / Page	2809 / 888
Instrument Date	Sep 21, 2022
Instrument	2022-002872
Transaction Type	Transfer
Record Updated	Nov 30, 2022

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	175 WILLOW DR, GUYTON, GA 31312-5634

Mortgage

Document Number	0000002809/0000000891
Date	Sep 22, 2022
Book Page	0000002809/0000000891
Instrument	009601

Lender

Name	UNITED WHOLESALE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Feb 19, 2019
Property Address	175 WILLOW DR, GUYTON, GA 31312-5634
Document Number	002510/698
Book / Page	2510 / 698
Instrument Date	Feb 19, 2019
Instrument	2019-000381
Transaction Type	Transfer
Record Updated	Nov 30, 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	175 WILLOW DR, GUYTON, GA 31312-5634

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Feb 19, 2019
Property Address	175 WILLOW DR, GUYTON, GA 31312-5634
Document Number	002510/698
Book / Page	2510 / 698
Instrument Date	Feb 19, 2019
Instrument	2019-000312
Transaction Type	Transfer
Record Updated	Nov 30, 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	175 WILLOW DR, GUYTON, GA 31312-5634

Tax Assessment & Valuation

Source: Effingham County assessment roll, as of July 1, 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	$3,223.00 (+10.68%) Homeowner's exemption	$120,718 (+6.81%) Land $22,800 Building $97,918	$301,796 (+6.81%) Land $57,000 Building $244,796
2024	$2,912.00 (+30.7%) Homeowner's exemption	$113,024 (+7.37%) Land $22,800 Building $90,224	$282,561 (+7.37%) Land $57,000 Building $225,561
2023	$2,228.00 (-23.15%)	$105,268 (+18.33%) Land $22,000 Building $83,268	$263,169 (+18.33%) Land $55,000 Building $208,169
2022	$2,899.00	$88,960 Land $17,040 Building $71,920	$222,400 Land $42,600 Building $179,800

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	Moderate above 40% of the US · lower than 73% of Georgia
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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 87 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

May also be available: ClearWave, Hotwire Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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