103 J Dr, Rincon, GA 31326 Property Records

Effingham County property record for 103 J Dr, Rincon, GA 31326

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,300 sqft · built 2007
Lot Size	0.68 acres (29,621 sqft)
Owner	Individual Name on Record
Last Sale	$225,000 (Feb 2022)
Tax Bill	$3,832 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Mar 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0459G-019-000`

Property Details

APN / Parcel Number

Primary APN	`0459G-019-000`
Alternative APNs	`0459G019` `18347`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,300 sqft Heated Area
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2016
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Shed Roof
Roof Material	Composition Shingle
Lot Area	29,621 sqft (0.68 acres)
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	293 sqft
Deck Area	100 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	18347
Street Address	103 J DR
City	RINCON
State	GA
Zip	31326-5688
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	.68 AC LOT 19 (OUT 459-8)
Legal Subdivision	LONG ACRE ESTATES
Legal Phase	1
Legal Block	I
Legal Lot Number	19
Jurisdiction	EFFINGHAM GA
Township / Civil Division	RINCON
Census Block Group	1
Census Block	1000
Census Tract	30303

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	Individual Name on Record
Mailing Address	103 J DR, RINCON, GA 31326-5688
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2022	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA
Mar 12, 2020	Deed of Trust, Mortgage · VA Mortgage FIRST HOME BANK
Mar 20, 2019	Deed of Trust, Mortgage UNIVERSAL MORTGAGE
Feb 23, 2020	Warranty Deed, Transfer
Jun 29, 2018	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 1, 2022 · Amount on Record
Deed Sale	Feb 1, 2022 · Amount on Record
Prior Sale	Jun 29, 2018 · Amount on Record
Deed Document Number	2022253
Deed Book / Page	2760 / 626
Prior Transfer Date	Feb 23, 2020
Prior Transfer Doc	002579/343
Record Updated	Oct 29, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Feb 1, 2022
Property Address	103 J DR, RINCON, GA 31326-5688
Document Number	002760/626
Book / Page	2760 / 626
Instrument Date	Feb 1, 2022
Instrument	2022-000253
Transaction Type	Transfer
Record Updated	Feb 21, 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	103 J DR, RINCON, GA 31326-5688

Mortgage

Document Number	0000002760/0000000628
Date	Feb 1, 2022
Book Page	0000002760/0000000628
Instrument	001031

Lender

Name	BANK OF AMERICA

Agreement

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

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	103 J DR, RINCON, GA 31326-5688
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 J DR, RINCON, GA 31326-5688

Mortgage

Document Number	0000002579/0000000345
Date	Mar 12, 2020
Book Page	0000002579/0000000345
Instrument	002435

Lender

Name	FIRST HOME BANK

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	103 J DR, RINCON, GA 31326-5688
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 J DR, RINCON, GA 31326-5688

Mortgage

Document Number	0000002515/0000000149
Date	Mar 20, 2019
Book Page	0000002515/0000000149
Instrument	002150

Lender

Name	UNIVERSAL MORTGAGE

Agreement

Amount	Amount Recorded
Term	336 Months
Due	Jan 1, 2047

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Feb 23, 2020
Property Address	103 J DR, RINCON, GA 31326-5688
Document Number	002579/343
Book / Page	2579 / 343
Instrument Date	Feb 23, 2020
Instrument	2020-000641
Transaction Type	Transfer
Record Updated	Nov 16, 2022

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	103 J DR, RINCON, GA 31326-5688

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Jun 29, 2018
Property Address	103 J DR, RINCON, GA 31326-5688
Document Number	002475/591
Book / Page	2475 / 591
Instrument Date	Jun 29, 2018
Instrument	2018-001681
Transaction Type	Transfer
Record Updated	Mar 22, 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	103 J DR, RINCON, GA 31326-5688

Mortgage

Document Number	2475/592
Date	Jul 5, 2018
Book Page	2475/592
Instrument	005776

Lender

Name	MORTGAGE RESEARCH CENTER
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2048

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		$112,870 (-) Land $22,800 Building $90,070	$282,176 (-) Land $57,000 Building $225,176
2025	$3,832.00 (+15.49%)	$112,870 (+8.59%) Land $22,800 Building $90,070	$282,176 (+8.59%) Land $57,000 Building $225,176
2024	$3,318.00 (+99.28%)	$103,939 (+52.11%) Land $22,800 Building $81,139	$259,847 (+52.11%) Land $57,000 Building $202,847
2022	$1,665.00 Homeowner's exemption	$68,331 Land $15,200 Building $53,131	$170,828 Land $38,000 Building $132,828

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
Flood Insurance Cost	Premium on Record median of 10 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	1 (2020)
Most Recent Claim	Feb 2020 · other causes

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	0.09% 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 46 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Windstream DSL · Fiber in parts of the area	300 / 20
Starlink Satellite	280 / 30

May also be available: Xfinity.

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