Effingham County property record for 112 Stephens Dr, Rincon, GA 31326
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,757 sqft · built 1998 |
| Lot Size | 0.9 acres (39,204 sqft) |
| Owner | Individual Name on File |
| Last Sale | $218,000 (Oct 2018) |
| Tax Bill | $3,200 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage Oct 2018 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0465C-063-000 |
| Primary APN | 0465C-063-000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,757 sqft Heated Area |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Fiberglass |
| Lot Area | 39,204 sqft (0.9 acres) |
| Garage Area | 1,230 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 648 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 350 sqft |
| Canopy | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 19547 |
|---|---|
| Old Parcel Number | 0465C063 |
| Street Address | 112 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 | .90AC LOT 63 |
| Legal Subdivision | WATERFORD |
| Legal Phase | 1 |
| Legal Block | 1 |
| Legal Lot Number | 63 |
| Jurisdiction | EFFINGHAM GA |
| Township / Civil Division | RINCON |
| Census Block Group | 2 |
| Census Block | 2030 |
| Census Tract | 30309 |
Source: Effingham County records · APN 0465C-063-000
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 | 112 STEPHENS DR, RINCON, GA 31326-5428 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 14, 2022 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTY HOME MORTGAGE |
| Oct 05, 2018 | Warranty Deed, Transfer · Conventional Mortgage RENASANT BANK |
| Oct 05, 2018 | Warranty Deed, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 05, 2018 · Amount on Record |
| Deed Sale | Oct 05, 2018 · Amount on Record |
| Deed Document Number | 0002491452 |
| Deed Book / Page | 2491 / 452 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Property Address | 112 STEPHENS DR, RINCON, GA 31326-5428 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2025 |
| Name | Verified Name |
|---|---|
| Address | 112 STEPHENS DR, RINCON, GA 31326-5428 |
| Document Number | 0000002763/0000000628 |
|---|---|
| Date | Feb 14, 2022 |
| Book Page | 0000002763/0000000628 |
| Instrument | 001498 |
| Name | GUARANTY HOME MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Recording Date | Oct 05, 2018 |
| Property Address | 112 STEPHENS DR, RINCON, GA 31326-5428 |
| Document Number | 2491/452 |
| Book / Page | 2491 / 452 |
| Instrument Date | Oct 05, 2018 |
| Instrument | 2018-002696 |
| Transaction Type | Transfer |
| Record Updated | Feb 06, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 112 STEPHENS DR, RINCON, GA 31326-5428 |
| Document Number | 0000002491/0000000454 |
|---|---|
| Date | Oct 05, 2018 |
| Book Page | 0000002491/0000000454 |
| Instrument | 008792 |
| Name | RENASANT BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Recording Date | Oct 05, 2018 |
| Property Address | 112 STEPHENS DR, RINCON, GA 31326-5428 |
| Document Number | 002491/452 |
| Book / Page | 2491 / 452 |
| Instrument Date | Oct 05, 2018 |
| Instrument | 2018-002696 |
| Transaction Type | Transfer |
| Record Updated | Dec 22, 2025 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 112 STEPHENS DR, RINCON, GA 31326-5428 |
Source: Effingham County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Georgia |
| County | Effingham County |
| Unified School District | Effingham County School District (PK - 12) |
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 | $3,200.00 (-4.42%) Homeowner's exemption | $135,773 (-2.15%) Land $31,381 Building $104,392 | $339,432 (-2.15%) Land $78,453 Building $260,979 |
| 2024 | $3,348.00 (-0.21%) Homeowner's exemption | $138,758 (+28.01%) Land $22,800 Building $115,958 | $346,896 (+28.01%) Land $57,000 Building $289,896 |
| 2022 | $3,355.00 Homeowner's exemption | $108,400 Land $18,800 Building $89,600 | $270,999 Land $47,000 Building $223,999 |
Source: FEMA National Flood Hazard Layer as of October 1, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (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 |
May also be available: T-Mobile USA.
Based on FCC filings for 158 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WATERFORD PLANTATION SUBDIVISION private · serves 182 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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