2320 Low Ground Rd, Guyton, GA 31312 Property Records

Effingham County property record for 2320 Low Ground Rd, Guyton, GA 31312

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,794 sqft · built 2022
Lot Size	1.54 acres (67,082 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,926 (2025)
Deeds & Mortgages	Jan 2025 Second Mortgage Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0372A-004-A00`

Property Details

APN / Parcel Number

Primary APN	`0372A-004-A00`
Alternative APN	`29891`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,794 sqft Heated Area
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2023
Exterior Material	Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Fiberglass
Lot Area	67,082 sqft (1.54 acres)
Garage Area	1,280 sqft
Porch	Slab
Deck Area	272 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	29891
Street Address	2320 LOW GROUND RD
City	GUYTON
State	GA
Zip	31312-5123
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR-2
Legal Description	1.535 AC LOT 5 (OUT 372A-4) PLT 28/529
Legal Subdivision	KENDALL SHAYS
Legal Phase	1
Legal Lot Number	5
Jurisdiction	EFFINGHAM GA
Township / Civil Division	GUYTON-SPRINGFIELD
Census Block Group	1
Census Block	1004
Census Tract	30208

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	2320 LOW GROUND RD, GUYTON, GA 31312-5123
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE
Jun 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS
Aug 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage MAGNOLIA BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	2320 LOW GROUND RD, GUYTON, GA 31312-5123
Transaction Type	Mortgage
Record Updated	Oct 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2320 LOW GROUND RD, GUYTON, GA 31312-5123

Mortgage

Document Number	0000002954/0000000001
Date	Jan 31, 2025
Book Page	0000002954/0000000001
Instrument	D2025-000684

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jan 1, 2045

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	2320 LOW GROUND RD, GUYTON, GA 31312-5123
Transaction Type	Mortgage
Record Updated	Jul 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2320 LOW GROUND RD, GUYTON, GA 31312-5123

Mortgage

Document Number	0000002696/0000000732
Date	Jun 10, 2021
Book Page	0000002696/0000000732
Instrument	006976

Lender

Name	QUICKEN LOANS

Agreement

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

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	2320 LOW GROUND RD, GUYTON, GA 31312-5123
Transaction Type	Mortgage
Record Updated	Feb 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002541/0000000198
Date	Aug 16, 2019
Book Page	0000002541/0000000198
Instrument	006920

Lender

Name	MAGNOLIA BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2049

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		$163,472 (-9.26%) Land $30,082 Building $133,390	$408,681 (-9.26%) Land $75,206 Building $333,475
2025	$4,926.00 (+8.05%) Homeowner's exemption	$180,154 (-3.89%) Land $39,938 Building $140,216	$450,385 (-3.89%) Land $99,846 Building $350,539
2024	$4,559.00 (+448.62%) Homeowner's exemption	$187,449 (+802.98%) Land $33,880 Building $153,569	$468,622 (+802.97%) Land $84,700 Building $383,922
2022	$831.00	$20,759 Land $20,759	$51,898 Land $51,898

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	5 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 52% of the US · above 73% of Georgia
Wildfire Likelihood	0.1% 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 9 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	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Low Ground Rd

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