Effingham County property record for 650 Lower Ferry Rd, Clyo, GA 31303
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,152 sqft · built 1985 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $10,100 (Jul 2025) |
| Tax Bill | $1,892 (2025) |
| Deeds & Mortgages | Jul 2025 Foreclosure |
| Flood Zone | Zone X (minimal risk) |
| APN | 04240-059-000 |
| Primary APN | 04240-059-000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,152 sqft Heated Area |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Fiber Cement Siding |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Shed Roof |
| Roof Material | Composition Shingle |
| Lot Area | 43,560 sqft (1 acres) |
| Porch | Slab |
| Porch Area | 100 sqft |
| Account Number | 15049 |
|---|---|
| Street Address | 650 LOWER FERRY RD |
| City | CLYO |
| State | GA |
| Zip | 31303-3726 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AR-1 |
| Legal Description | 1.00 AC |
| Jurisdiction | EFFINGHAM GA |
| Township / Civil Division | GUYTON-SPRINGFIELD |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 30206 |
650 Lower Ferry Rd is owned by two individuals who bought it in July 2025.
Source: Effingham County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 2063, SAVANNAH, GA 31402-2063 |
| 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 Sale | Jul 30, 2025 · Amount on File |
| Deed Sale | Jul 30, 2025 · Amount on File |
| Prior Sale | Jul 23, 2001 · Amount on File |
| Deed Document Number | 20255907 |
| Deed Book / Page | 2987 / 253 |
| Prior Transfer Date | Jul 1, 2025 |
| Prior Transfer Doc | 002987/253 |
| Record Updated | Oct 29, 2026 |
| Document Type | Public Action |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Recording Date | Jul 30, 2025 |
| Property Address | 650 LOWER FERRY RD, CLYO, GA 31303-3726 |
| Document Number | 002987/253 |
| Book / Page | 2987 / 253 |
| Instrument Date | Jul 1, 2025 |
| Instrument | D2025005907 |
| Transaction Type | Foreclosure |
| Record Updated | Sep 29, 2025 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 2063, SAVANNAH, GA 31402-2063 |
The 2025 property tax bill for 650 Lower Ferry Rd was $1,892, up 29.2% 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 | $47,427 (-) Land $18,204 Building $29,223 | $118,569 (-) Land $45,511 Building $73,058 | |
| 2025 | $1,892.00 (+29.23%) | $47,427 (+28.57%) Land $18,204 Building $29,223 | $118,569 (+28.58%) Land $45,511 Building $73,058 |
| 2024 | $1,464.00 (+62.13%) | $36,887 (+87.9%) Land $11,881 Building $25,006 | $92,217 (+87.9%) Land $29,702 Building $62,515 |
| 2023 | $903.00 (+0.89%) | $19,631 (+6.76%) Land $3,312 Building $16,318 | $49,077 (+6.75%) Land $8,281 Building $40,796 |
| 2022 | $895.00 | $18,388 Land $2,070 Building $16,318 | $45,972 Land $5,176 Building $40,796 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 650 Lower Ferry 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 | 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.
Wildfire risk around 650 Lower Ferry Rd is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.
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
Search by:
By searching, you agree to: Terms • Privacy • Disclosures