Effingham County property record for 645 Chester Thomas Rd, Springfield, GA 31329
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,328 sqft · built 1999 |
| Lot Size | 5.78 acres (251,777 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,987 (2025) |
| Deeds & Mortgages | Jun 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03140-005-000 |
| Primary APN | 03140-005-000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,328 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 | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Fiberglass |
| Lot Area | 251,777 sqft (5.78 acres) |
| Garage Type | Carport |
| Garage Area | 576 sqft |
| Carport | Carport |
| Carport Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 318 sqft |
| Pole Barn | 2,400 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 4316 |
|---|---|
| Street Address | 645 CHESTER THOMAS RD |
| City | SPRINGFIELD |
| State | GA |
| Zip | 31329-3735 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AR-1 |
| Legal Description | 5.78 AC |
| Jurisdiction | EFFINGHAM GA |
| Township / Civil Division | SHAWNEE |
| Census Block Group | 1 |
| Census Block | 1045 |
| Census Tract | 30100 |
645 Chester Thomas Rd is owned and occupied by two individuals who acquired it in July 2006.
Source: Effingham County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 853, SPRINGFIELD, GA 31329-0853 |
| 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 | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jul 31, 2006 |
| Transfer Doc | 0000002653 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Property Address | 645 CHESTER THOMAS RD, SPRINGFIELD, GA 31329-3735 |
| Transaction Type | Mortgage |
| Record Updated | Jul 8, 2022 |
| Name | Verified Name |
|---|---|
| Address | 645 CHESTER THOMAS RD, SPRINGFIELD, GA 31329-3735 |
| Document Number | 0000002789/0000000153 |
|---|---|
| Date | Jun 9, 2022 |
| Book Page | 0000002789/0000000153 |
| Instrument | 005834 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jan 1, 2037 |
The 2025 property tax bill for 645 Chester Thomas Rd was $3,987 with a homeowner's exemption, up 9.5% from the year before.
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 | $126,354 (-) Land $25,840 Building $100,514 | $315,884 (-) Land $64,600 Building $251,284 | |
| 2025 | $3,987.00 (+9.53%) Homeowner's exemption | $126,354 (+7.7%) Land $25,840 Building $100,514 | $315,884 (+7.7%) Land $64,600 Building $251,284 |
| 2024 | $3,640.00 (+29.95%) Homeowner's exemption | $117,324 (+6.46%) Land $18,105 Building $99,219 | $293,309 (+6.46%) Land $45,262 Building $248,047 |
| 2023 | $2,801.00 (-13.5%) Homeowner's exemption | $110,200 (+6.41%) Land $18,105 Building $92,095 | $275,499 (+6.41%) Land $45,262 Building $230,237 |
| 2022 | $3,238.00 Homeowner's exemption | $103,560 Land $11,465 Building $92,095 | $258,899 Land $28,662 Building $230,237 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 645 Chester Thomas 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 | 7 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 645 Chester Thomas Rd is moderate, ranking above 48% of the US, with a 0.09% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 48% of the US · above 58% of Georgia |
|---|---|
| Wildfire Likelihood | 0.09% 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 1 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Windstream DSL | 10 / 1 |
5G (outdoors only) and 4G LTE
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