149 Cypress Dr, Rincon, GA 31326 Property Records

Effingham County property record for 149 Cypress Dr, Rincon, GA 31326

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,688 sqft · built 1988
Lot Size	1.2 acres (52,272 sqft)
Owner	2 Individual Names on File
Last Sale	$452,500 (Jan 2025)
Tax Bill	$4,483 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0465B-074-000`

Property Details

APN / Parcel Number

Primary APN	`0465B-074-000`
Alternative APNs	`0102A074000` `0465B074` `19384`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,688 sqft Heated Area
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2011
Exterior Material	Wood Siding
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Fiberglass
Lot Area	52,272 sqft (1.2 acres)
Garage Area	720 sqft
Porch	Slab
Porch Area	231 sqft
Deck Area	532 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	19384
Street Address	149 CYPRESS DR
City	RINCON
State	GA
Zip	31326-5103
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	1.20 AC LOT 74
Legal Subdivision	SILVERWOOD PLANTATIO
Legal Lot Number	74
Jurisdiction	EFFINGHAM GA
Township / Civil Division	RINCON
Census Block Group	1
Census Block	1012
Census Tract	30308

Owner

149 Cypress Dr is owned and occupied by two individuals who bought it in January 2025.

Source: Effingham County records, as of October 5, 2026

Owner of Record	2 Individual Names on File
Mailing Address	149 CYPRESS DR, RINCON, GA 31326-5103
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2026	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Mar 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 31, 2025 · Amount on File
Deed Sale	Jan 31, 2025 · Amount on File
Deed Document Number	2025671
Deed Book / Page	2953 / 923
Prior Transfer Date	Nov 14, 2006
Prior Transfer Doc	0001555/36
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Recording Date	Aug 27, 2026
Property Address	149 CYPRESS DR, RINCON, GA 31326-5103
Document Number	0000000766
Book / Page	3066 / 225
Instrument Date	Aug 14, 2026
Instrument	2026766
Transaction Type	Mortgage
Record Updated	Oct 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	149 CYPRESS DR, RINCON, GA 31326-5103

Mortgage

Document Number	0000000766,
Date	Aug 27, 2026
Book Page	3066/225
Instrument	2026766

Lender

Name	BANK OF AMERICA

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Max Rate	-1%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	149 CYPRESS DR, RINCON, GA 31326-5103
Transaction Type	Mortgage
Record Updated	Apr 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	149 CYPRESS DR, RINCON, GA 31326-5103

Mortgage

Document Number	0000002666/0000000860
Date	Mar 2, 2021
Book Page	0000002666/0000000860
Instrument	002301

Lender

Name	BANK OF AMERICA

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 149 Cypress Dr was $4,483 with a homeowner's exemption, up 19.8% 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		$175,315 (+13.52%) Land $31,560 Building $143,755	$438,287 (+13.52%) Land $78,900 Building $359,387
2025	$4,483.00 (+19.83%) Homeowner's exemption	$154,434 (+14.76%) Land $31,560 Building $122,874	$386,085 (+14.76%) Land $78,900 Building $307,185
2024	$3,741.00 Homeowner's exemption	$134,568 Land $31,560 Building $103,008	$336,420 Land $78,900 Building $257,520
2022	$3,440.00 Homeowner's exemption	$110,554 Land $28,000 Building $82,554	$276,385 Land $70,000 Building $206,385

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 149 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 149 Cypress Dr is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · lower than 73% 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.

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 78 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

May also be available: Hotwire Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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