Effingham County property record for 104 Stephens Dr, Rincon, GA 31326
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,899 sqft · built 1999 |
| Lot Size | 0.55 acres (23,958 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $157,900 (Feb 2001) |
| Tax Bill | $3,394 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0465C-067-000 |
| Primary APN | 0465C-067-000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,899 sqft Heated Area |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Exterior Material | Brick Veneer |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Fiberglass |
| Lot Area | 23,958 sqft (0.55 acres) |
| Garage Area | 484 sqft |
| Pool Area | 512 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 262 sqft |
| Deck Area | 187 sqft |
| Patio Area | 132 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 19551 |
|---|---|
| Old Parcel Number | 0465C067 |
| Street Address | 104 STEPHENS DR |
| City | RINCON |
| State | GA |
| Zip | 31326-5428 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | .55 AC LOT 67 |
| Legal Subdivision | WATERFORD |
| Legal Phase | 1 |
| Legal Block | I |
| Legal Lot Number | 67 |
| Jurisdiction | EFFINGHAM GA |
| Township / Civil Division | RINCON |
| Census Block Group | 2 |
| Census Block | 2030 |
| Census Tract | 30309 |
Source: Effingham County records, as of December 19, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 104 STEPHENS DR, RINCON, GA 31326-5428 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 16, 2001 · Amount on Record |
| Deed Sale | Feb 16, 2001 · Amount on Record |
| Deed Document Number | 0002162001 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Property Address | 104 STEPHENS DR, RINCON, GA 31326-5428 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2025 |
| Name | Verified Name |
|---|---|
| Address | 104 STEPHENS DR, RINCON, GA 31326-5428 |
| Document Number | 0000002611/0000000713 |
|---|---|
| Date | Aug 3, 2020 |
| Book Page | 0000002611/0000000713 |
| Instrument | 007618 |
| Name | QUICKEN LOANS |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2050 |
Source: Effingham County assessment roll, as of July 1, 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 |
|---|---|---|---|
| 2025 | $3,394.00 (+1.8%) Homeowner's exemption | $111,210 (-10.32%) Land $21,835 Building $89,375 | $278,026 (-10.32%) Land $54,588 Building $223,438 |
| 2024 | $3,334.00 (+13.98%) Homeowner's exemption | $124,013 (+33.84%) Land $22,800 Building $101,213 | $310,033 (+33.84%) Land $57,000 Building $253,033 |
| 2022 | $2,925.00 Homeowner's exemption | $92,658 Land $18,800 Building $73,858 | $231,644 Land $47,000 Building $184,644 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 13 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 13 in force |
| Nearby Flood Claims | 1 (2017) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
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 | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
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 | WATERFORD PLANTATION SUBDIVISION private · serves 182 people · EPA ID GA1030103 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 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 114 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| ClearWave Fiber | 7,000 / 7,000 |
| Windstream Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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