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408 White Bluff Ln, Guyton, GA 31312 Property Records

Effingham County property record for 408 White Bluff Ln, Guyton, GA 31312

Property Summary

Property TypeSingle Family Home
Details2 ba · 1,541 sqft · built 2000
Lot Size0.55 acres (23,958 sqft)
OwnerIndividual Name on Record
Last Sale$114,900 (Feb 2001)
Tax Bill$2,750 (2025)
Deeds & MortgagesAug 2020 Mortgage
Jul 2020 Sale
Flood ZoneZone X (minimal risk)
APN0436C-028-000

Property Details

APN / Parcel Number

Primary APN0436C-028-000
Alternative APNs
  • 0092L028000
  • 0436C028
  • 16578

Interior

Full Baths2 Baths
Stories1 Story
Building Area1,541 sqft Heated Area
FlooringHardwood
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2000
Effective Year BuiltEffective 2000
Exterior MaterialBrick Veneer
Foundation TypeSlab (Mat/Raft)
Roof TypeShed Roof
Roof MaterialComposition Shingle
Lot Area23,958 sqft (0.55 acres)
Garage Area440 sqft

Exterior Amenities

PorchSlab
Porch Area72 sqft
Deck Area120 sqft
Patio Area120 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number16578
Street Address408 WHITE BLUFF LN
CityGUYTON
StateGA
Zip31312-6570
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-1
Legal Description.55 AC LOT 28
Legal SubdivisionWHITE BLUFF
Legal Phase2
Legal Block2
Legal Lot Number28
JurisdictionEFFINGHAM GA
Township / Civil DivisionRINCON
Census Block Group3
Census Block3003
Census Tract30301

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 RecordIndividual Name on Record
Mailing Address408 WHITE BLUFF LN, GUYTON, GA 31312-6570
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 18, 2020Deed of Trust, Mortgage · Conventional Mortgage
QUICKEN LOANS
Jul 31, 2020Warranty Deed, Transfer

Assessor's Deed Record

Deed NamesName on Deed
Last SaleFeb 15, 2001 · Amount on Record
Deed SaleFeb 15, 2001 · Amount on Record
Deed Book / Page690 / 257
Last Transfer DateJul 31, 2020
Transfer Doc002616/432
Record UpdatedOct 29, 2026

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionEFFINGHAM GA
Property Address408 WHITE BLUFF LN, GUYTON, GA 31312-6570
Transaction TypeMortgage
Record UpdatedMar 22, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address408 WHITE BLUFF LN, GUYTON, GA 31312-6570

Mortgage

Document Number0000002616/0000000434
DateAug 18, 2020
Book Page0000002616/0000000434
Instrument008356
Lender
NameQUICKEN LOANS
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term348 Months
DueJan 1, 2049

July 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionEFFINGHAM GA
Recording DateJul 31, 2020
Property Address408 WHITE BLUFF LN, GUYTON, GA 31312-6570
Document Number002616/432
Book / Page2616 / 432
Instrument DateJul 31, 2020
Instrument2020-002285
Transaction TypeTransfer
Record UpdatedNov 16, 2022

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Notice of Trustee Sale
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address408 WHITE BLUFF LN, GUYTON, GA 31312-6570

Tax Assessment & Valuation

Source: Effingham County assessment roll, as of December 22, 2025

Property Jurisdictions

TypeName
StateGeorgia
CountyEffingham County
Unified School DistrictEffingham County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$98,109 (-) Land $22,800 Building $75,309$245,272 (-) Land $57,000 Building $188,272
2025$2,750.00 (+10.66%) Homeowner's exemption$98,109 (+2.71%) Land $22,800 Building $75,309$245,272 (+2.71%) Land $57,000 Building $188,272
2024$2,485.00 (+15.53%) Homeowner's exemption$95,523 (+45.91%) Land $22,800 Building $72,723$238,807 (+45.91%) Land $57,000 Building $181,807
2022$2,151.00 Homeowner's exemption$65,465 Land $16,000 Building $49,465$163,663 Land $40,000 Building $123,663

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 15 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies15 in force
Nearby Flood Claims2 (2020)
Claims Outside the SFHA2 of 2
Most Recent ClaimNov 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 RiskLow
lower than 80% of the US · lower than 94% of Georgia
Wildfire Likelihood0.03% annual chance
ExposureDirect
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

ProviderMax 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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