Effingham County property record for 91 Mossy Oak Dr, Springfield, GA 31329
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,210 sqft · built 2013 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $152,900 (Oct 2020) |
| Tax Bill | $2,250 (2025) |
| Deeds & Mortgages | Oct 2020 Second Mortgage Oct 2020 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0428C-304-000 |
| Primary APN | 0428C-304-000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,210 sqft Heated Area |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 12,197 sqft (0.28 acres) |
| Garage Area | 240 sqft |
| Porch | Slab |
| Porch Area | 35 sqft |
| Deck Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 15626 |
|---|---|
| Street Address | 91 MOSSY OAK DR |
| City | SPRINGFIELD |
| State | GA |
| Zip | 31329-6024 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | .28 AC LOT 304 (OUT 428-17) |
| Legal Subdivision | SHADOWBROOK |
| Legal Phase | 3B |
| Legal Block | IIIB |
| Legal Lot Number | 304 |
| Jurisdiction | EFFINGHAM GA |
| Township / Civil Division | GUYTON-SPRINGFIELD |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 30205 |
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 File |
|---|---|
| Mailing Address | 91 MOSSY OAK DR, SPRINGFIELD, GA 31329-6024 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 13, 2020 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage AMERICAN FINANCE |
| Oct 13, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCE |
| Mar 18, 2020 | Deed of Trust, Mortgage · Commercial Mortgage FIRST CHATHAM BANK |
| Feb 22, 2022 | Warranty Deed, Transfer |
| Oct 1, 2020 | Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 1, 2020 · Amount on File |
| Deed Sale | Oct 1, 2020 · Amount on File |
| Prior Sale | Jan 24, 2014 · Amount on File |
| Deed Document Number | 20202870 |
| Deed Book / Page | 2630 / 40 |
| Last Transfer Date | Feb 22, 2022 |
| Transfer Doc | 002766/336 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Property Address | 91 MOSSY OAK DR, SPRINGFIELD, GA 31329-6024 |
| Transaction Type | Mortgage |
| Record Updated | May 13, 2026 |
| Name | Verified Name |
|---|---|
| Address | 91 MOSSY OAK DR, SPRINGFIELD, GA 31329-6024 |
| Document Number | 0000002630/0000000058 |
|---|---|
| Date | Oct 13, 2020 |
| Book Page | 0000002630/0000000058 |
| Instrument | 010538 |
| Name | AMERICAN FINANCE |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Property Address | 91 MOSSY OAK DR, SPRINGFIELD, GA 31329-6024 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2024 |
| Name | Verified Name |
|---|---|
| Address | 91 MOSSY OAK DR, SPRINGFIELD, GA 31329-6024 |
| Document Number | 0000002630/0000000058 |
|---|---|
| Date | Oct 13, 2020 |
| Book Page | 0000002630/0000000058 |
| Instrument | 010538 |
| Name | AMERICAN FINANCE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Property Address | 91 MOSSY OAK DR, SPRINGFIELD, GA 31329-6024 |
| Transaction Type | Mortgage |
| Record Updated | Jun 1, 2023 |
| Name | Verified Name |
|---|---|
| Address | 91 MOSSY OAK DR, SPRINGFIELD, GA 31329-6024 |
| Document Number | 0000002580/0000000646 |
|---|---|
| Date | Mar 18, 2020 |
| Book Page | 0000002580/0000000646 |
| Instrument | 002650 |
| Name | FIRST CHATHAM BANK |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jan 1, 2030 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Recording Date | Feb 22, 2022 |
| Property Address | 91 MOSSY OAK DR, SPRINGFIELD, GA 31329-6024 |
| Document Number | 002766/336 |
| Book / Page | 2766 / 336 |
| Instrument Date | Feb 22, 2022 |
| Instrument | 2022-000462 |
| Transaction Type | Transfer |
| Record Updated | Nov 15, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 91 MOSSY OAK DR, SPRINGFIELD, GA 31329-6024 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Recording Date | Oct 1, 2020 |
| Property Address | 91 MOSSY OAK DR, SPRINGFIELD, GA 31329-6024 |
| Document Number | 0002630/40 |
| Book / Page | 2630 / 40 |
| Instrument Date | Oct 1, 2020 |
| Instrument | 2020-002870 |
| Transaction Type | Transfer |
| Record Updated | Jun 1, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 91 MOSSY OAK DR, SPRINGFIELD, GA 31329-6024 |
| Document Number | 0000002630/0000000042 |
|---|---|
| Date | Oct 13, 2020 |
| Book Page | 0000002630/0000000042 |
| Instrument | 010537 |
| Name | AMERICAN FINANCE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2050 |
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 | $95,631 (-) Land $22,800 Building $72,831 | $239,077 (-) Land $57,000 Building $182,077 | |
| 2025 | $2,250.00 (+10.46%) Homeowner's exemption | $95,631 (+8.09%) Land $22,800 Building $72,831 | $239,077 (+8.09%) Land $57,000 Building $182,077 |
| 2024 | $2,037.00 (+4.35%) Homeowner's exemption | $88,475 (+38.18%) Land $22,800 Building $65,675 | $221,187 (+38.18%) Land $57,000 Building $164,187 |
| 2022 | $1,952.00 Homeowner's exemption | $64,027 Land $15,200 Building $48,827 | $160,067 Land $38,000 Building $122,067 |
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.
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 |
| Flood Insurance Cost | Premium on File median of 14 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 14 in force |
| Nearby Flood Claims | 3 (2024) |
| Most Recent Claim | Aug 2024 · Tropical Storm Debby |
| Claims by Event |
|
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.
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 | 0.07% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SHADOWBROOK SUBDIVISION private · serves 224 people · EPA ID GA1030143 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2025 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 250 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| Windstream DSL · Fiber in parts of the area | 300 / 20 |
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