766 Sam Smart Rd, Clyo, GA 31303 Property Records

Effingham County property record for 766 Sam Smart Rd, Clyo, GA 31303

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,428 sqft · built 1989
Lot Size	35 acres (1,524,600 sqft)
Owner	Individual Name on Record
Tax Bill	$1,660 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Feb 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03600-006-000`

Property Details

APN / Parcel Number

Primary APN	`03600-006-000`
Alternative APNs	`00570043000` `03600006` `8125`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,428 sqft Heated Area
Utility Area	60 sqft
Utility Room	Utility Room
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Fiber Cement Siding
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	1,524,600 sqft (35 acres)
Garage Type	Carport
Garage Area	768 sqft
Carport	Carport
Carport Area	768 sqft

Exterior Amenities

Porch	Patio
Porch Area	168 sqft
Deck Area	Deck Area
Patio Area	768 sqft
Utility Building	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	8125
Street Address	766 SAM SMART RD
City	CLYO
State	GA
Zip	31303-2833
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR-1
Legal Description	35.00 AC PAR 1A (SPLT 360-6B&C) 2018 CUVA
Legal Subdivision	JE SIMMONS
Jurisdiction	EFFINGHAM GA
Township / Civil Division	SHAWNEE
Census Block Group	1
Census Block	1018
Census Tract	30100

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	Individual Name on Record
Mailing Address	766 SAM SMART RD, CLYO, GA 31303-2833
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2023	Deed of Trust, Mortgage · Conventional Mortgage FIRST SIGNATURE LENDING
Feb 3, 2023	Quit Claim Deed, Transfer · VA Mortgage FIRST SIGNATURE LENDING
Jul 8, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 10, 1984
Deed Sale	Mar 10, 1984
Deed Book / Page	216 / 570
Last Transfer Date	Feb 3, 2023
Transfer Doc	002831/288
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	766 SAM SMART RD, CLYO, GA 31303-2833
Transaction Type	Mortgage
Record Updated	Nov 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	766 SAM SMART RD, CLYO, GA 31303-2833

Mortgage

Document Number	0000002874/0000000719
Date	Oct 6, 2023
Book Page	0000002874/0000000719

Lender

Name	FIRST SIGNATURE LENDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2053

February 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Feb 3, 2023
Property Address	766 SAM SMART RD, CLYO, GA 31303-2833
Document Number	002831/288
Book / Page	2831 / 288
Instrument Date	Feb 3, 2023
Instrument	2023-000304
Transaction Type	Transfer
Record Updated	Mar 17, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Partial Interest

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	766 SAM SMART RD, CLYO, GA 31303-2833

Mortgage

Document Number	2023001052
Date	Feb 3, 2023
Instrument	2023001052

Lender

Name	FIRST SIGNATURE LENDING

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	371 Months
Due	Jan 1, 2054

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Jul 8, 2021
Property Address	766 SAM SMART RD, CLYO, GA 31303-2833
Document Number	2705/100
Book / Page	2705 / 100
Instrument Date	Jul 8, 2021
Instrument	2021-002245
Transaction Type	Transfer
Record Updated	Jul 16, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Partial Interest

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	766 SAM SMART RD, CLYO, GA 31303-2833

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		$84,485 (+1.93%) Land $32,332 Building $52,153	$211,214 (+1.93%) Land $80,831 Building $130,383
2025	$1,660.00 (-11.56%) Homeowner's exemption Senior Citizen's exemption	$82,888 (+13.1%) Land $30,735 Building $52,153	$207,220 (+13.1%) Land $76,837 Building $130,383
2024	$1,877.00 (+16.01%) Additional exemption filed	$73,288 (-6.57%) Land $30,735 Building $42,553	$183,220 (-6.57%) Land $76,837 Building $106,383
2023	$1,618.00 (-3.86%)	$78,438 (-) Land $46,422 Building $32,016	$196,095 (-) Land $116,054 Building $80,041
2022	$1,683.00	$78,438 Land $46,422 Building $32,016	$196,095 Land $116,054 Building $80,041

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

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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

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

Wildfire Risk	Moderate above 42% of the US · lower than 65% of Georgia
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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