353 Whitaker Rd, Clyo, GA 31303 Property Records

Effingham County property record for 353 Whitaker Rd, Clyo, GA 31303

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,566 sqft · built 1987
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$2,600 (Mar 1987)
Tax Bill	$1,933 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Jun 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04410-042-000`

Property Details

APN / Parcel Number

Primary APN	`04410-042-000`
Alternative APNs	`00960030C00` `04410042` `16729`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,566 sqft Heated Area
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Fiber Cement Siding
Foundation Type	Pier/Post & Beam
Roof Type	Shed Roof
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Garage Area	624 sqft

Exterior Amenities

Porch	Patio
Porch Area	490 sqft
Shed	1 Shed
Shed Area	144 sqft
Utility Building	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	16729
Street Address	353 WHITAKER RD
City	CLYO
State	GA
Zip	31303-3826
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR-1
Legal Description	1.00 AC LOT 2
Legal Lot Number	2
Jurisdiction	EFFINGHAM GA
Township / Civil Division	GUYTON-SPRINGFIELD
Census Block Group	2
Census Block	2005
Census Tract	30206

Owner

Source: Effingham County records, as of September 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	353 WHITAKER RD, CLYO, GA 31303-3826
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2026	Deed of Trust, Mortgage AMERISAVE MORTGAGE
Jun 8, 2021	Deed of Trust, Mortgage GEOVISTA CREDIT UNION
Jul 18, 2019	Deed of Trust, Mortgage · FHA Mortgage LOAN DEPOT COM
Nov 9, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 12, 1987 · Amount on Record
Deed Sale	Mar 12, 1987 · Amount on Record
Deed Book / Page	242 / 496
Last Transfer Date	Nov 9, 2020
Transfer Doc	00002653/1
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	353 WHITAKER RD, CLYO, GA 31303-3826
Transaction Type	Mortgage
Record Updated	May 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	353 WHITAKER RD, CLYO, GA 31303-3826

Mortgage

Document Number	0000003033/0000000710
Date	Mar 31, 2026
Book Page	0000003033/0000000710

Lender

Name	AMERISAVE MORTGAGE

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Jan 1, 2036

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	353 WHITAKER RD, CLYO, GA 31303-3826
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	353 WHITAKER RD, CLYO, GA 31303-3826

Mortgage

Document Number	0000002696/0000000293
Date	Jun 8, 2021
Book Page	0000002696/0000000293
Instrument	006911

Lender

Name	GEOVISTA CREDIT UNION

Agreement

Amount	Amount Recorded
Due	Jan 1, 2021

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	353 WHITAKER RD, CLYO, GA 31303-3826
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	353 WHITAKER RD, CLYO, GA 31303-3826

Mortgage

Document Number	0000002535/0000000387
Date	Jul 18, 2019
Book Page	0000002535/0000000387
Instrument	005933

Lender

Name	LOAN DEPOT COM

Agreement

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

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Nov 9, 2020
Property Address	353 WHITAKER RD, CLYO, GA 31303-3826
Document Number	00002653/1
Book / Page	2653 / 1
Instrument Date	Nov 9, 2020
Instrument	2020-003272
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	353 WHITAKER RD, CLYO, GA 31303-3826

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		$58,449 (-) Land $11,881 Building $46,568	$146,122 (-) Land $29,702 Building $116,420
2025	$1,933.00 (+10.65%) Homeowner's exemption	$58,449 (+20.75%) Land $11,881 Building $46,568	$146,122 (+20.75%) Land $29,702 Building $116,420
2024	$1,747.00 (+13.66%) Homeowner's exemption	$48,406 (+11.4%) Land $3,312 Building $45,094	$121,015 (+11.4%) Land $8,281 Building $112,734
2022	$1,537.00 Homeowner's exemption	$43,454 Land $2,070 Building $41,384	$108,635 Land $5,176 Building $103,459

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 50% of the US · above 63% of Georgia
Wildfire Likelihood	0.09% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000

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