190 Willow Dr, Guyton, GA 31312 Property Records

Effingham County property record for 190 Willow Dr, Guyton, GA 31312

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,684 sqft · built 2017
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on Record
Last Sale	$299,750 (May 2026)
Tax Bill	$2,678 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Apr 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0394B-085-000`

Property Details

APN / Parcel Number

Primary APN	`0394B-085-000`
Alternative APNs	`0394B085` `11828`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,684 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	Composition Shingle
Lot Area	9,148 sqft (0.21 acres)
Garage Area	361 sqft
Porch	Slab
Porch Area	220 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	11828
Street Address	190 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 85 OUT 394-7
Legal Subdivision	TIMBERLAKE
Legal Phase	2
Legal Block	II
Legal Lot Number	85
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	190 WILLOW DR, GUYTON, GA 31312-5631
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 20, 2026	Limited Warranty Deed, Transfer · FHA Mortgage HOME LENDING
Apr 24, 2023	Deed of Trust, Mortgage · Commercial Mortgage BANKSOUTH
Nov 7, 2017	Deed of Trust, Mortgage SOUTH STATE BANK
Nov 28, 2017	Warranty Deed, Subdivision Related Transfer · FHA Mortgage MORTGAGE RESEARCH CENTER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 20, 2026 · Amount on Record
Deed Sale	May 20, 2026 · Amount on Record
Prior Sale	Nov 28, 2017 · Amount on Record
Deed Document Number	20264419
Deed Book / Page	3045 / 64
Prior Transfer Date	Apr 28, 2011
Prior Transfer Doc	002031/088
Record Updated	Oct 29, 2026

May 2026: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	May 20, 2026
Property Address	190 WILLOW DR, GUYTON, GA 31312-5631
Document Number	0000004419
Book / Page	3045 / 64
Instrument Date	May 19, 2026
Instrument	20264419
Transaction Type	Transfer
Record Updated	Jul 13, 2026

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	190 WILLOW DR, GUYTON, GA 31312-5631

Mortgage

Document Number	0000004420,
Date	May 20, 2026
Book Page	3045/66
Instrument	20264420

Lender

Name	HOME LENDING

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.23%
Max Rate	-1%

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	190 WILLOW DR, GUYTON, GA 31312-5631
Transaction Type	Mortgage
Record Updated	Jun 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	190 WILLOW DR, GUYTON, GA 31312-5631

Mortgage

Document Number	0000002843/0000000756
Date	Apr 24, 2023
Book Page	0000002843/0000000756
Instrument	2023003195

Lender

Name	BANKSOUTH

Agreement

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

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	190 WILLOW DR, GUYTON, GA 31312-5631
Transaction Type	Mortgage
Record Updated	Aug 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002436/408
Date	Nov 7, 2017
Book Page	2436/408
Instrument	009985

Lender

Name	SOUTH STATE BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Oct 1, 2018

November 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Nov 28, 2017
Property Address	190 WILLOW DR, GUYTON, GA 31312-5631
Document Number	002441/291
Book / Page	2441 / 291
Instrument Date	Nov 28, 2017
Instrument	2017-003260
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 3, 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	190 WILLOW DR, GUYTON, GA 31312-5631

Mortgage

Document Number	002441/294
Date	Dec 6, 2017
Book Page	2441/294
Instrument	010862

Lender

Name	MORTGAGE RESEARCH CENTER
Type	Mortgage Company

Agreement

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

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		$128,691 (+7.08%) Land $22,800 Building $105,891	$321,728 (+7.08%) Land $57,000 Building $264,728
2025	$2,678.00 (+51.38%) Homeowner's exemption	$120,186 (+13.67%) Land $22,800 Building $97,386	$300,466 (+13.67%) Land $57,000 Building $243,466
2023	$1,769.00 (-21.83%) Homeowner's exemption	$105,733 (+18.32%) Land $22,000 Building $83,733	$264,333 (+18.32%) Land $55,000 Building $209,333
2022	$2,263.00 Homeowner's exemption	$89,359 Land $17,040 Building $72,319	$223,398 Land $42,600 Building $180,798

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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