Effingham County property record for 397 Arnsdorff Loop, Clyo, GA 31303 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,472 sqft · built 2000 |
| Lot Size | 5 acres (217,800 sqft) |
| Owner | Individual Name on File |
| Last Sale | $208,000 (Oct 2022) |
| Tax Bill | $2,792 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Oct 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03630-032-000 |
| Primary APN | 03630-032-000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 1,472 sqft Heated Area |
| Stories | 1 Story |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Brick Veneer |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 217,800 sqft (5 acres) |
| Parking Spaces | 1 Parking Space |
| Garage Area | 240 sqft Garage |
| Porch | Slab |
| Porch Area | 89 sqft Porch |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 8265 |
|---|---|
| Street Address | 397 ARNSDORFF LOOP |
| City | CLYO |
| State | GA |
| Zip | 31303-3443 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 5.00 AC 2018 CUVA |
| Jurisdiction | EFFINGHAM GA |
| Township / Civil Division | SHAWNEE |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 30100 |
Source: Effingham County records · APN 03630-032-000
Assessment roll updated December 22, 2025 · Last verified July 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 | 397 ARNSDORFF LOOP, CLYO, GA 31303-3443 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 18, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE |
| Oct 28, 2022 | Warranty Deed, Transfer · Conventional Mortgage HERITAGE UNLIMITED |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 28, 2022 · Amount on Record |
| Deed Sale | Oct 28, 2022 · Amount on Record |
| Prior Sale | Jun 06, 2005 · Amount on Record |
| Deed Document Number | 20223226 |
| Deed Book / Page | 2816 / 539 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Recording Date | May 18, 2026 |
| Property Address | 397 ARNSDORFF LOOP, CLYO, GA 31303-3443 |
| Document Number | 0000004296 |
| Book / Page | 3044 / 238 |
| Instrument Date | May 13, 2026 |
| Instrument | 20264296 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2026 |
| Name | Verified Name |
|---|---|
| Address | 397 ARNSDORFF LOOP, CLYO, GA 31303-3443 |
| Document Number | 0000004296, |
|---|---|
| Date | May 18, 2026 |
| Book Page | 3044/238 |
| Instrument | 20264296 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2056 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Recording Date | Oct 28, 2022 |
| Property Address | 397 ARNSDORFF LOOP, CLYO, GA 31303-3443 |
| Document Number | 002816/539 |
| Book / Page | 2816 / 539 |
| Instrument Date | Oct 28, 2022 |
| Instrument | 2022-003226 |
| Transaction Type | Transfer |
| Record Updated | May 02, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 397 ARNSDORFF LOOP, CLYO, GA 31303-3443 |
| Document Number | 0000002816/0000000541 |
|---|---|
| Date | Oct 28, 2022 |
| Book Page | 0000002816/0000000541 |
| Instrument | 010736 |
| Name | HERITAGE UNLIMITED |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2052 |
Source: Effingham County records · Assessment roll updated December 22, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Georgia |
| County | Effingham County |
| Unified School District | Effingham County School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,792.00 (+32.01%) | $97,594 (+43.04%) Land $26,826 Building $70,768 | $243,986 (+43.04%) Land $67,065 Building $176,921 |
| 2024 | $2,115.00 (+32.6%) Additional exemption filed | $68,228 (+26.96%) Land $11,604 Building $56,624 | $170,570 (+26.96%) Land $29,011 Building $141,559 |
| 2023 | $1,595.00 (-3.68%) | $53,739 (+4.23%) Land $11,604 Building $42,134 | $134,347 (+4.23%) Land $29,011 Building $105,336 |
| 2022 | $1,656.00 | $51,559 Land $9,425 Building $42,134 | $128,898 Land $23,562 Building $105,336 |
Source: FEMA National Flood Hazard Layer, Effingham County (13103C), updated October 1, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 44% of the US · above 39% of Georgia |
|---|---|
| Wildfire Likelihood | About 1 in 1,515 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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