15 Oak Ridge Cir, Rincon, GA 31326 Property Records

Effingham County property record for 15 Oak Ridge Cir, Rincon, GA 31326

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,372 sqft · built 1995
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on Record
Last Sale	$192,000 (Mar 2019)
Tax Bill	$2,569 (2025)
Deeds & Mortgages	Feb 2026 Transfer May 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R2540-029-000`

Property Details

APN / Parcel Number

Primary APN	`R2540-029-000`
Alternative APNs	`0100H029000` `R2540029` `25418`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,372 sqft Heated Area
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2010
Exterior Material	Wood Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,197 sqft (0.28 acres)
Garage Area	506 sqft

Exterior Amenities

Porch	Slab
Porch Area	145 sqft
Deck Area	195 sqft
Patio Area	195 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	25418
Street Address	15 OAK RIDGE CIR
City	RINCON
State	GA
Zip	31326-8809
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-6
Legal Description	.28 AC LOT 29
Legal Subdivision	BENT TREE
Legal Lot Number	29
Jurisdiction	EFFINGHAM GA
Township / Civil Division	RINCON
Census Block Group	3
Census Block	3019
Census Tract	30307

Owner

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	2 Individual Names on Record
Mailing Address	15 OAK RIDGE CIR, RINCON, GA 31326-8809
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 5, 2026	Quit Claim Deed, Transfer Quitclaim
May 20, 2019	Deed of Trust, Mortgage · FHA Mortgage CERTAINTY HOME LOANS
Mar 9, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE
Mar 29, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 29, 2019 · Amount on Record
Deed Sale	Mar 29, 2019 · Amount on Record
Prior Sale	Aug 10, 2004 · Amount on Record
Deed Document Number	2019848
Deed Book / Page	2524 / 767
Last Transfer Date	Feb 3, 2026
Transfer Doc	003022/393
Record Updated	Oct 29, 2026

February 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Feb 5, 2026
Property Address	15 OAK RIDGE CIR, RINCON, GA 31326-8809
Document Number	003022/393
Book / Page	3022 / 393
Instrument Date	Feb 3, 2026
Transaction Type	Transfer
Record Updated	Mar 16, 2026

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	15 OAK RIDGE CIR, RINCON, GA 31326-8809

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	15 OAK RIDGE CIR, RINCON, GA 31326-8809
Transaction Type	Mortgage
Record Updated	Mar 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 OAK RIDGE CIR, RINCON, GA 31326-8809

Mortgage

Document Number	0000002524/0000000769
Date	May 20, 2019
Book Page	0000002524/0000000769
Instrument	004095

Lender

Name	CERTAINTY HOME LOANS

Agreement

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

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	15 OAK RIDGE CIR, RINCON, GA 31326-8809
Transaction Type	Mortgage
Record Updated	Mar 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 OAK RIDGE CIR, RINCON, GA 31326-8809

Mortgage

Document Number	0000002578/0000000037
Date	Mar 9, 2020
Book Page	0000002578/0000000037
Instrument	002213

Lender

Name	FREEDOM MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Jan 1, 2049

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Mar 29, 2019
Property Address	15 OAK RIDGE CIR, RINCON, GA 31326-8809
Document Number	002524/767
Book / Page	2524 / 767
Instrument Date	Mar 29, 2019
Instrument	2019-000848
Transaction Type	Transfer
Record Updated	Mar 22, 2022

Transaction

Amount	Amount Recorded
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	15 OAK RIDGE CIR, RINCON, GA 31326-8809

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$100,005 (+7.15%) Land $22,800 Building $77,205	$250,012 (+7.15%) Land $57,000 Building $193,012
2025	$2,569.00 (-8.02%)	$93,335 (-14.54%) Land $22,800 Building $70,535	$233,337 (-14.54%) Land $57,000 Building $176,337
2024	$2,793.00 (+16.08%)	$109,214 (+19.51%) Land $22,800 Building $86,414	$273,036 (+19.51%) Land $57,000 Building $216,036
2022	$2,406.00	$91,383 Land $17,600 Building $73,783	$228,457 Land $44,000 Building $184,457

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

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 66% of the US · lower than 89% 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	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 243 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
ClearWave Fiber	7,000 / 7,000
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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