203 Discovery Ln, Rincon, GA 31326 Property Records

Effingham County property record for 203 Discovery Ln, Rincon, GA 31326

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,770 sqft · built 2003
Lot Size	0.58 acres (25,265 sqft)
Owner	Individual Name on File
Last Sale	$335,100 (Sep 2022)
Tax Bill	$3,927 (2025)
Deeds & Mortgages	Jun 2005 Mortgage Jan 2011 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`0434A-051-000`

Property Details

APN / Parcel Number

Primary APN	`0434A-051-000`
Alternative APNs	`0092N051000` `0434A051` `15939`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,770 sqft Heated Area
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2012
Exterior Material	Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Shed Roof
Roof Material	Fiberglass
Lot Area	25,265 sqft (0.58 acres)
Garage Area	400 sqft

Exterior Amenities

Porch	Slab
Porch Area	90 sqft
Deck Area	207 sqft
Patio Area	207 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	15939
Street Address	203 DISCOVERY LN
City	RINCON
State	GA
Zip	31326-5651
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	.58 AC LOT 51 (OUT 92-2)
Legal Subdivision	JAMESTOWN
Legal Lot Number	51
Jurisdiction	EFFINGHAM GA
Township / Civil Division	RINCON
Census Block Group	4
Census Block	4034
Census Tract	30301

Owner

203 Discovery Ln is owned and occupied by an individual who bought it in September 2022.

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

Owner of Record	Individual Name on File
Mailing Address	203 DISCOVERY LN, RINCON, GA 31326-5651
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
Jun 13, 2005	Deed of Trust, Mortgage · Conventional Mortgage CITIFINANCIAL SERVICES INC
Jan 3, 2011	Deed of Trust, Mortgage · VA Mortgage MORTGAGE INVESTORS CORP
Sep 16, 2022	Warranty Deed, Transfer · FHA Mortgage TOWNE MORTGAGE OF THE CAROLINAS
Sep 16, 2022	Warranty Deed, Transfer · FHA Mortgage TOWNE MORTGAGE OF THE CAROLINAS
Jun 30, 2020	Warranty Deed, Transfer
Jun 30, 2020	Warranty Deed, Transfer · VA Mortgage LOAN DEPOT COM

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 28, 2022 · Amount on File
Deed Sale	Sep 28, 2022 · Amount on File
Prior Sale	Jun 30, 2020 · Amount on File
Deed Document Number	20222856
Deed Book / Page	2810 / 940
Record Updated	Oct 29, 2026

June 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	203 DISCOVERY LN, RINCON, GA 31326-5651
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001287/475
Date	Jun 13, 2005
Book Page	1287/475

Lender

Name	CITIFINANCIAL SERVICES INC
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 1, 2020

January 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	203 DISCOVERY LN, RINCON, GA 31326-5651
Transaction Type	Mortgage
Record Updated	Apr 2, 2026
Title Company	NATIONAL TITLE NE, NATIONAL TITLE NETWORK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001987/154
Date	Jan 3, 2011
Book Page	1987/154

Lender

Name	MORTGAGE INVESTORS CORP
Type	Mortgage Company
Address	SAINT PETERSBURG, FL 33707

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2041

Interest

Rate Type	Fixed Rate
Rate	3%
Type Change Date	Apr 1, 2014
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	4%
Index	1-Year T-Bill
Margin	2
Max Rate	8%

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Sep 16, 2022
Property Address	203 DISCOVERY LN, RINCON, GA 31326-5651
Document Number	002810/940
Book / Page	2810 / 940
Instrument Date	Sep 16, 2022
Instrument	2022-002856
Transaction Type	Transfer
Record Updated	Nov 30, 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	203 DISCOVERY LN, RINCON, GA 31326-5651

Mortgage

Document Number	0000002810/0000000942
Date	Sep 28, 2022
Book Page	0000002810/0000000942
Instrument	009778

Lender

Name	TOWNE MORTGAGE OF THE CAROLINAS

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Sep 16, 2022
Property Address	203 DISCOVERY LN, RINCON, GA 31326-5651
Document Number	002810/940
Book / Page	2810 / 940
Instrument Date	Sep 16, 2022
Instrument	2022-002856
Transaction Type	Transfer
Record Updated	Apr 2, 2026

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	203 DISCOVERY LN, RINCON, GA 31326-5651

Mortgage

Document Number	0000009778
Date	Sep 16, 2022
Instrument	009778

Lender

Name	TOWNE MORTGAGE OF THE CAROLINAS

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	352 Months
Due	Jan 1, 2052

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Jun 30, 2020
Property Address	203 DISCOVERY LN, RINCON, GA 31326-5651
Document Number	002603/541
Book / Page	2603 / 541
Instrument Date	Jun 30, 2020
Instrument	2020-001773
Transaction Type	Transfer
Record Updated	Nov 30, 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	203 DISCOVERY LN, RINCON, GA 31326-5651

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Jun 30, 2020
Property Address	203 DISCOVERY LN, RINCON, GA 31326-5651
Document Number	002603/540
Book / Page	2603 / 540
Instrument Date	Jun 30, 2020
Instrument	2020-001772
Transaction Type	Transfer
Record Updated	Nov 30, 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	203 DISCOVERY LN, RINCON, GA 31326-5651

Mortgage

Document Number	0000002603/0000000543
Date	Jul 2, 2020
Book Page	0000002603/0000000543
Instrument	006376

Lender

Name	LOAN DEPOT COM

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 203 Discovery Ln was $3,927 with a homeowner's exemption, up 10.7% 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		$115,478 (-18.52%) Land $22,800 Building $92,678	$288,696 (-18.52%) Land $57,000 Building $231,696
2025	$3,927.00 (+10.65%) Homeowner's exemption	$141,728 (+8.43%) Land $22,800 Building $118,928	$354,320 (+8.43%) Land $57,000 Building $297,320
2024	$3,549.00 Homeowner's exemption	$130,706 Land $22,800 Building $107,906	$326,766 Land $57,000 Building $269,766
2022	$3,113.00	$96,471 Land $18,000 Building $78,471	$241,178 Land $45,000 Building $196,178

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 203 Discovery Ln 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 22 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	22 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 203 Discovery Ln is moderate, ranking above 40% of the US, with a 0.05% 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	0.05% annual chance
Exposure	Indirect within ember reach

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 51 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
ClearWave Fiber	7,000 / 7,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
Windstream DSL	100 / 20

May also be available: Hotwire Communications.

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