Effingham County property record for 643 Lower Ferry Rd, Clyo, GA 31303
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 813 sqft · built 1950 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,125 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 04240-007-000 |
| Primary APN | 04240-007-000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 813 sqft Heated Area |
| Flooring | Softwood |
| Interior Walls | Wood |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Exterior Material | Other |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Shed Roof |
| Roof Material | Metal |
| Lot Area | 21,780 sqft (0.5 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 240 sqft |
| Deck Area | 98 sqft |
| Patio Area | 98 sqft |
| Heating System | HVAC |
|---|
| Account Number | 15001 |
|---|---|
| Street Address | 643 LOWER FERRY RD |
| City | CLYO |
| State | GA |
| Zip | 31303-3729 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AR-1 |
| Legal Description | .50 AC LIFE ESTATE |
| Jurisdiction | EFFINGHAM GA |
| Township / Civil Division | GUYTON-SPRINGFIELD |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 30206 |
Source: Effingham County records, as of October 9, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 643 LOWER FERRY RD, CLYO, GA 31303-3729 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 24, 1989 |
| Deed Sale | Feb 24, 1989 |
| Deed Book / Page | 264 / 514 |
| Record Updated | Oct 29, 2026 |
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 | $21,999 (-) Land $11,799 Building $10,200 | $54,999 (-) Land $29,498 Building $25,501 | |
| 2025 | $1,125.00 (+26.98%) | $21,999 (+35.13%) Land $11,799 Building $10,200 | $54,999 (+35.14%) Land $29,498 Building $25,501 |
| 2024 | $886.00 (+61.09%) | $16,280 (+151.04%) Land $7,608 Building $8,672 | $40,698 (+151.04%) Land $19,019 Building $21,679 |
| 2023 | $550.00 (+3.58%) | $6,485 (+14.23%) Land $2,154 Building $4,331 | $16,212 (+14.23%) Land $5,384 Building $10,828 |
| 2022 | $531.00 | $5,677 Land $1,346 Building $4,331 | $14,193 Land $3,365 Building $10,828 |
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 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 52% of the US · above 71% 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 13 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Windstream DSL | 200 / 20 |
May also be available: Verizon.
5G (outdoors only) and 4G LTE
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