Effingham County property record for 110 Stephens Dr, Rincon, GA 31326
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,503 sqft · built 1994 |
| Lot Size | 3.05 acres (132,858 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $492,800 (Mar 2024) |
| Tax Bill | $5,223 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Jul 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0465C-064-000 |
| Primary APN | 0465C-064-000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,503 sqft Heated Area |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 132,858 sqft (3.05 acres) |
| Garage Type | Detached |
| Garage Area | 792 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 648 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 36 sqft |
| Deck Area | 360 sqft |
| Patio Area | 360 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 19548 |
|---|---|
| Street Address | 110 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 | 3.05 AC LOT 64 |
| Legal Subdivision | WATERFORD |
| Legal Phase | 1 |
| Legal Block | I |
| Legal Lot Number | 64 |
| Jurisdiction | EFFINGHAM GA |
| Township / Civil Division | RINCON |
| Census Block Group | 2 |
| Census Block | 2030 |
| Census Tract | 30309 |
Source: Effingham County records, as of August 14, 2026
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 | 110 STEPHENS DR, RINCON, GA 31326-5428 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 16, 2026 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE |
| Jul 15, 2022 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Mar 29, 2024 | Limited Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 29, 2024 · Amount on Record |
| Deed Sale | Mar 29, 2024 · Amount on Record |
| Prior Sale | Apr 30, 2007 · Amount on Record |
| Deed Document Number | 20242280 |
| Deed Book / Page | 2902 / 74 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Recording Date | Apr 16, 2026 |
| Property Address | 110 STEPHENS DR, RINCON, GA 31326-5428 |
| Document Number | 0000003037/0000000699 |
| Book / Page | 3037 / 699 |
| Instrument Date | Apr 11, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 110 STEPHENS DR, RINCON, GA 31326-5428 |
| Document Number | 3037000699, |
|---|---|
| Date | Apr 16, 2026 |
| Book Page | 3037/699 |
| Name | ROCKET MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Property Address | 110 STEPHENS DR, RINCON, GA 31326-5428 |
| Transaction Type | Mortgage |
| Record Updated | Feb 3, 2026 |
| Name | Verified Name |
|---|---|
| Address | 110 STEPHENS DR, RINCON, GA 31326-5428 |
| Investor | Possibly a Property Investor |
| Document Number | 0000002796/0000000184 |
|---|---|
| Date | Jul 15, 2022 |
| Book Page | 0000002796/0000000184 |
| Instrument | 007203 |
| Name | BANK OF AMERICA |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2052 |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Recording Date | Mar 29, 2024 |
| Property Address | 110 STEPHENS DR, RINCON, GA 31326-5428 |
| Document Number | 0002902/74 |
| Book / Page | 2902 / 74 |
| Instrument Date | Mar 29, 2024 |
| Instrument | D2024-002280 |
| Transaction Type | Transfer |
| Record Updated | Dec 22, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 110 STEPHENS DR, RINCON, GA 31326-5428 |
| Document Number | 0000290276 |
|---|---|
| Date | Mar 29, 2024 |
| Instrument | 2902/76 |
| Name | GUILD MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Jan 1, 2054 |
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 |
|---|---|---|---|
| 2025 | $5,223.00 (+39.09%) Homeowner's exemption | $200,327 (+25.24%) Land $69,613 Building $130,714 | $500,818 (+25.24%) Land $174,032 Building $326,786 |
| 2024 | $3,755.00 (+9.7%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $159,956 (+33.27%) Land $25,650 Building $134,306 | $399,890 (+33.27%) Land $64,125 Building $335,765 |
| 2022 | $3,423.00 Homeowner's exemption | $120,028 Land $21,150 Building $98,878 | $300,070 Land $52,875 Building $247,195 |
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.
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 | Low lower than 62% of the US · lower than 80% of Georgia |
|---|---|
| Wildfire Likelihood | 0.05% 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 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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