108 Stephens Dr, Rincon, GA 31326 Property Records

Effingham County property record for 108 Stephens Dr, Rincon, GA 31326 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,697 sqft · built 1999
Lot Size	0.55 acres (23,958 sqft)
Owner	Individual Name on File
Last Sale	$253,000 (Feb 2021)
Tax Bill	$2,851 (2025)
Deeds & Mortgages	Jul 2019 Mortgage Feb 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0465C-065-000`

Property Details

APN / Parcel Number

Primary APN	`0465C-065-000`
Alternative APNs	`0102K065000` `0465C065` `19549`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,697 sqft Heated Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2009
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	483 sqft
Porch	Open Porch
Porch Area	317 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	19549
Old Parcel Number	0465C065
Street Address	108 STEPHENS DR
City	RINCON
State	GA
Zip	31326-5428
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	.55AC LOT 65
Legal Subdivision	WATERFORD
Legal Phase	1
Legal Block	1
Legal Lot Number	65
Jurisdiction	EFFINGHAM GA
Township / Civil Division	RINCON
Census Block Group	2
Census Block	2030
Census Tract	30309

Owner

Source: Effingham County records · APN 0465C-065-000

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	108 STEPHENS DR, RINCON, GA 31326-5428
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2019	Deed of Trust, Mortgage NEW DAY FINANCIAL
Feb 24, 2021	Warranty Deed, Transfer
Oct 06, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 24, 2021 · Amount on Record
Deed Sale	Feb 24, 2021 · Amount on Record
Prior Sale	Oct 06, 2020 · Amount on Record
Deed Document Number	0002682296
Deed Book / Page	2682 / 296
Record Updated	Jun 08, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	108 STEPHENS DR, RINCON, GA 31326-5428
Transaction Type	Mortgage
Record Updated	Dec 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 STEPHENS DR, RINCON, GA 31326-5428

Mortgage

Document Number	0000002537/0000000049
Date	Jul 23, 2019
Book Page	0000002537/0000000049
Instrument	006205

Lender

Name	NEW DAY FINANCIAL

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2049

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Feb 24, 2021
Property Address	108 STEPHENS DR, RINCON, GA 31326-5428
Document Number	002682/296
Book / Page	2682 / 296
Instrument Date	Feb 24, 2021
Instrument	2021-001224
Transaction Type	Transfer
Record Updated	Dec 22, 2025

Transaction

Amount	Amount Recorded
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	108 STEPHENS DR, RINCON, GA 31326-5428

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Oct 06, 2020
Property Address	108 STEPHENS DR, RINCON, GA 31326-5428
Document Number	002665/155
Book / Page	2665 / 155
Instrument Date	Oct 06, 2020
Instrument	2021-000525
Transaction Type	Transfer
Record Updated	Dec 22, 2025

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 STEPHENS DR, RINCON, GA 31326-5428

Tax Assessment & Valuation

Source: Effingham County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Georgia
County	Effingham County
Unified School District	Effingham County School District (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,851.00 (+7.71%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$119,218 (-8.89%) Land $21,835 Building $97,383	$298,045 (-8.89%) Land $54,588 Building $243,457
2024	$2,647.00 (+0.88%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$130,855 (+34.4%) Land $22,800 Building $108,055	$327,138 (+34.4%) Land $57,000 Building $270,138
2022	$2,624.00 Homeowner's exemption	$97,363 Land $18,800 Building $78,563	$243,407 Land $47,000 Building $196,407

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Effingham County (13103C), updated October 1, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 131030303092, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 13 individual NFIP policies nearby
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, rainfall accumulation, Hurricane Irma

Wildfire

Wildfire Risk	Low above 37% of the US · above 16% of Georgia
Wildfire Likelihood	About 1 in 2,381 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 114 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Delta Communications	Fiber	7,000 / 7,000
Uniti Group	Fiber	2,000 / 2,000
Xfinity	Cable	1,200 / 35
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Uniti Group. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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