198 Coldbrook Cir, Rincon, GA 31326 Property Records

Effingham County property record for 198 Coldbrook Cir, Rincon, GA 31326

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,131 sqft · built 2006
Lot Size	1.45 acres (63,162 sqft)
Owner	2 Individual Names on File
Last Sale	$270,000 (Jul 2019)
Tax Bill	$4,007 (2025)
Deeds & Mortgages	Jul 2019 Mortgage Apr 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0435E-052-000`

Property Details

APN / Parcel Number

Primary APN	`0435E-052-000`
Alternative APNs	`0092B052000` `0435E052` `16321`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,131 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2008
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Shed Roof
Roof Material	Fiberglass
Lot Area	63,162 sqft (1.45 acres)
Garage Area	672 sqft

Exterior Amenities

Porch	Slab
Porch Area	239 sqft
Patio Area	224 sqft
Utility Building	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	16321
Street Address	198 COLDBROOK CIR
City	RINCON
State	GA
Zip	31326-5636
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR-1
Legal Description	1.45 AC LOT 52
Legal Subdivision	COLDBROOK HEIGHTS
Legal Phase	3
Legal Block	3
Legal Lot Number	52
Jurisdiction	EFFINGHAM GA
Township / Civil Division	RINCON
Census Block Group	1
Census Block	1000
Census Tract	30301

Owner

198 Coldbrook Cir is owned and occupied by two individuals who bought it in July 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	198 COLDBROOK CIR, RINCON, GA 31326-5636
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
Jul 24, 2019	Deed of Trust, Mortgage NBKC BANK
Apr 10, 2020	Deed of Trust, Mortgage · VA Mortgage BROKER SOLUTIONS
Jul 18, 2019	Warranty Deed, Transfer
Jul 18, 2019	Limited Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 18, 2019 · Amount on File
Deed Sale	Jul 18, 2019 · Amount on File
Prior Sale	Jul 6, 2006 · Amount on File
Deed Document Number	20191964
Deed Book / Page	2536 / 397
Record Updated	Oct 29, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	198 COLDBROOK CIR, RINCON, GA 31326-5636
Transaction Type	Mortgage
Record Updated	Aug 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	198 COLDBROOK CIR, RINCON, GA 31326-5636

Mortgage

Document Number	0000002536/0000000398
Date	Jul 24, 2019
Book Page	0000002536/0000000398
Instrument	006089

Lender

Name	NBKC BANK

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2049

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	198 COLDBROOK CIR, RINCON, GA 31326-5636
Transaction Type	Mortgage
Record Updated	Aug 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	198 COLDBROOK CIR, RINCON, GA 31326-5636

Mortgage

Document Number	0000002585/0000000338
Date	Apr 10, 2020
Book Page	0000002585/0000000338
Instrument	003377

Lender

Name	BROKER SOLUTIONS

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2050

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Jul 18, 2019
Property Address	198 COLDBROOK CIR, RINCON, GA 31326-5636
Document Number	002536/397
Book / Page	2536 / 397
Instrument Date	Jul 18, 2019
Instrument	2019-001964
Transaction Type	Transfer
Record Updated	Aug 3, 2022

Transaction

Amount	Amount 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	198 COLDBROOK CIR, RINCON, GA 31326-5636

July 2019: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Jul 18, 2019
Property Address	198 COLDBROOK CIR, RINCON, GA 31326-5636
Document Number	002536/417
Book / Page	2536 / 417
Instrument Date	Jul 18, 2019
Instrument	2019-001978
Transaction Type	Transfer
Record Updated	Aug 3, 2022

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	198 COLDBROOK CIR, RINCON, GA 31326-5636

Tax Assessment & Valuation

The 2025 property tax bill for 198 Coldbrook Cir was $4,007 with a homeowner's exemption, up 10.8% 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		$161,960 (+4.1%) Land $22,800 Building $139,160	$404,898 (+4.1%) Land $57,000 Building $347,898
2025	$4,007.00 (+10.84%) Homeowner's exemption	$155,584 (+2.86%) Land $22,800 Building $132,784	$388,961 (+2.87%) Land $57,000 Building $331,961
2024	$3,615.00 Homeowner's exemption	$151,251 Land $22,800 Building $128,451	$378,127 Land $57,000 Building $321,127
2022	$3,254.00 Homeowner's exemption	$107,919 Land $18,000 Building $89,919	$269,798 Land $45,000 Building $224,798

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 198 Coldbrook Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2016 · Hurricane Matthew

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 198 Coldbrook Cir is moderate, ranking above 42% 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 42% of the US · lower than 65% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 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: Planters Rural Telephone Cooperative.

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