653 Lower Ferry Rd, Clyo, GA 31303 Property Records

Effingham County property record for 653 Lower Ferry Rd, Clyo, GA 31303

Property Summary

Property Type	Mobile Home
Details	1,064 sqft · built 1994
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$16,500 (Jun 2017)
Tax Bill	$733 (2025)
Deeds & Mortgages	Jun 2017 Sale & Mortgage Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04240-006-000`

Property Details

APN / Parcel Number

Primary APN	`04240-006-000`
Alternative APNs	`00850058000` `04240006` `15000`

Interior

Stories	1 Story
Building Area	1,064 sqft Gross Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Mobile/Manufactured
Lot Area	43,560 sqft (1 acres)
Total Buildings	2 Buildings

Location & Zoning

Account Number	15000
Street Address	653 LOWER FERRY RD
City	CLYO
State	GA
Zip	31303-3729
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile 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	1024
Census Tract	30206

Owner

653 Lower Ferry Rd, a mobile home, is owned and occupied by an individual who bought it in June 2017.

Source: Effingham County records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	653 LOWER FERRY RD, CLYO, GA 31303-3729
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2017	Warranty Deed, Transfer · Conventional Mortgage GLENNVILLE BANK
Jun 30, 2017	Warranty Deed, Transfer GLENNVILLE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2017 · Amount on File
Deed Sale	Jun 30, 2017 · Amount on File
Deed Document Number	20171725
Deed Book / Page	2414 / 367
Record Updated	Oct 29, 2026

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Jun 30, 2017
Property Address	653 LOWER FERRY RD, CLYO, GA 31303-3729
Document Number	002414/367
Book / Page	2414 / 367
Instrument Date	Jun 30, 2017
Instrument	2017-001725
Transaction Type	Transfer
Record Updated	Mar 22, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	653 LOWER FERRY RD, CLYO, GA 31303-3729

Mortgage

Document Number	2414/369
Date	Jul 5, 2017
Book Page	2414/369
Instrument	005959

Lender

Name	GLENNVILLE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Jul 1, 2022

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Jun 30, 2017
Property Address	653 LOWER FERRY RD, CLYO, GA 31303-3729
Document Number	002414/367
Book / Page	2414 / 367
Instrument Date	Jun 30, 2017
Instrument	2017-001725
Transaction Type	Transfer
Record Updated	Nov 5, 2024

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	653 LOWER FERRY RD, CLYO, GA 31303-3729

Mortgage

Document Number	002414/369
Date	Jul 5, 2017
Book Page	2414/369
Instrument	005959

Lender

Name	GLENNVILLE BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	60 Months
Due	Jul 1, 2022

Tax Assessment & Valuation

The 2025 property tax bill for 653 Lower Ferry Rd was $733 with a homeowner's exemption, up 10.6% from the year before.

Source: Effingham County assessment roll, as of December 22, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$28,032 (+0.58%) Land $18,204 Building $9,828	$70,081 (+0.58%) Land $45,511 Building $24,570
2025	$733.00 (+10.56%) Homeowner's exemption	$27,869 (+29.35%) Land $18,204 Building $9,665	$69,674 (+29.35%) Land $45,511 Building $24,163
2024	$663.00 Homeowner's exemption	$21,546 Land $11,881 Building $9,665	$53,865 Land $29,702 Building $24,163
2022	$295.00 Homeowner's exemption	$10,421 Land $2,070 Building $8,351	$26,054 Land $5,176 Building $20,878

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

Flood

FEMA maps place 653 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

Wildfire risk around 653 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.

Internet Providers

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.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Lower Ferry Rd

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