Effingham County property record for 431 Lower Ferry Rd, Clyo, GA 31303
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,576 sqft · built 1998 |
| Lot Size | 0.97 acres (42,253 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,697 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 04240-012-000 |
| Primary APN | 04240-012-000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,576 sqft Heated Area |
| Gross Area | 660 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Mobile Home |
| Exterior Material | Fiber Cement Siding |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Shed Roof |
| Roof Material | Composition Shingle |
| Lot Area | 42,253 sqft (0.97 acres) |
| Porch | Slab |
| Porch Area | 64 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 15004 |
|---|---|
| Street Address | 431 LOWER FERRY RD |
| City | CLYO |
| State | GA |
| Zip | 31303-3731 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AR-1 |
| Legal Description | .97 AC N PT LOT 3 |
| Legal Subdivision | ESTATE MIKE WALLACE 05 |
| Legal Lot Number | 3 |
| Jurisdiction | EFFINGHAM GA |
| Township / Civil Division | GUYTON-SPRINGFIELD |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 30206 |
431 Lower Ferry Rd is owned and occupied by an individual who acquired it in August 2004.
Source: Effingham County records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 431 LOWER FERRY RD, CLYO, GA 31303-3731 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 2, 2004 |
| Deed Sale | Aug 2, 2004 |
| Deed Book / Page | 1151 / 319 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 431 Lower Ferry Rd was $2,697 with a homeowner's exemption.
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 | $74,019 (-) Land $18,036 Building $55,983 | $185,047 (-) Land $45,089 Building $139,958 | |
| 2025 | $2,697.00 Homeowner's exemption | $74,019 Land $18,036 Building $55,983 | $185,047 Land $45,089 Building $139,958 |
| 2022 | $1,139.00 Homeowner's exemption | $40,211 Land $2,053 Building $38,158 | $100,528 Land $5,133 Building $95,395 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 431 Lower Ferry Rd in Zone X, an area of minimal flood risk.
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 risk around 431 Lower Ferry Rd is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 57% of the US · above 84% of Georgia |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Windstream DSL | 100 / 20 |
May also be available: Verizon.
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