Effingham County property record for 109 Stephens Dr, Rincon, GA 31326
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,819 sqft · built 1988 |
| Lot Size | 2.53 acres (110,207 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $190,500 (Jan 1999) |
| Tax Bill | $6,720 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 0450B-024-000 |
| Primary APN | 0450B-024-000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,819 sqft Heated Area |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Brick Veneer |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Shed Roof |
| Roof Material | Composition Shingle |
| Lot Area | 110,207 sqft (2.53 acres) |
| Garage Area | 322 sqft |
| Pool Area | 648 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 812 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 17558 |
|---|---|
| Street Address | 109 STEPHENS DR |
| City | RINCON |
| State | GA |
| Zip | 31326-5429 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AR-1 |
| Legal Description | 2.53 AC LOT 24 |
| Legal Subdivision | PINE POINT ESTATE |
| Legal Lot Number | 24 |
| Jurisdiction | EFFINGHAM GA |
| Township / Civil Division | RINCON |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 30309 |
109 Stephens Dr is owned and occupied by two individuals who bought it in January 1999.
Source: Effingham County records, as of September 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 109 STEPHENS DR, RINCON, GA 31326-5429 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 14, 1999 · Amount on File |
| Deed Sale | Jan 14, 1999 · Amount on File |
| Deed Book / Page | 540 / 144 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 109 Stephens Dr was $6,720 with exemptions applied, up 15.9% from the year before.
Source: Effingham County assessment roll, as of December 22, 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 |
|---|---|---|---|
| 2026 | $247,940 (-) Land $78,596 Building $169,344 | $619,849 (-) Land $196,489 Building $423,360 | |
| 2025 | $6,720.00 (+15.92%) Homeowner's exemption Senior Citizen's exemption | $247,940 (+27.09%) Land $78,596 Building $169,344 | $619,849 (+27.09%) Land $196,489 Building $423,360 |
| 2024 | $5,797.00 Homeowner's exemption Senior Citizen's exemption | $195,096 Land $58,392 Building $136,704 | $487,740 Land $145,980 Building $341,760 |
| 2022 | $4,176.00 Homeowner's exemption | $128,940 Land $18,216 Building $110,724 | $322,350 Land $45,540 Building $276,810 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Stephens Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.
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 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.
Wildfire risk around 109 Stephens Dr is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 87% of Georgia |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 158 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| ClearWave Fiber | 7,000 / 7,000 |
| Windstream Fiber | 2,000 / 2,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: T-Mobile.
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