3143 Sisters Ferry Rd, Clyo, GA 31303 Property Records

Effingham County property record for 3143 Sisters Ferry Rd, Clyo, GA 31303

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,696 sqft · built 1955
Lot Size	1.4 acres (60,984 sqft)
Owner	Individual Name on Record
Tax Bill	$4,468 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Oct 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`04040-010-000`

Property Details

APN / Parcel Number

Primary APN	`04040-010-000`
Alternative APNs	`00840029000` `04040010` `12765`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,696 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1955
Effective Year Built	Effective 2015
Exterior Material	Brick Veneer
Foundation Type	Concrete
Roof Type	Shed Roof
Roof Material	Composition Shingle
Lot Area	60,984 sqft (1.4 acres)
Garage Type	Mixed
Garage Area	576 sqft

Exterior Amenities

Porch	Slab
Porch Area	480 sqft
Shed	1 Shed
Shed Area	240 sqft

Location & Zoning

Account Number	12765
Street Address	3143 SISTERS FERRY RD
City	CLYO
State	GA
Zip	31303-3423
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR-1
Legal Description	1.40 AC
Jurisdiction	EFFINGHAM GA
Township / Civil Division	GUYTON-SPRINGFIELD
Census Block Group	1
Census Block	1019
Census Tract	30206

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	Individual Name on Record
Mailing Address	3143 SISTERS FERRY RD, CLYO, GA 31303-3423
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2021	Deed of Trust, Mortgage · Commercial Mortgage QUEENSBOROUGH NATIONAL BANK
Oct 11, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 5, 2002
Deed Sale	Jun 5, 2002
Deed Book / Page	837 / 364
Last Transfer Date	Oct 11, 2019
Transfer Doc	002550/939
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	3143 SISTERS FERRY RD, CLYO, GA 31303-3423
Transaction Type	Mortgage
Record Updated	Feb 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3143 SISTERS FERRY RD, CLYO, GA 31303-3423

Mortgage

Document Number	0000002651/0000000993
Date	Jan 5, 2021
Book Page	0000002651/0000000993
Instrument	000046

Lender

Name	QUEENSBOROUGH NATIONAL BANK

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jan 1, 2030

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Oct 11, 2019
Property Address	3143 SISTERS FERRY RD, CLYO, GA 31303-3423
Document Number	002550/939
Book / Page	2550 / 939
Instrument Date	Oct 11, 2019
Instrument	2019-002750
Transaction Type	Transfer
Record Updated	Nov 16, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3143 SISTERS FERRY RD, CLYO, GA 31303-3423

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		$156,489 (+17.72%) Land $15,064 Building $141,425	$391,224 (+17.72%) Land $37,661 Building $353,563
2025	$4,468.00 (+155.75%)	$132,936 (+188.9%) Land $15,064 Building $117,872	$332,342 (+188.9%) Land $37,661 Building $294,681
2024	$1,747.00 (+14.18%)	$46,015 (+7.95%) Land $4,594 Building $41,421	$115,039 (+7.95%) Land $11,486 Building $103,553
2023	$1,530.00 (-0.84%)	$42,628 (+4.21%) Land $4,594 Building $38,034	$106,571 (+4.21%) Land $11,486 Building $95,085
2022	$1,543.00	$40,906 Land $2,872 Building $38,034	$102,264 Land $7,179 Building $95,085

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	4 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	0.04% annual chance
Exposure	Indirect within ember reach

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 11 locations within half a mile, as of December 31, 2025

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

May also be available: Windstream.

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