120 Stephens Dr, Rincon, GA 31326 Property Records

Effingham County property record for 120 Stephens Dr, Rincon, GA 31326

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,729 sqft · built 2001
Lot Size	0.88 acres (38,333 sqft)
Owner	2 Individual Names on Record
Last Sale	$545,000 (Sep 2023)
Tax Bill	$6,692 (2025)
Deeds & Mortgages	Dec 2019 Mortgage Nov 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0465C-059-000`

Property Details

APN / Parcel Number

Primary APN	`0465C-059-000`
Alternative APNs	`0102K059000` `0465C059` `19543`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,729 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2010
Exterior Material	Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Fiberglass
Lot Area	38,333 sqft (0.88 acres)
Garage Area	1,092 sqft

Exterior Amenities

Pool Area	585 sqft
Pool House	224 sqft
Porch	Slab
Porch Area	710 sqft
Deck Area	368 sqft
Patio Area	408 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	19543
Street Address	120 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 59
Legal Subdivision	WATERFORD
Legal Phase	1
Legal Block	I
Legal Lot Number	59
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	120 STEPHENS DR, RINCON, GA 31326-5428
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 18, 2019	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE
Nov 7, 2025	Deed of Trust, Mortgage ROCKET MORTGAGE
Sep 29, 2023	Warranty Deed, Transfer · Conventional Mortgage CMG MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2023 · Amount on Record
Deed Sale	Sep 29, 2023 · Amount on Record
Prior Sale	Aug 14, 2015 · Amount on Record
Deed Document Number	20238090
Deed Book / Page	2873 / 472
Prior Transfer Date	Jun 18, 2008
Prior Transfer Doc	0001766/16
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	120 STEPHENS DR, RINCON, GA 31326-5428
Transaction Type	Mortgage
Record Updated	Dec 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 STEPHENS DR, RINCON, GA 31326-5428

Mortgage

Document Number	0000002563/0000000142
Date	Dec 18, 2019
Book Page	0000002563/0000000142
Instrument	010706

Lender

Name	UNITED WHOLESALE

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2049

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	120 STEPHENS DR, RINCON, GA 31326-5428
Transaction Type	Mortgage
Record Updated	Dec 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 STEPHENS DR, RINCON, GA 31326-5428

Mortgage

Document Number	0000003006/0000000054
Date	Nov 7, 2025
Book Page	0000003006/0000000054

Lender

Name	ROCKET MORTGAGE

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2055

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Sep 29, 2023
Property Address	120 STEPHENS DR, RINCON, GA 31326-5428
Document Number	002873/472
Book / Page	2873 / 472
Instrument Date	Sep 29, 2023
Instrument	D2023008090
Transaction Type	Transfer
Record Updated	Dec 22, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 STEPHENS DR, RINCON, GA 31326-5428

Mortgage

Document Number	0002873474
Date	Sep 29, 2023
Instrument	2873/474

Lender

Name	CMG MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	352 Months
Due	Jan 1, 2053

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		$224,359 (+6.89%) Land $24,270 Building $200,089	$560,896 (+6.89%) Land $60,674 Building $500,222
2025	$6,692.00 (+4.06%) Homeowner's exemption	$209,904 (-16.15%) Land $30,818 Building $179,086	$524,761 (-16.15%) Land $77,045 Building $447,716
2024	$6,431.00 (+339.58%) Homeowner's exemption	$250,329 (+42.42%) Land $22,800 Building $227,529	$625,822 (+42.42%) Land $57,000 Building $568,822
2022	$1,463.00 Homeowner's exemption	$175,767 Land $18,800 Building $156,967	$439,417 Land $47,000 Building $392,417

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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