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195 High Bluff Rd, Rincon, GA 31326 Property Records

Effingham County property record for 195 High Bluff Rd, Rincon, GA 31326

Property Summary

Property TypeSingle Family Home
Details2 ba · 2,281 sqft · built 1998
Lot Size5.07 acres (220,849 sqft)
OwnerIndividual Name on Record
Last Sale$315,000 (Jan 2014)
Tax Bill$4,060 (2025)
Deeds & MortgagesJul 2024 Line of Credit
Nov 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN04590-080-000

Property Details

APN / Parcel Number

Primary APN04590-080-000
Alternative APNs
  • 00980059000
  • 04590080
  • 18263

Interior

Full Baths2 Baths
Stories1 Story
Building Area2,281 sqft Heated Area
FlooringSoftwood
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1998
Effective Year BuiltEffective 2008
Exterior MaterialVinyl
Foundation TypePier/Post & Beam
Roof TypeShed Roof
Roof MaterialFiberglass
Lot Area220,849 sqft (5.07 acres)
Garage Area572 sqft
Parking Spaces2 Parking Spaces
Pool Area648 sqft
PorchSlab
Porch Area1,271 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number18263
Street Address195 HIGH BLUFF RD
CityRINCON
StateGA
Zip31326-3617
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeAR-1
Legal Description5.07 AC LOT 12
Legal SubdivisionRAVEN
Legal Lot Number12
JurisdictionEFFINGHAM GA
Township / Civil DivisionRINCON
Census Block Group1
Census Block1003
Census Tract30303

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 RecordIndividual Name on Record
Mailing Address195 HIGH BLUFF RD, RINCON, GA 31326-3617
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 26, 2024Deed of Trust, Mortgage · Line of Credit
TRUIST BANK
Nov 18, 2020Deed of Trust, Mortgage · Conventional Mortgage
QUICKEN LOANS

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJan 31, 2014 · Amount on Record
Deed SaleJan 31, 2014 · Amount on Record
Deed Document Number2014188
Deed Book / Page2230 / 896
Prior Transfer DateDec 23, 2008
Prior Transfer Doc001813/333
Record UpdatedOct 29, 2026

July 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionEFFINGHAM GA
Property Address195 HIGH BLUFF RD, RINCON, GA 31326-3617
Transaction TypeMortgage
Record UpdatedDec 15, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address195 HIGH BLUFF RD, RINCON, GA 31326-3617
InvestorPossibly a Property Investor

Mortgage

Document Number0000002922/0000000306
DateJul 26, 2024
Book Page0000002922/0000000306
Lender
NameTRUIST BANK
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueJan 1, 2054

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionEFFINGHAM GA
Property Address195 HIGH BLUFF RD, RINCON, GA 31326-3617
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address195 HIGH BLUFF RD, RINCON, GA 31326-3617

Mortgage

Document Number0000002639/0000000282
DateNov 18, 2020
Book Page0000002639/0000000282
Instrument012106
Lender
NameQUICKEN LOANS
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueJan 1, 2035

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateGeorgia
CountyEffingham County
Unified School DistrictEffingham County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$175,565 (+15.48%) Land $59,476 Building $116,089$438,911 (+15.48%) Land $148,689 Building $290,222
2025$4,060.00 (+7.89%) Homeowner's exemption$152,036 (-3.98%) Land $35,947 Building $116,089$380,090 (-3.98%) Land $89,868 Building $290,222
2024$3,763.00 (+6%) Homeowner's exemption$158,332 (+14.12%) Land $45,798 Building $112,534$395,829 (+14.12%) Land $114,495 Building $281,334
2022$3,550.00 Homeowner's exemption$138,742 Land $32,367 Building $106,375$346,854 Land $80,917 Building $265,937

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 10 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies10 in force
Nearby Flood Claims1 (2020)
Most Recent ClaimFeb 2020 · other causes

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 RiskModerate
above 46% of the US · above 49% of Georgia
Wildfire Likelihood0.08% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Windstream
DSL		300 / 20
Starlink
Satellite		280 / 30

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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