Effingham County property record for 438 Kessler Loop, Guyton, GA 31312 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 1 Baths |
| Year Built | Built 1980 |
| Square Footage | 1,745 sqft Heated Area |
| Lot Size | 130,680 sqft (3 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $155,300 (2003) |
| Tax Bill | $3,001.00 (2025) |
| Primary APN | 03970-067-000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Baths |
|---|---|
| Building Area | 1,745 sqft Heated Area |
| Stories | 1 Stories |
| Primary Flooring | Softwood Flooring |
| Interior Structure | Wood Interior Structure |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Vinyl Exterior |
| Roof Construction | Shed Roof Construction |
| Roof Material | Metal Roof |
| Lot Area | 130,680 sqft (3 acres) |
| Porch Area | 435 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Central Heating |
| Account Number | 12314 |
|---|---|
| Street Address | 438 KESSLER LOOP |
| City | GUYTON |
| State | GA |
| Zip | 31312-6342 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 3.00 AC TRCT 2-B |
| Legal Tract | 2-B |
| Jurisdiction | EFFINGHAM GA |
| Minor Civil Division | RINCON |
| Census Blockgroup | 2 |
| Census Block | 2007 |
| Census Tract | 30403 |
Source: Effingham County records · APN 03970-067-000
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 438 KESSLER LOOP, GUYTON, GA 31312-6342 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 09, 2026 | Deed of Trust, Mortgage BANK OF NEWINGTON |
| Mar 22, 2019 | Deed of Trust, Mortgage · Commercial Mortgage SYNOVUS BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 21, 2003 · Amount on Record |
| Deed Sale | Apr 21, 2003 · Amount on Record |
| Deed Book / Page | 959 / 306 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Recording Date | Jun 09, 2026 |
| Property Address | 438 KESSLER LOOP, GUYTON, GA 31312-6342 |
| Document Number | 0000005054 |
| Book / Page | 3049 / 415 |
| Instrument Date | May 22, 2026 |
| Instrument | 20265054 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2026 |
| Name | Verified Name |
|---|---|
| Address | 438 KESSLER LOOP, GUYTON, GA 31312-6342 |
| Document Number | 0000005054, |
|---|---|
| Date | Jun 09, 2026 |
| Book Page | 3049/415 |
| Instrument | 20265054 |
| Name | BANK OF NEWINGTON |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 12 Months |
| Due | May 01, 2027 |
| Rate | 6.23% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Property Address | 438 KESSLER LOOP, GUYTON, GA 31312-6342 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|---|
| Address | 438 KESSLER LOOP RD, GA |
| Document Number | 0000002515/0000000574 |
|---|---|
| Date | Mar 22, 2019 |
| Book Page | 0000002515/0000000574 |
| Instrument | 002257 |
| Name | SYNOVUS BANK |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Jan 01, 2024 |
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 | $3,001.00 (+21.55%) Homeowner's exemption | $105,444 (+30.48%) Land $49,407 Building $56,037 | $263,610 (+30.48%) Land $123,518 Building $140,092 |
| 2024 | $2,469.00 (+27.07%) Homeowner's exemption | $80,813 (+9.86%) Land $39,484 Building $41,329 | $202,033 (+9.86%) Land $98,711 Building $103,322 |
| 2023 | $1,943.00 (-13.68%) Homeowner's exemption | $73,563 (+14.14%) Land $39,484 Building $34,079 | $183,908 (+14.14%) Land $98,711 Building $85,197 |
| 2022 | $2,251.00 Homeowner's exemption | $64,452 Land $30,373 Building $34,079 | $161,129 Land $75,932 Building $85,197 |
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 |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Wildfire Risk | Moderate above 43% of the US · above 35% of Georgia |
|---|---|
| Wildfire Likelihood | About 1 in 1,639 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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