104 J Dr, Rincon, GA 31326 Property Records

Effingham County property record for 104 J Dr, Rincon, GA 31326

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,285 sqft · built 2007
Lot Size	0.63 acres (27,443 sqft)
Owner	2 Individual Names on File
Last Sale	$140,000 (Oct 2017)
Tax Bill	$1,922 (2025)
Deeds & Mortgages	Jul 2024 Line of Credit Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0459G-021-000`

Property Details

APN / Parcel Number

Primary APN	`0459G-021-000`
Alternative APNs	`0459G021` `18349`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,285 sqft Heated Area
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2008
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	27,443 sqft (0.63 acres)
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	112 sqft
Deck Area	100 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	18349
Street Address	104 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	.63 AC LOT 21 OUT 459-8
Legal Subdivision	LONG ACRE ESTATES
Legal Block	1
Legal Lot Number	21
Jurisdiction	EFFINGHAM GA
Township / Civil Division	RINCON
Census Block Group	1
Census Block	1000
Census Tract	30303

Owner

104 J Dr is owned and occupied by two individuals who bought it in October 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	104 J DR, RINCON, GA 31326-5688
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2024	Deed of Trust, Mortgage · Line of Credit AMERIS BANK
Oct 11, 2017	Warranty Deed, Transfer · Conventional Mortgage CERTAINTY HOME LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 11, 2017 · Amount on File
Deed Sale	Oct 11, 2017 · Amount on File
Prior Sale	Dec 15, 2008 · Amount on File
Deed Document Number	20172797
Deed Book / Page	2432 / 956
Record Updated	Oct 29, 2026

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	104 J DR, RINCON, GA 31326-5688
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 J DR, RINCON, GA 31326-5688

Mortgage

Document Number	0000002921/0000000743
Date	Jul 24, 2024
Book Page	0000002921/0000000743

Lender

Name	AMERIS BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jan 1, 2039

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Oct 11, 2017
Property Address	104 J DR, RINCON, GA 31326-5688
Document Number	002432/956
Book / Page	2432 / 956
Instrument Date	Oct 11, 2017
Instrument	2017-002797
Transaction Type	Transfer
Record Updated	Mar 22, 2022

Transaction

Amount	Amount 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	104 J DR, RINCON, GA 31326-5688

Mortgage

Document Number	2432/958
Date	Oct 17, 2017
Book Page	2432/958
Instrument	009288

Lender

Name	CERTAINTY HOME LOANS
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 104 J Dr was $1,922 with exemptions applied, up 10.5% from the year before.

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		$110,094 (+5.86%) Land $22,800 Building $87,294	$275,236 (+5.86%) Land $57,000 Building $218,236
2025	$1,922.00 (+10.46%) Homeowner's exemption Senior Citizen's exemption	$104,000 (+7.46%) Land $22,800 Building $81,200	$260,001 (+7.46%) Land $57,000 Building $203,001
2024	$1,740.00 Homeowner's exemption Senior Citizen's exemption	$96,783 Land $22,800 Building $73,983	$241,958 Land $57,000 Building $184,958
2022	$1,559.00 Homeowner's exemption	$63,237 Land $15,200 Building $48,037	$158,093 Land $38,000 Building $120,093

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

FEMA maps place 104 J Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

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 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

Wildfire risk around 104 J Dr is moderate, ranking above 51% of the US, with a 0.09% annual chance of 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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