707 Union Spring Rd, Clyo, GA 31303 Property Records

Effingham County property record for 707 Union Spring Rd, Clyo, GA 31303

Property Summary

Property Type	Single Family Home
Details	2 ba · 3,406 sqft · built 1991
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$570,000 (Mar 2026)
Tax Bill	$4,048 (2025)
Deeds & Mortgages	Aug 2012 Mortgage Aug 2012 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`04410-007-000`

Property Details

APN / Parcel Number

Primary APN	`04410-007-000`
Alternative APNs	`00960049000` `04410007` `16705`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	3,406 sqft Heated Area
Gross Area	1,584 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1992
Architectural Style	Mobile Home
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Shed Roof
Roof Material	Composition Shingle
Lot Area	217,800 sqft (5 acres)
Garage Type	Carport
Garage Area	735 sqft
Carport	Carport
Carport Area	735 sqft

Exterior Amenities

Porch	Slab
Porch Area	608 sqft
Deck Area	380 sqft
Patio Area	380 sqft
Shed	1 Shed
Shed Area	1,600 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	16705
Street Address	707 UNION SPRING RD
City	CLYO
State	GA
Zip	31303-3833
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR-1
Legal Description	5.00 AC PAR 1 (SPLT 441-7ABC) PLT 29/973
Jurisdiction	EFFINGHAM GA
Township / Civil Division	GUYTON-SPRINGFIELD
Census Block Group	2
Census Block	2001
Census Tract	30206

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	707 UNION SPRING RD, CLYO, GA 31303-3833
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2012	Deed of Trust, Mortgage · Conventional Mortgage BRANCH BANK
Aug 14, 2012	Deed of Trust, Mortgage · Conventional Mortgage BRANCH BANK
Mar 31, 2026	Limited Warranty Deed, Transfer · VA Mortgage MAGNOLIA BANK
Dec 3, 2024	Quit Claim Deed, Transfer Quitclaim
Oct 17, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2026 · Amount on Record
Deed Sale	Mar 31, 2026 · Amount on Record
Prior Sale	Dec 3, 2024
Deed Book / Page	3033 / 445
Prior Transfer Date	Nov 28, 2024
Prior Transfer Doc	002945/435
Record Updated	Oct 29, 2026

August 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	707 UNION SPRING RD, CLYO, GA 31303-3833
Transaction Type	Mortgage
Record Updated	May 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002118/475
Date	Aug 14, 2012
Book Page	2118/475

Lender

Name	BRANCH BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2027

August 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	707 UNION SPRING RD, CLYO, GA 31303-3833
Transaction Type	Mortgage
Record Updated	May 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002118/468
Date	Aug 14, 2012
Book Page	2118/468

Lender

Name	BRANCH BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Sep 1, 2022

March 2026: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Mar 31, 2026
Property Address	707 UNION SPRING RD, CLYO, GA 31303-3833
Document Number	003033/445
Book / Page	3033 / 445
Instrument Date	Mar 30, 2026
Transaction Type	Transfer
Record Updated	May 4, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$5.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	707 UNION SPRING RD, CLYO, GA 31303-3833

Mortgage

Document Number	0003033447
Date	Mar 31, 2026
Instrument	3033/447

Lender

Name	MAGNOLIA BANK

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jan 1, 2056

December 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Dec 3, 2024
Property Address	707 UNION SPRING RD, CLYO, GA 31303-3833
Document Number	002945/435
Book / Page	2945 / 435
Instrument Date	Nov 28, 2024
Transaction Type	Transfer
Record Updated	Dec 22, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	707 UNION SPRING RD, CLYO, GA 31303-3833

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Oct 17, 2022
Property Address	707 UNION SPRING RD, CLYO, GA 31303-3833
Document Number	002822/681
Book / Page	2822 / 681
Instrument Date	Oct 17, 2022
Instrument	2022-003108
Transaction Type	Transfer
Record Updated	Dec 22, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	707 UNION SPRING RD, CLYO, GA 31303-3833

Tax Assessment & Valuation

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		$111,585 (+0.5%) Land $26,826 Building $84,759	$278,962 (+0.5%) Land $67,065 Building $211,897
2025	$4,048.00 (+38.58%)	$111,029 (+7.65%) Land $26,826 Building $84,203	$277,573 (+7.65%) Land $67,065 Building $210,508
2022	$2,921.00 Homeowner's exemption	$103,139 Land $25,709 Building $77,430	$257,848 Land $64,273 Building $193,575

Assessed value is set for property tax purposes, not a market price estimate; it is 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	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

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

Wildfire Risk	Moderate above 51% of the US · above 67% 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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000

Cell Coverage

5G and 4G LTE (outdoors only)

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