114 Stephens Dr, Rincon, GA 31326 Property Records

Effingham County property record for 114 Stephens Dr, Rincon, GA 31326

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,692 sqft · built 1996
Lot Size	0.88 acres (38,333 sqft)
Owner	2 Individual Names on Record
Last Sale	$214,900 (Jun 2006)
Tax Bill	$3,297 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Mar 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0465C-062-000`

Property Details

APN / Parcel Number

Primary APN	`0465C-062-000`
Alternative APNs	`0102K062000` `0465C062` `19546`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,692 sqft Heated Area
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2002
Exterior Material	Wood Siding
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Fiberglass
Lot Area	38,333 sqft (0.88 acres)
Garage Area	840 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	646 sqft
Deck Area	340 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	19546
Street Address	114 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	.88AC LOT 62
Legal Subdivision	WATERFORD
Legal Phase	1
Legal Block	I
Legal Lot Number	62
Jurisdiction	EFFINGHAM GA
Township / Civil Division	RINCON
Census Block Group	2
Census Block	2030
Census Tract	30309

Owner

Source: Effingham County records, as of September 23, 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	114 STEPHENS DR, RINCON, GA 31326-5428
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE
Mar 31, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Nov 15, 2024	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2006 · Amount on Record
Deed Sale	Jun 30, 2006 · Amount on Record
Deed Document Number	20062218
Deed Book / Page	1478 / 425
Last Transfer Date	Nov 15, 2024
Transfer Doc	002942/506
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	114 STEPHENS DR, RINCON, GA 31326-5428
Transaction Type	Mortgage
Record Updated	Dec 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 STEPHENS DR, RINCON, GA 31326-5428

Mortgage

Document Number	0000002680/0000000319
Date	Apr 14, 2021
Book Page	0000002680/0000000319
Instrument	004466

Lender

Name	FREEDOM MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	252 Months
Due	Jan 1, 2042

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	114 STEPHENS DR, RINCON, GA 31326-5428
Transaction Type	Mortgage
Record Updated	Dec 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 STEPHENS DR, RINCON, GA 31326-5428

Mortgage

Document Number	0000002839/0000000899
Date	Mar 31, 2023
Book Page	0000002839/0000000899
Instrument	002488

Lender

Name	BANK OF AMERICA

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2053

November 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Nov 15, 2024
Property Address	114 STEPHENS DR, RINCON, GA 31326-5428
Document Number	002942/506
Book / Page	2942 / 506
Instrument Date	Nov 15, 2024
Transaction Type	Transfer
Record Updated	Dec 22, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 STEPHENS DR, RINCON, GA 31326-5428

Tax Assessment & Valuation

Source: Effingham County assessment roll, as of December 22, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$125,918 (+13.54%) Land $24,270 Building $101,648	$314,794 (+13.54%) Land $60,674 Building $254,120
2025	$3,297.00 (+7.96%) Homeowner's exemption Senior Citizen's exemption	$110,901 (-11.49%) Land $30,818 Building $80,083	$277,253 (-11.49%) Land $77,045 Building $200,208
2024	$3,054.00 (+5.67%) Homeowner's exemption Senior Citizen's exemption	$125,298 (+29.36%) Land $22,800 Building $102,498	$313,245 (+29.36%) Land $57,000 Building $256,245
2022	$2,890.00 Homeowner's exemption	$96,860 Land $18,800 Building $78,060	$242,151 Land $47,000 Building $195,151

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.

Flood

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.

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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