406 White Bluff Ln, Guyton, GA 31312 Property Records

Effingham County property record for 406 White Bluff Ln, Guyton, GA 31312

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,257 sqft · built 2000
Lot Size	0.51 acres (22,216 sqft)
Owner	Individual Name on Record
Last Sale	$162,000 (Sep 2019)
Tax Bill	$3,780 (2025)
Deeds & Mortgages	Sep 2019 Sale & Mortgage May 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0436C-029-000`

Property Details

APN / Parcel Number

Primary APN	`0436C-029-000`
Alternative APNs	`0092L029000` `0436C029` `16579`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,257 sqft Heated Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2012
Exterior Material	Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Shed Roof
Roof Material	Composition Shingle
Lot Area	22,216 sqft (0.51 acres)
Garage Area	441 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	92 sqft
Deck Area	100 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	16579
Old Parcel Number	0436C029
Street Address	406 WHITE BLUFF LN
City	GUYTON
State	GA
Zip	31312-6570
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	.51 AC LOT 29
Legal Subdivision	WHITE BLUFF
Legal Phase	3
Legal Block	II
Legal Lot Number	29
Jurisdiction	EFFINGHAM GA
Township / Civil Division	RINCON
Census Block Group	3
Census Block	3003
Census Tract	30301

Owner

Source: Effingham County records, as of December 19, 2025

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	406 WHITE BLUFF LN, GUYTON, GA 31312-6570
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2019	Warranty Deed, Transfer · FHA Mortgage MAGNOLIA BANK
May 29, 2018	Warranty Deed, Transfer · VA Mortgage AMERIS BANK
Apr 25, 2017	Warranty Deed, Transfer · VA Mortgage FREEDOM MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 9, 2019 · Amount on Record
Deed Sale	Sep 9, 2019 · Amount on Record
Prior Sale	May 29, 2018 · Amount on Record
Deed Document Number	0002545498
Deed Book / Page	2545 / 498
Record Updated	Jun 8, 2026

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Sep 9, 2019
Property Address	406 WHITE BLUFF LN, GUYTON, GA 31312-6570
Document Number	002545/498
Book / Page	2545 / 498
Instrument Date	Sep 9, 2019
Instrument	2019-002414
Transaction Type	Transfer
Record Updated	Mar 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 WHITE BLUFF LN, GUYTON, GA 31312-6570

Mortgage

Document Number	0000002545/0000000500
Date	Sep 13, 2019
Book Page	0000002545/0000000500
Instrument	007714

Lender

Name	MAGNOLIA BANK

Agreement

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

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	May 29, 2018
Property Address	406 WHITE BLUFF LN, GUYTON, GA 31312-6570
Document Number	002468/947
Book / Page	2468 / 947
Instrument Date	May 29, 2018
Instrument	2018-001282
Transaction Type	Transfer
Record Updated	Mar 22, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 WHITE BLUFF LN, GUYTON, GA 31312-6570

Mortgage

Document Number	002468/949
Date	May 30, 2018
Book Page	2468/949
Instrument	004592

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2048

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Apr 25, 2017
Property Address	406 WHITE BLUFF LN, GUYTON, GA 31312-6570
Document Number	002401/943
Book / Page	2401 / 943
Instrument Date	Apr 25, 2017
Instrument	2017-001051
Transaction Type	Transfer
Record Updated	Mar 22, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 WHITE BLUFF LN, GUYTON, GA 31312-6570

Mortgage

Document Number	002401/944
Date	Apr 27, 2017
Book Page	2401/944
Instrument	003480

Lender

Name	FREEDOM MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2047

Tax Assessment & Valuation

Source: Effingham County assessment roll, as of July 1, 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
2025	$3,780.00 (+12.53%)	$111,166 (+5.41%) Land $22,800 Building $88,366	$277,914 (+5.41%) Land $57,000 Building $220,914
2024	$3,359.00 (+46.62%)	$105,464 (+55.93%) Land $22,800 Building $82,664	$263,661 (+55.93%) Land $57,000 Building $206,661
2022	$2,291.00	$67,636 Land $16,000 Building $51,636	$169,089 Land $40,000 Building $129,089

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
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

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	Low lower than 80% of the US · lower than 94% of Georgia
Wildfire Likelihood	0.03% 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 105 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
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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