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This exceptional two-story home offers over 4,100 square feet of thoughtfully designed living space with 5 bedrooms and 4 full bathrooms. Situated on a private lagoon lot the property provides peaceful water views and added privacy. The spacious floor plan features an inviting open-concept kitchen with granite countertops, stainless steel appliances, abundant cabinetry, and generous gathering space perfect for entertaining. Elegant finishes throughout include hardwood floors, a coffered ceiling in the formal dining room, custom built-ins, and two electric fireplaces that add warmth and character. The main level includes a dedicated study, formal dining room, and a private guest bedroom with a full bath, making it ideal for visitors or multigenerational living. Upstairs, the oversized primary suite offers a spacious retreat complete with a luxurious en-suite bathroom. Additional upgrades include expanded garage storage and numerous thoughtful enhancements throughout the home. Located in the desirable Saddle Club community, residents enjoy amenities including, community pool, tennis courts, playground, walking and biking paths, sidewalks, and lake access. The home is also zoned for highly regarded South Effingham schools. This well-maintained, one-of-a-kind property combines generous living space, quality upgrades, and a sought-after location to create an exceptional place to call home.

Highlights

  • Residential
  • Single Family Residence
  • Built in 2013
  • 0.2 Acre Lot
  • $683/yr HOA
  • Waterfront
  • 2 Car Garage
  • 104 days on Market

  • Bedrooms
    5
  • Bathrooms
    4
  • Year Built
    2013
  • Stories
    2.0
  • Architectural Style
    Traditional
  • Construction Materials
    Brick
  • Garage Spaces
    2.0
  • Parking Features
    Attached, Garage Door Opener
  • Living Area
    4146.0
  • Interior Features
    Pantry, Kitchen Island, Breakfast Bar, Double Vanity
  • Appliances
    Electric Water Heater
  • Pool Features
    Community
  • Cooling
    Electric, Heat Pump
  • Heating
    Electric, Heat Pump

  • Acres
    0.2
  • Lot Features
    Interior Lot
  • Water Front Features
    Lagoon
  • Water Front
    Yes
  • View
    Panoramic
  • Utilities
    Cable Available, Underground Utilities
  • Water
    Public

  • County
    Effingham
  • City
    Guyton
  • Neighborhood
    Saddleclub Belmont
  • Zip Code
    31312

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Frequently Asked Questions

How do I schedule a tour of 106 Broken Bit Cir?

We can make that happen quickly. Click Tour This Home and we'll connect you directly with our vetted local partner to schedule your visit to 106 Broken Bit Cir.

They know residentials in the area well and can give you the guidance you need to buy with confidence.

How do I get more information about 106 Broken Bit Cir?

Click Ask a Question to talk with our team. You already know it is a 5 bed, 4 bath, listed for $499,900. We can talk through recent upgrades, potential seller motivation, how this single family residence compares to others in Guyton, and can even get you in to see the property quickly.

How do I get a virtual tour of 106 Broken Bit Cir?

Yes! A virtual tour is available for 106 Broken Bit Cir. Click here to view the full walkthrough and explore every room at your own pace. If you would like a guided virtual showing or have questions along the way, we can connect you with our local expert to walk you through it live.

How much is the monthly mortgage payment for 106 Broken Bit Cir?

With a 20% down payment and a 30-year fixed loan at an illustrative 6.75% rate, the ez Mortgage Calculator estimates the monthly payment for 106 Broken Bit Cir at around $3,214. This includes estimated property taxes and insurance.

Want to see how this changes with different down payments or interest rates? Jump to the calculator to run the numbers and fine-tune your plan.

How do I get pre-approved to buy 106 Broken Bit Cir?

Stand out in a competitive market by getting pre-approved today. Our quick and private pre-approval process helps you understand your true buying power—no credit pull required to explore all of your options.

Or, let us connect you with our preferred local lender in Effingham County. They will give you all of your available financing options, based on your specific situation and what is available to you.

Can I negotiate the asking price for 106 Broken Bit Cir?

In most cases, yes. Whether 106 Broken Bit Cir is priced competitively or not, your best offer depends on your personal situation, the seller's timeline, and recent activity in Guyton's market. Our preferred local partner will help you craft a strategy—factoring in comparable properties that have sold, timing, and deal structure—to make a smart, strong offer. Click here to ask about negotiation opportunities.

How do I make an offer on 106 Broken Bit Cir?

We can handle that for you. Our preferred local agent specializes in residentials in Guyton and can guide you through every step of the offer process.

You need an expert who is looking out for your best interests. From market valuation to contingencies and timing, they'll help you present a compelling offer that fits your goals. Click Ask a Question to get started today.

What is the price per square foot for this home?

This home is listed at $499,900 with 4,146 sqft of space—that comes out to approximately $121 per square foot.

How long has this property been on the market?

106 Broken Bit Cir was listed on July 26, 2026, which means it's been on the market for 104 days.

Want to keep tabs on it? Click the ♥ to favorite this home and get notified of price drops or changes.

When was this house built?

This home was built in 2013, making it approximately 13 years old.

What is the lot size of this property?

106 Broken Bit Cir sits on a 0.2-acre lot, which is 8,712 square feet.

What are the property taxes for 106 Broken Bit Cir?

The most recent public record shows annual property taxes for 106 Broken Bit Cir were approximately $6,043. This may change with reassessment or exemptions. Our local partner can verify current tax amounts and help you estimate future costs based on your situation.

Is there an HOA fee for this property, and what does it cover?

This home has an HOA fee of $683 paid annually.

Is 106 Broken Bit Cir still available for sale?

Yes, this home is still available! Click the ♥ to favorite it so you don't miss any changes—or ask our local expert to schedule a time to see it in person.

Source: ez Home Search, MLS Data

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Listing information provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed by the MLS. Copyright 2026, Hive MLS. All rights reserved.

Last Updated: November 07, 2026 at 02:44PM | Source: Hive MLS | MLS#: SA360664