Effingham County property record for 409 Banberry Ct, Guyton, GA 31312
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,941 sqft · built 2005 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $201,445 (Dec 2005) |
| Tax Bill | $3,523 (2025) |
| Deeds & Mortgages | Aug 2023 Sale Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0418F-059-000 |
| Primary APN | 0418F-059-000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,941 sqft Heated Area |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Shed Roof |
| Roof Material | Fiberglass |
| Lot Area | 11,326 sqft (0.26 acres) |
| Garage Area | 920 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Patio |
| Porch Area | 167 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 14545 |
|---|---|
| Street Address | 409 BANBERRY CT |
| City | GUYTON |
| State | GA |
| Zip | 31312-7507 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD |
| Legal Description | .26 AC LOT 59 (OUT 93-40) |
| Legal Subdivision | PARK WEST |
| Legal Phase | 2 |
| Legal Block | II |
| Legal Lot Number | 59 |
| Jurisdiction | EFFINGHAM GA |
| Township / Civil Division | RINCON |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 30403 |
409 Banberry Ct is owned and occupied by two individuals who acquired it in August 2023.
Source: Effingham County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 409 BANBERRY CT, GUYTON, GA 31312-7507 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 7, 2023 | Warranty Deed, Transfer |
| Sep 3, 2020 | Deed of Trust, Mortgage · Conventional Mortgage M&T MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 16, 2005 · Amount on File |
| Deed Sale | Dec 16, 2005 · Amount on File |
| Deed Document Number | 20054217 |
| Deed Book / Page | 1382 / 283 |
| Last Transfer Date | Aug 3, 2023 |
| Transfer Doc | 002864/539 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Recording Date | Aug 7, 2023 |
| Property Address | 409 BANBERRY CT, GUYTON, GA 31312-7507 |
| Document Number | 002864/539 |
| Book / Page | 2864 / 539 |
| Instrument Date | Aug 3, 2023 |
| Instrument | D2023006594 |
| Transaction Type | Transfer |
| Record Updated | Mar 8, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 409 BANBERRY CT, GUYTON, GA 31312-7507 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Property Address | 409 BANBERRY CT, GUYTON, GA 31312-7507 |
| Transaction Type | Mortgage |
| Record Updated | Aug 3, 2022 |
| Name | Verified Name |
|---|---|
| Address | 409 BANBERRY CT, GUYTON, GA 31312-7507 |
| Document Number | 0000002620/0000000847 |
|---|---|
| Date | Sep 3, 2020 |
| Book Page | 0000002620/0000000847 |
| Instrument | 009043 |
| Name | M&T MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jan 1, 2035 |
The 2025 property tax bill for 409 Banberry Ct was $3,523 with a homeowner's exemption, up 10.8% from the year before.
Source: Effingham County assessment roll, as of December 22, 2025
| Type | Name |
|---|---|
| State | Georgia |
| County | Effingham County |
| Unified School District | Effingham County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $132,431 (-6.02%) Land $22,800 Building $109,631 | $331,077 (-6.02%) Land $57,000 Building $274,077 | |
| 2025 | $3,523.00 (+10.82%) Homeowner's exemption | $140,913 (+12.43%) Land $22,800 Building $118,113 | $352,283 (+12.43%) Land $57,000 Building $295,283 |
| 2024 | $3,179.00 (+24.62%) Homeowner's exemption | $125,333 (-0.08%) Land $22,800 Building $102,533 | $313,333 (-0.08%) Land $57,000 Building $256,333 |
| 2023 | $2,551.00 (-16.22%) Homeowner's exemption | $125,429 (+29.44%) Land $17,600 Building $107,829 | $313,573 (+29.45%) Land $44,000 Building $269,573 |
| 2022 | $3,045.00 Homeowner's exemption | $96,898 Land $16,000 Building $80,898 | $242,244 Land $40,000 Building $202,244 |
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.
FEMA maps place 409 Banberry Ct in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 49 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 49 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 risk around 409 Banberry Ct is low, with a 0.04% annual chance of 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 | 0.04% 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.
Source: FCC Broadband Data Collection, based on 263 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 | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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