128 Cypress Dr, Rincon, GA 31326 Property Records

Effingham County property record for 128 Cypress Dr, Rincon, GA 31326

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 4,660 sqft · built 1989
Lot Size	1.8 acres (78,408 sqft)
Owner	Individual Name on File
Last Sale	$650,000 (Dec 2025)
Tax Bill	$8,152 (2025)
Deeds & Mortgages	Mar 2021 Mortgage May 2025 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`0465B-035-000`

Property Details

APN / Parcel Number

Primary APN	`0465B-035-000`
Alternative APNs	`0102A035000` `0465B035` `19345`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,660 sqft Heated Area
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2014
Exterior Material	Wood Siding
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Fiberglass
Lot Area	78,408 sqft (1.8 acres)
Garage Area	1,152 sqft

Exterior Amenities

Pool Area	800 sqft
Porch	Slab
Porch Area	36 sqft
Deck Area	883 sqft
Utility Building	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	19345
Street Address	128 CYPRESS DR
City	RINCON
State	GA
Zip	31326-5102
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	1.8 AC LOT 35
Legal Subdivision	SILVERWOOD PLANT
Legal Phase	1
Legal Block	1
Legal Lot Number	35
Jurisdiction	EFFINGHAM GA
Township / Civil Division	RINCON
Census Block Group	1
Census Block	1013
Census Tract	30308

Owner

128 Cypress Dr is owned and occupied by an individual who bought it in December 2025.

Source: Effingham County records, as of September 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	128 CYPRESS DR, RINCON, GA 31326-5102
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANFLIGHT LENDING
May 1, 2025	Deed of Trust, Mortgage AMERIHOME MORTGAGE
Oct 21, 2014	Deed of Trust, Mortgage · Conventional Mortgage SUNTRUST BANK
Dec 31, 2025	Limited Warranty Deed, Transfer COASTAL STATES MORTGAGE
Jul 20, 2023	Limited Warranty Deed, Transfer
Jul 20, 2023	Warranty Deed, Transfer · Conventional Mortgage HOMESPIRE MORTGAGE
Dec 9, 2025	Warranty Deed, Transfer
Jul 11, 2019	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 31, 2025 · Amount on File
Deed Sale	Dec 31, 2025 · Amount on File
Prior Sale	Dec 9, 2025
Deed Book / Page	3016 / 704
Prior Transfer Date	Jul 14, 2023
Prior Transfer Doc	0002861/37
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	128 CYPRESS DR, RINCON, GA 31326-5102
Transaction Type	Mortgage
Record Updated	Feb 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 CYPRESS DR, RINCON, GA 31326-5102

Mortgage

Document Number	0000002671/0000000063
Date	Mar 15, 2021
Book Page	0000002671/0000000063
Instrument	002976

Lender

Name	LOANFLIGHT LENDING

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	128 CYPRESS DR, RINCON, GA 31326-5102
Transaction Type	Mortgage
Record Updated	Feb 2, 2026
Title Company	IAN TITLE, ICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 CYPRESS DR, RINCON, GA 31326-5102

Mortgage

Document Number	0000002970/0000000477
Date	May 1, 2025
Book Page	0000002970/0000000477
Instrument	D2025-003329

Lender

Name	AMERIHOME MORTGAGE

Agreement

Amount	Amount on Record
Term	480 Months
Due	Jan 1, 2065

October 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	128 CYPRESS DR, RINCON, GA 31326-5102
Transaction Type	Mortgage
Record Updated	Feb 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002264/411
Date	Oct 21, 2014
Book Page	2264/411
Instrument	007515

Lender

Name	SUNTRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2044

December 2025: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Dec 31, 2025
Property Address	128 CYPRESS DR, RINCON, GA 31326-5102
Document Number	003016/704
Book / Page	3016 / 704
Instrument Date	Dec 29, 2025
Transaction Type	Transfer
Record Updated	Feb 2, 2026

Transaction

Amount	Amount on Record
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	128 CYPRESS DR, RINCON, GA 31326-5102

Mortgage

Document Number	D2025010513
Date	Dec 31, 2025
Instrument	D2025010513

Lender

Name	COASTAL STATES MORTGAGE

Agreement

Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

July 2023: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Jul 20, 2023
Property Address	128 CYPRESS DR, RINCON, GA 31326-5102
Document Number	0002861/37
Book / Page	2861 / 37
Instrument Date	Jul 14, 2023
Transaction Type	Transfer
Record Updated	Sep 15, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	128 CYPRESS DR, RINCON, GA 31326-5102

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Jul 20, 2023
Property Address	128 CYPRESS DR, RINCON, GA 31326-5102
Document Number	0002861/15
Book / Page	2861 / 15
Instrument Date	Jul 14, 2023
Transaction Type	Transfer
Record Updated	Sep 15, 2023

Transaction

Amount	Amount on Record
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	128 CYPRESS DR, RINCON, GA 31326-5102

Mortgage

Document Number	0000286118
Date	Jul 20, 2023
Instrument	2861/18

Lender

Name	HOMESPIRE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	354 Months
Due	Jan 1, 2053

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Dec 9, 2025
Property Address	128 CYPRESS DR, RINCON, GA 31326-5102
Document Number	003012/375
Book / Page	3012 / 375
Instrument Date	Jul 14, 2023
Instrument	D2025009852
Transaction Type	Transfer
Record Updated	Feb 18, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 CYPRESS DR, RINCON, GA 31326-5102

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Jul 11, 2019
Property Address	128 CYPRESS DR, RINCON, GA 31326-5102
Document Number	002535/497
Book / Page	2535 / 497
Instrument Date	Jul 11, 2019
Instrument	2019-001918
Transaction Type	Transfer
Record Updated	Mar 22, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 CYPRESS DR, RINCON, GA 31326-5102

Mortgage

Document Number	0000002535/0000000498
Date	Jul 18, 2019
Book Page	0000002535/0000000498
Instrument	005945

Lender

Name	BANK OF AMERICA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 128 Cypress Dr was $8,152, up 13.7% from the year before.

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		$258,118 (+1.83%) Land $31,560 Building $226,558	$645,293 (+1.83%) Land $78,900 Building $566,393
2025	$8,152.00 (+13.68%)	$253,491 (-1.18%) Land $31,560 Building $221,931	$633,727 (-1.18%) Land $78,900 Building $554,827
2024	$7,171.00	$256,523 Land $31,560 Building $224,963	$641,307 Land $78,900 Building $562,407
2022	$4,613.00 Homeowner's exemption	$206,272 Land $28,000 Building $178,272	$515,680 Land $70,000 Building $445,680

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

FEMA maps place 128 Cypress Dr in Zone X, an area of minimal flood risk.

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 17 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	17 in force

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

Wildfire risk around 128 Cypress Dr is low, with a 0.05% 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 82% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	RINCON WATER SYSTEM serves 16,654 people · EPA ID GA1030001
Water Source	Purchased surface water from EFFINGHAM COUNTY SURFACE WATER SYSTEM
Last State Inspection	Jan 2024
Lead	1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	26 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 69 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: ClearWave, Planters Rural Telephone Cooperative, Windstream.

128 Cypress Dr, Rincon, GA 31326 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Exterior Amenities

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

March 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

May 2025: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

October 2014: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

December 2025: Limited Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

July 2023: Limited Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

July 2023: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

December 2025: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

July 2019: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Cypress Dr

Nearby Streets

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