Effingham County property record for 118 Crystal Dr, Rincon, GA 31326
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,883 sqft · built 1995 |
| Lot Size | 0.56 acres (24,394 sqft) |
| Owner | Individual Name on File |
| Last Sale | $116,000 (Oct 1995) |
| Tax Bill | $2,895 (2025) |
| Deeds & Mortgages | Aug 2016 Line of Credit Dec 2025 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0465C-013-000 |
| Primary APN | 0465C-013-000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,883 sqft Heated Area |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Brick Veneer |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Fiberglass |
| Lot Area | 24,394 sqft (0.56 acres) |
| Garage Area | 420 sqft |
| Porch | Slab |
| Porch Area | 48 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 19497 |
|---|---|
| Street Address | 118 CRYSTAL DR |
| City | RINCON |
| State | GA |
| Zip | 31326-5664 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | .56AC LOT 13 |
| Legal Subdivision | WATERFORD |
| Legal Block | I |
| Legal Lot Number | 13 |
| Jurisdiction | EFFINGHAM GA |
| Township / Civil Division | RINCON |
| Census Block Group | 2 |
| Census Block | 2031 |
| Census Tract | 30309 |
118 Crystal Dr is owned and occupied by an individual who bought it in October 1995.
Source: Effingham County records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 118 CRYSTAL DR, RINCON, GA 31326-5664 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 18, 2016 | Deed of Trust, Mortgage · Line of Credit HERITAGE BANK |
| Dec 2, 2025 | Deed of Trust, Mortgage GENWAY HOME MORTGAGE |
| Feb 1, 2022 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 17, 1995 · Amount on File |
| Deed Sale | Oct 17, 1995 · Amount on File |
| Deed Book / Page | 393 / 197 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Property Address | 118 CRYSTAL DR, RINCON, GA 31326-5664 |
| Transaction Type | Mortgage |
| Record Updated | Jun 10, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 002362/291 |
|---|---|
| Date | Aug 18, 2016 |
| Book Page | 2362/291 |
| Instrument | 007061 |
| Name | HERITAGE BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Aug 1, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Property Address | 118 CRYSTAL DR, RINCON, GA 31326-5664 |
| Transaction Type | Mortgage |
| Record Updated | Feb 18, 2026 |
| Name | Verified Name |
|---|---|
| Address | 118 CRYSTAL DR, RINCON, GA 31326-5664 |
| Document Number | 0000003010/0000000476 |
|---|---|
| Date | Dec 2, 2025 |
| Book Page | 0000003010/0000000476 |
| Instrument | D2025009578 |
| Name | GENWAY HOME MORTGAGE |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jan 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Property Address | 118 CRYSTAL DR, RINCON, GA 31326-5664 |
| Transaction Type | Mortgage |
| Record Updated | Mar 4, 2022 |
| Name | Verified Name |
|---|---|
| Address | 118 CRYSTAL DR, RINCON, GA 31326-5664 |
| Document Number | 0000002760/0000000351 |
|---|---|
| Date | Feb 1, 2022 |
| Book Page | 0000002760/0000000351 |
| Instrument | 000997 |
| Name | CARDINAL FINANCIAL |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jan 1, 2037 |
The 2025 property tax bill for 118 Crystal Dr was $2,895 with a homeowner's exemption, up 8.1% 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 | $126,849 (+18.96%) Land $18,520 Building $108,329 | $317,121 (+18.96%) Land $46,299 Building $270,822 | |
| 2025 | $2,895.00 (+8.14%) Homeowner's exemption | $106,629 (-10.11%) Land $22,104 Building $84,525 | $266,572 (-10.11%) Land $55,259 Building $211,313 |
| 2024 | $2,677.00 Homeowner's exemption | $118,626 Land $22,800 Building $95,826 | $296,565 Land $57,000 Building $239,565 |
| 2022 | $2,577.00 Homeowner's exemption | $81,105 Land $18,800 Building $62,305 | $202,763 Land $47,000 Building $155,763 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 118 Crystal 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 118 Crystal Dr is low, with a 0.06% annual chance of wildfire.
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 | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
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 | GOSHEN APARTMENTS private · serves 52 people · EPA ID GA1030083 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2025 |
| Lead | 2 ppb (2021–2023) 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 58 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: ClearWave, Planters Rural Telephone Cooperative, T-Mobile.
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