23 Oak Ridge Cir, Rincon, GA 31326 Property Records

Effingham County property record for 23 Oak Ridge Cir, Rincon, GA 31326

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,130 sqft · built 1994
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on File
Last Sale	$279,000 (Jul 2020)
Tax Bill	$3,576 (2025)
Deeds & Mortgages	Feb 2017 Line of Credit Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R2540-025-000`

Property Details

APN / Parcel Number

Primary APN	`R2540-025-000`
Alternative APNs	`0100H025000` `R2540025` `25410`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,130 sqft Heated Area
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2010
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,504 sqft (0.31 acres)
Garage Type	Mixed
Garage Area	1,016 sqft
Parking Spaces	3 Parking Spaces
Pool Area	512 sqft
Porch	Slab
Porch Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	25410
Street Address	23 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	.31 AC LOT 25
Legal Subdivision	BENT TREE
Legal Lot Number	25
Jurisdiction	EFFINGHAM GA
Township / Civil Division	RINCON
Census Block Group	3
Census Block	3019
Census Tract	30307

Owner

23 Oak Ridge Cir is owned and occupied by two individuals who bought it in July 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	23 OAK RIDGE CIR, RINCON, GA 31326-8809
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
Feb 14, 2017	Deed of Trust, Mortgage · Line of Credit FIRST CHATHAM BANK EMPLOYEE LOAN
Jul 17, 2020	Warranty Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2020 · Amount on File
Deed Sale	Jul 17, 2020 · Amount on File
Prior Sale	Apr 15, 2014 · Amount on File
Deed Document Number	20201967
Deed Book / Page	2609 / 290
Prior Transfer Date	Feb 13, 2012
Prior Transfer Doc	002076/474
Record Updated	Oct 29, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	23 OAK RIDGE CIR, RINCON, GA 31326-8809
Transaction Type	Mortgage
Record Updated	Jun 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002390/140
Date	Feb 14, 2017
Book Page	2390/140
Instrument	001272

Lender

Name	FIRST CHATHAM BANK EMPLOYEE LOAN
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Mar 1, 2027

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Jul 17, 2020
Property Address	23 OAK RIDGE CIR, RINCON, GA 31326-8809
Document Number	002609/290
Book / Page	2609 / 290
Instrument Date	Jul 17, 2020
Instrument	2020-001967
Transaction Type	Transfer
Record Updated	Aug 3, 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	23 OAK RIDGE CIR, RINCON, GA 31326-8809

Mortgage

Document Number	0000002609/0000000292
Date	Jul 24, 2020
Book Page	0000002609/0000000292
Instrument	007280

Lender

Name	BROKER SOLUTIONS

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 23 Oak Ridge Cir was $3,576 with a homeowner's exemption, up 7.6% from the year before.

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		$151,387 (-4.37%) Land $22,800 Building $128,587	$378,466 (-4.37%) Land $57,000 Building $321,466
2025	$3,576.00 (+7.65%) Homeowner's exemption	$158,304 (-2.38%) Land $22,800 Building $135,504	$395,761 (-2.38%) Land $57,000 Building $338,761
2024	$3,322.00 Homeowner's exemption	$162,157 Land $22,800 Building $139,357	$405,392 Land $57,000 Building $348,392
2022	$3,389.00	$128,744 Land $17,600 Building $111,144	$321,861 Land $44,000 Building $277,861

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 23 Oak Ridge Cir 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 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

Wildfire risk around 23 Oak Ridge Cir is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 85% of Georgia
Wildfire Likelihood	0.05% 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 147 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Oak Ridge Cir

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