7 Oak Aly, Guyton, GA 31312 Property Records

Effingham County property record for 7 Oak Aly, Guyton, GA 31312

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,500 sqft · built 2020
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$430,000 (Sep 2024)
Tax Bill	$5,042 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Jul 2022 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`G0210-224-000`

Property Details

APN / Parcel Number

Primary APN	`G0210-224-000`
Alternative APNs	`G0210001000` `G0210224` `22285`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,500 sqft Heated Area
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2021
Exterior Material	Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Fiberglass
Lot Area	10,019 sqft (0.23 acres)
Garage Area	300 sqft
Porch	Slab
Porch Area	276 sqft
Deck Area	528 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	22285
Street Address	7 OAK ALY
City	GUYTON
State	GA
Zip	31312-5389
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	.23 AC LOT 224 (OUT G21-1A)
Legal Subdivision	MOSSY HOLLOW
Legal Lot Number	224
Jurisdiction	EFFINGHAM GA
Township / Civil Division	GUYTON-SPRINGFIELD
Census Block Group	4
Census Block	4058
Census Tract	30204

Owner

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	7 OAK ALY, GUYTON, GA 31312-5389
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2022	Deed of Trust, Mortgage · Conventional Mortgage NORTH AMERICA SAVINGS BANK
Jul 6, 2022	Warranty Deed, Transfer
Jul 6, 2022	Warranty Deed, Transfer · Conventional Mortgage NORTH AMERICA SAVINGS BANK
Jun 11, 2021	Warranty Deed, Subdivision Related Transfer · FHA Mortgage BROKER SOLUTIONS
Nov 30, 2020	Warranty Deed, Construction Loan · Stand-Alone First Mortgage SOUTH STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2024 · Amount on Record
Deed Sale	Sep 10, 2024 · Amount on Record
Prior Sale	Jul 29, 2022 · Amount on Record
Deed Book / Page	2930 / 480
Prior Transfer Date	Aug 30, 2024
Prior Transfer Doc	002930/499
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	7 OAK ALY, GUYTON, GA 31312-5389
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 OAK ALY, GUYTON, GA 31312-5389

Mortgage

Document Number	0000002799/0000000873
Date	Jul 29, 2022
Book Page	0000002799/0000000873
Instrument	007844

Lender

Name	NORTH AMERICA SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Jul 6, 2022
Property Address	7 OAK ALY, GUYTON, GA 31312-5389
Document Number	002799/871
Book / Page	2799 / 871
Instrument Date	Jul 6, 2022
Instrument	2022-002174
Transaction Type	Transfer
Record Updated	Nov 30, 2022

Transaction

Amount	Amount Recorded
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	7 OAK ALY, GUYTON, GA 31312-5389

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Jul 6, 2022
Property Address	7 OAK ALY, GUYTON, GA 31312-5389
Document Number	002799/871
Book / Page	2799 / 871
Instrument Date	Jul 6, 2022
Instrument	2022-002174
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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	7 OAK ALY, GUYTON, GA 31312-5389

Mortgage

Document Number	0000007844
Date	Jul 6, 2022
Instrument	007844

Lender

Name	NORTH AMERICA SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	354 Months
Due	Jan 1, 2052

June 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Jun 11, 2021
Property Address	7 OAK ALY, GUYTON, GA 31312-5389
Document Number	002697/423
Book / Page	2697 / 423
Instrument Date	Jun 11, 2021
Instrument	2021-001923
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 30, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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	7 OAK ALY, GUYTON, GA 31312-5389
Investor	Possibly a Property Investor

Mortgage

Document Number	0000002697/0000000425
Date	Jun 14, 2021
Book Page	0000002697/0000000425
Instrument	007086

Lender

Name	BROKER SOLUTIONS

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

November 2020: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Nov 30, 2020
Property Address	7 OAK ALY, GUYTON, GA 31312-5389
Document Number	002642/633
Book / Page	2642 / 633
Instrument Date	Nov 30, 2020
Instrument	2020-003473
Transaction Type	Construction Loan
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
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	PO BOX 212428, AUGUSTA, GA 30917-2428

Mortgage

Document Number	0000002642/0000000634
Date	Dec 2, 2020
Book Page	0000002642/0000000634
Instrument	012575

Lender

Name	SOUTH STATE BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jan 1, 2021

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$177,962 (+8.28%) Land $17,600 Building $160,362	$444,905 (+8.28%) Land $44,000 Building $400,905
2025	$5,042.00 (+7.05%) Homeowner's exemption	$164,352 (+4.65%) Land $17,600 Building $146,752	$410,879 (+4.65%) Land $44,000 Building $366,879
2024	$4,710.00 (+27.88%)	$157,055 (+33.11%) Land $17,600 Building $139,455	$392,638 (+33.11%) Land $44,000 Building $348,638
2022	$3,683.00	$117,986 Land $14,800 Building $103,186	$294,965 Land $37,000 Building $257,965

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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	8 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · lower than 73% of Georgia
Wildfire Likelihood	0.06% 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 79 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	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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