Effingham County property record for 496 Zipperer Rd, Guyton, GA 31312
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,345 sqft · built 1999 |
| Lot Size | 5.15 acres (224,334 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $4,595 (2025) |
| Deeds & Mortgages | Sep 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 0396A-001-000 |
| Primary APN | 0396A-001-000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,345 sqft Heated Area |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Brick Veneer |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable/Hip |
| Roof Material | Fiberglass |
| Lot Area | 224,334 sqft (5.15 acres) |
| Garage Type | Mixed |
| Garage Area | 2,271 sqft |
| Parking Spaces | 7 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 469 sqft |
| Deck Area | 210 sqft |
| Patio Area | 290 sqft |
| Canopy | 432 sqft |
| Storage Building | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 12233 |
|---|---|
| Street Address | 496 ZIPPERER RD |
| City | GUYTON |
| State | GA |
| Zip | 31312-6835 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AR-1 |
| Legal Description | 5.15 AC LOT 1 |
| Legal Subdivision | LOVETT |
| Legal Lot Number | 1 |
| Jurisdiction | EFFINGHAM GA |
| Township / Civil Division | RINCON |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 30301 |
Source: Effingham County records, as of September 23, 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 Record |
|---|---|
| Mailing Address | 496 ZIPPERER RD, GUYTON, GA 31312-6835 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 29, 1999 |
| Deed Sale | Mar 29, 1999 |
| Deed Book / Page | 555 / 335 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Property Address | 496 ZIPPERER RD, GUYTON, GA 31312-6835 |
| Transaction Type | Mortgage |
| Record Updated | Jun 10, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0002426/70 |
|---|---|
| Date | Sep 1, 2017 |
| Book Page | 2426/70 |
| Instrument | 008058 |
| Name | FIRST EFFINGHAM BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Sep 1, 2027 |
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 | $201,886 (-4.45%) Land $83,755 Building $118,131 | $504,714 (-4.45%) Land $209,387 Building $295,327 | |
| 2025 | $4,595.00 (+11.07%) Homeowner's exemption Senior Citizen's exemption | $211,286 (+13.51%) Land $83,755 Building $127,531 | $528,214 (+13.51%) Land $209,387 Building $318,827 |
| 2024 | $4,137.00 (+22.94%) Homeowner's exemption Senior Citizen's exemption | $186,133 (+3.88%) Land $67,891 Building $118,242 | $465,333 (+3.88%) Land $169,728 Building $295,605 |
| 2023 | $3,365.00 (-13.5%) Homeowner's exemption | $179,174 (+24.59%) Land $67,891 Building $111,282 | $447,934 (+24.59%) Land $169,728 Building $278,206 |
| 2022 | $3,890.00 Homeowner's exemption | $143,812 Land $32,530 Building $111,282 | $359,532 Land $81,326 Building $278,206 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Flood Insurance Cost | Premium on Record median of 40 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 40 in force |
| Nearby Flood Claims | 2 (2002–2009) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Dec 2009 · rainfall accumulation |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · above 47% of Georgia |
|---|---|
| Wildfire Likelihood | 0.07% 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 11 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 | 1,200 / 35 |
5G (outdoors only) and 4G LTE
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