28 Oak Ridge Cir, Rincon, GA 31326 Property Records

Effingham County property record for 28 Oak Ridge Cir, Rincon, GA 31326

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,296 sqft · built 1996
Lot Size	0.49 acres (21,344 sqft)
Owner	Individual Name on Record
Last Sale	$145,000 (Nov 2018)
Tax Bill	$1,836 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Apr 2023 Second Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`R2540-011-000`

Property Details

APN / Parcel Number

Primary APN	`R2540-011-000`
Alternative APNs	`0100H011000` `R2540011` `25381`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,296 sqft Heated Area
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2008
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Fiberglass
Lot Area	21,344 sqft (0.49 acres)
Garage Area	567 sqft

Exterior Amenities

Porch	Slab
Porch Area	135 sqft
Deck Area	120 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	25381
Street Address	28 OAK RIDGE CIR
City	RINCON
State	GA
Zip	31326-8810
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-6
Legal Description	.49 AC LOT 11
Legal Subdivision	BENT TREE
Legal Lot Number	11
Jurisdiction	EFFINGHAM GA
Township / Civil Division	RINCON
Census Block Group	3
Census Block	3020
Census Tract	30307

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	Individual Name on Record
Mailing Address	28 OAK RIDGE CIR, RINCON, GA 31326-8810
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE
Apr 12, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE
Jun 14, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE
May 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS
Dec 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE
Nov 1, 2018	Warranty Deed, Transfer · Conventional Mortgage BANKSOUTH MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 1, 2018 · Amount on Record
Deed Sale	Nov 1, 2018 · Amount on Record
Prior Sale	Jul 14, 2006 · Amount on Record
Deed Document Number	20182979
Deed Book / Page	2497 / 999
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	28 OAK RIDGE CIR, RINCON, GA 31326-8810
Transaction Type	Mortgage
Record Updated	May 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 OAK RIDGE CIR, RINCON, GA 31326-8810

Mortgage

Document Number	0000003032/0000000408
Date	Mar 25, 2026
Book Page	0000003032/0000000408

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2041

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	28 OAK RIDGE CIR, RINCON, GA 31326-8810
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 OAK RIDGE CIR, RINCON, GA 31326-8810

Mortgage

Document Number	0000002842/0000000149
Date	Apr 12, 2023
Book Page	0000002842/0000000149
Instrument	002858

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jan 1, 2033

June 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	28 OAK RIDGE CIR, RINCON, GA 31326-8810
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 OAK RIDGE CIR, RINCON, GA 31326-8810

Mortgage

Document Number	0000002914/0000000683
Date	Jun 14, 2024
Book Page	0000002914/0000000683

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jan 1, 2044

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	28 OAK RIDGE CIR, RINCON, GA 31326-8810
Transaction Type	Mortgage
Record Updated	Aug 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 OAK RIDGE CIR, RINCON, GA 31326-8810

Mortgage

Document Number	0000002690/0000000938
Date	May 20, 2021
Book Page	0000002690/0000000938
Instrument	006134

Lender

Name	QUICKEN LOANS

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2036

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	28 OAK RIDGE CIR, RINCON, GA 31326-8810
Transaction Type	Mortgage
Record Updated	Aug 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 OAK RIDGE CIR, RINCON, GA 31326-8810

Mortgage

Document Number	0000002750/0000000645
Date	Dec 15, 2021
Book Page	0000002750/0000000645
Instrument	015159

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2037

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Nov 1, 2018
Property Address	28 OAK RIDGE CIR, RINCON, GA 31326-8810
Document Number	002497/999
Book / Page	2497 / 999
Instrument Date	Nov 1, 2018
Instrument	2018-002979
Transaction Type	Transfer
Record Updated	Aug 3, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 OAK RIDGE CIR, RINCON, GA 31326-8810

Mortgage

Document Number	0000002497/0000001000
Date	Nov 15, 2018
Book Page	0000002497/0000001000
Instrument	009978

Lender

Name	BANKSOUTH MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2048

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		$117,739 (+7.57%) Land $22,800 Building $94,939	$294,349 (+7.57%) Land $57,000 Building $237,349
2025	$1,836.00 (+8.83%) Homeowner's exemption	$109,457 (+0.73%) Land $22,800 Building $86,657	$273,643 (+0.73%) Land $57,000 Building $216,643
2024	$1,687.00 (+3.56%) Homeowner's exemption	$108,664 (+46.18%) Land $22,800 Building $85,864	$271,661 (+46.18%) Land $57,000 Building $214,661
2022	$1,629.00 Homeowner's exemption	$74,334 Land $17,600 Building $56,734	$185,835 Land $44,000 Building $141,835

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 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

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

Wildfire Risk	Low lower than 66% of the US · lower than 89% of Georgia
Wildfire Likelihood	0.03% 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 243 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
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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