223 White Bluff Dr, Guyton, GA 31312 Property Records

Effingham County property record for 223 White Bluff Dr, Guyton, GA 31312

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,452 sqft · built 2001
Lot Size	0.58 acres (25,265 sqft)
Owner	Individual Name on File
Last Sale	$145,000 (Oct 2012)
Tax Bill	$3,802 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Apr 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0436C-017-000`

Property Details

APN / Parcel Number

Primary APN	`0436C-017-000`
Alternative APNs	`0092L017000` `0436C017` `16567`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,452 sqft Heated Area
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Brick Veneer
Roof Type	Shed Roof
Roof Material	Composition Shingle
Lot Area	25,265 sqft (0.58 acres)
Garage Area	420 sqft

Exterior Amenities

Pool Area	512 sqft
Porch	Slab
Porch Area	20 sqft
Deck Area	238 sqft
Patio Area	238 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	16567
Street Address	223 WHITE BLUFF DR
City	GUYTON
State	GA
Zip	31312-6575
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	.58 AC LOT 17
Legal Subdivision	WHITE BLUFF
Legal Phase	3
Legal Lot Number	17
Jurisdiction	EFFINGHAM GA
Township / Civil Division	RINCON
Census Block Group	3
Census Block	3002
Census Tract	30301

Owner

Source: Effingham County records · APN 0436C-017-000

Assessment roll updated December 22, 2025 · Last verified April 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 File
Mailing Address	223 WHITE BLUFF DR, GUYTON, GA 31312-6575
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2026	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE MORTGAGE
Apr 10, 2018	Deed of Trust, Mortgage · FHA Mortgage PARAMOUNT MORTGAGE
Apr 15, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 19, 2012 · Amount on Record
Deed Sale	Oct 19, 2012 · Amount on Record
Prior Sale	Nov 30, 2005 · Amount on Record
Deed Document Number	20122430
Deed Book / Page	2139 / 37
Prior Transfer Date	Mar 19, 2008
Prior Transfer Doc	001737/240
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Recording Date	Jul 15, 2026
Property Address	223 WHITE BLUFF DR, GUYTON, GA 31312-6575
Document Number	0000000619
Book / Page	3057 / 259
Instrument Date	Jul 06, 2026
Instrument	2026619
Transaction Type	Mortgage
Record Updated	Aug 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	223 WHITE BLUFF DR, GUYTON, GA 31312-6575

Mortgage

Document Number	0000000619,
Date	Jul 15, 2026
Book Page	3057/259
Instrument	2026619

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 01, 2041

Interest

Rate	5.79%
Max Rate	-1%

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	223 WHITE BLUFF DR, GUYTON, GA 31312-6575
Transaction Type	Mortgage
Record Updated	Mar 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002459/631
Date	Apr 10, 2018
Book Page	2459/631
Instrument	002817

Lender

Name	PARAMOUNT MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2048

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	223 WHITE BLUFF DR, GUYTON, GA 31312-6575
Transaction Type	Mortgage
Record Updated	Mar 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	223 WHITE BLUFF DR, GUYTON, GA 31312-6575

Mortgage

Document Number	0000002680/0000000868
Date	Apr 15, 2021
Book Page	0000002680/0000000868
Instrument	004555

Lender

Name	FREEDOM MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	324 Months
Due	Jan 01, 2048

Tax Assessment & Valuation

Source: Effingham County records · Assessment roll updated December 22, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Georgia
County	Effingham County
Unified School District	Effingham County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,802.00 (+10.04%)	$111,594 (+2.6%) Land $22,800 Building $88,794	$278,985 (+2.6%) Land $57,000 Building $221,985
2024	$3,455.00 (+38.64%)	$108,763 (+45.69%) Land $22,800 Building $85,963	$271,908 (+45.69%) Land $57,000 Building $214,908
2022	$2,492.00	$74,652 Land $16,000 Building $58,652	$186,631 Land $40,000 Building $146,631

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 1, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 15 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	2 (2020)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Nov 2020 · other causes

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 94% of Georgia
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Planters Rural Telephone Cooperative Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile USA.

Based on FCC filings for 105 locations within half a mile of this property.

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