237 Saint Andrews Rd, Rincon, GA 31326 Property Records

Effingham County property record for 237 Saint Andrews Rd, Rincon, GA 31326

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,520 sqft · built 2006
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on Record
Last Sale	$360,000 (May 2022)
Tax Bill	$3,710 (2025)
Deeds & Mortgages	Mar 2024 Second Mortgage Sep 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`R2470-294-000`

Property Details

APN / Parcel Number

Primary APN	`R2470-294-000`
Alternative APNs	`0101K294000` `R2470294` `24699`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	2,520 sqft Heated Area
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2007
Exterior Material	Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Fiberglass
Lot Area	14,375 sqft (0.33 acres)
Garage Area	620 sqft
Porch	Slab
Porch Area	150 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	24699
Street Address	237 SAINT ANDREWS RD
City	RINCON
State	GA
Zip	31326-4719
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	.33 AC LOT 294
Legal Subdivision	LOST PLANTATION
Legal Phase	H
Legal Block	H
Legal Lot Number	294
Jurisdiction	EFFINGHAM GA
Township / Civil Division	RINCON
Census Block Group	2
Census Block	2008
Census Tract	30308

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 Record	2 Individual Names on Record
Mailing Address	237 SAINT ANDREWS RD, RINCON, GA 31326-4719
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 26, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Sep 23, 2020	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES
May 16, 2022	Warranty Deed, Transfer · Conventional Mortgage FLAGSTAR BANK
Dec 14, 2021	Warranty Deed, Transfer
Sep 18, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2022 · Amount on Record
Deed Sale	May 23, 2022 · Amount on Record
Prior Sale	Sep 18, 2020 · Amount on Record
Deed Document Number	20221445
Deed Book / Page	2785 / 496
Prior Transfer Date	Dec 14, 2021
Prior Transfer Doc	2021004064
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	237 SAINT ANDREWS RD, RINCON, GA 31326-4719
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	237 SAINT ANDREWS RD, RINCON, GA 31326-4719

Mortgage

Document Number	0000002901/0000000347
Date	Mar 26, 2024
Book Page	0000002901/0000000347

Lender

Name	DISCOVER BANK

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2054

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	237 SAINT ANDREWS RD, RINCON, GA 31326-4719
Transaction Type	Mortgage
Record Updated	Nov 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	237 SAINT ANDREWS RD, RINCON, GA 31326-4719

Mortgage

Document Number	0000002625/0000000302
Date	Sep 23, 2020
Book Page	0000002625/0000000302
Instrument	009753

Lender

Name	PENNYMAC LOAN SERVICES

Agreement

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

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	May 16, 2022
Property Address	237 SAINT ANDREWS RD, RINCON, GA 31326-4719
Document Number	002785/496
Book / Page	2785 / 496
Instrument Date	May 16, 2022
Instrument	2022-001445
Transaction Type	Transfer
Record Updated	Nov 30, 2022

Transaction

Amount	Amount Recorded
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	237 SAINT ANDREWS RD, RINCON, GA 31326-4719

Mortgage

Document Number	0000002785/0000000498
Date	May 23, 2022
Book Page	0000002785/0000000498
Instrument	005237

Lender

Name	FLAGSTAR BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Dec 14, 2021
Property Address	237 SAINT ANDREWS RD, RINCON, GA 31326-4719
Document Number	002761/770
Book / Page	2761 / 770
Instrument Date	Dec 14, 2021
Instrument	2021-004064
Transaction Type	Transfer
Record Updated	Nov 30, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	237 SAINT ANDREWS RD, RINCON, GA 31326-4719

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Sep 18, 2020
Property Address	237 SAINT ANDREWS RD, RINCON, GA 31326-4719
Document Number	002625/300
Book / Page	2625 / 300
Instrument Date	Sep 18, 2020
Instrument	2020-002649
Transaction Type	Transfer
Record Updated	Nov 30, 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	237 SAINT ANDREWS RD, RINCON, GA 31326-4719

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		$129,794 (-5.57%) Land $30,000 Building $99,794	$324,486 (-5.57%) Land $75,000 Building $249,486
2025	$3,710.00 (-6.08%) Homeowner's exemption	$137,443 (-12.54%) Land $30,000 Building $107,443	$343,608 (-12.54%) Land $75,000 Building $268,608
2024	$3,950.00 (+12.66%) Homeowner's exemption	$157,152 (+18%) Land $30,000 Building $127,152	$392,880 (+18%) Land $75,000 Building $317,880
2022	$3,506.00	$133,182 Land $24,000 Building $109,182	$332,955 Land $60,000 Building $272,955

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 10 policies
Nearby Flood Policies	10 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 67% of the US · lower than 91% of Georgia
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach

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

Provider	Max Down / Up (Mbps)
ClearWave Fiber	7,000 / 7,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Windstream DSL · Fiber in parts of the area	300 / 20

May also be available: Hotwire Communications.

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