490 Edwards Loop, Clyo, GA 31303 Property Records

Effingham County property record for 490 Edwards Loop, Clyo, GA 31303 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bathrooms	2 Baths
Year Built	Built 2020
Square Footage	2,635 sqft Heated Area
Lot Size	542,322 sqft (12.4 acres)
Garage	Carport, 600 sqft
Occupancy	Owner Occupied
Last Sale	$60,000 (2018)
Tax Bill	$4,316.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`02830-008-000`
Alternative APNs	`00250018000` `02830008` `1992`

Interior

Full Baths	2 Baths
Building Area	2,635 sqft Heated Area
Stories	1 Stories
Primary Flooring	Tile Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2020
Exterior Material	Brick Veneer Exterior
Roof Construction	Gable/Hip Roof Construction
Roof Material	Metal Roof
Lot Area	542,322 sqft (12.4 acres)
Garage Type	Carport Garage
Garage Area	600 sqft Garage
Carport	Carport
Carport Area	600 sqft Carport
Deck Area	140 sqft Deck
Patio Area	140 sqft Patio
Porch Area	592 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Central Heating

Location & Zoning

Account Number	1992
Street Address	490 EDWARDS LOOP
City	CLYO
State	GA
Zip	31303-2301
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	12.45 AC TRACT 1 (PLT 28/419) CUVA 2019
Legal Tract	1
Jurisdiction	EFFINGHAM GA
Minor Civil Division	SHAWNEE
Census Blockgroup	2
Census Block	2016
Census Tract	30100

Owner

Source: Effingham County records · APN 02830-008-000

Assessment roll updated December 22, 2025 · Last verified April 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	490 EDWARDS LOOP, CLYO, GA 31303-2301
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOMESPIRE MORTGAGE
Dec 31, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE
Nov 20, 2018	Warranty Deed, Transfer · Commercial Mortgage BANK OF NEWINGTON

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 20, 2018 · Amount on Record
Deed Sale	Nov 20, 2018 · Amount on Record
Deed Doc Number	20183212
Deed Book / Page	2499 / 165
Prior Transfer Date	Dec 11, 2007
Prior Transfer Doc	001704/443
Record Refreshed	Jun 08, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	490 EDWARDS LOOP, CLYO, GA 31303-2301
Transaction Type	Mortgage
Record Updated	Feb 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 EDWARDS LOOP, CLYO, GA 31303-2301

Mortgage

Document Number	0000002654/0000000559
Date	Jan 13, 2021
Book Page	0000002654/0000000559
Instrument	000439

Lender

Name	HOMESPIRE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	490 EDWARDS LOOP, CLYO, GA 31303-2301
Transaction Type	Mortgage
Record Updated	Feb 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	EDWARDS LOOP

Mortgage

Document Number	0000002565/0000000580
Date	Dec 31, 2019
Book Page	0000002565/0000000580
Instrument	011095

Lender

Name	UNITED WHOLESALE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2050

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Nov 20, 2018
Property Address	490 EDWARDS LOOP, CLYO, GA 31303-2301
Document Number	002499/165
Book / Page	2499 / 165
Instrument Date	Nov 20, 2018
Instrument	2018-003212
Transaction Type	Transfer
Record Updated	Mar 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1726 LITTLE MCCALL RD, GUYTON, GA 31312-4895

Mortgage

Document Number	0000002499/0000000166
Date	Nov 21, 2018
Book Page	0000002499/0000000166
Instrument	010201

Lender

Name	BANK OF NEWINGTON

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jan 01, 2023

Tax Assessment & Valuation

Source: Effingham County records · Assessment roll updated December 22, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Georgia
County	Effingham County
Unified School District	Effingham County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,316.00 (+10.36%) Homeowner's exemption	$173,410 (+13.26%) Land $27,953 Building $145,457	$433,525 (+13.26%) Land $69,882 Building $363,643
2024	$3,911.00 (+24.28%) Homeowner's exemption	$153,111 (+8.03%) Land $16,846 Building $136,265	$382,779 (+8.03%) Land $42,116 Building $340,663
2023	$3,147.00 (-16.94%) Homeowner's exemption	$141,736 (+0.11%) Land $16,846 Building $124,889	$354,339 (+0.11%) Land $42,116 Building $312,223
2022	$3,789.00 Homeowner's exemption	$141,579 Land $16,690 Building $124,889	$353,949 Land $41,726 Building $312,223

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Moderate above 49% of the US · above 59% of Georgia
Wildfire Likelihood	About 1 in 1,587 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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