313 Crosswinds Dr, Rincon, GA 31326 Property Records

Effingham County property record for 313 Crosswinds Dr, Rincon, GA 31326

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,292 sqft · built 2021
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$360,000 (May 2026)
Tax Bill	$3,294 (2025)
Deeds & Mortgages	May 2026 Sale & Second Mortgage May 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R2630-291-000`

Property Details

APN / Parcel Number

Primary APN	`R2630-291-000`
Alternative APNs	`0447000100Y` `R2630291` `30851`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,292 sqft Heated Area
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2022
Exterior Material	Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Garage Area	441 sqft
Porch	Slab
Porch Area	87 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	30851
Street Address	313 CROSSWINDS DR
City	RINCON
State	GA
Zip	31326-8112
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-5
Legal Description	.229 AC LOT 291 (OUT R263-2A1) PLT 28/979-98
Legal Subdivision	HICKORY KNOB PHASE XII
Legal Phase	12
Legal Lot Number	291
Jurisdiction	EFFINGHAM GA
Township / Civil Division	RINCON
Census Block Group	3
Census Block	3007
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	2 Individual Names on Record
Mailing Address	313 CROSSWINDS DR, RINCON, GA 31326-8112
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 28, 2026	Limited Warranty Deed, Transfer · Stand-Alone Second Mortgage GUILD MORTGAGE
May 28, 2026	Deed of Trust, Mortgage · FHA Mortgage GUILD MORTGAGE
Mar 20, 2024	Warranty Deed, Transfer · FHA Mortgage COLONY BANK
Nov 30, 2021	Limited Warranty Deed, Subdivision Related Transfer · FHA Mortgage HOMESPIRE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 28, 2026 · Amount on Record
Deed Sale	May 28, 2026 · Amount on Record
Prior Sale	Mar 20, 2024 · Amount on Record
Deed Document Number	20264688
Deed Book / Page	3046 / 799
Record Updated	Oct 29, 2026

May 2026: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	May 28, 2026
Property Address	313 CROSSWINDS DR, RINCON, GA 31326-8112
Document Number	0000004688
Book / Page	3046 / 799
Instrument Date	May 21, 2026
Instrument	20264688
Transaction Type	Transfer
Record Updated	Jul 20, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	313 CROSSWINDS DR, RINCON, GA 31326-8112

Mortgage

Document Number	0000000046,
Date	May 28, 2026
Book Page	3046/826
Instrument	202646

Lender

Name	GUILD MORTGAGE

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.23%
Max Rate	-1%

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Recording Date	May 28, 2026
Property Address	313 CROSSWINDS DR, RINCON, GA 31326-8112
Document Number	0000000046
Book / Page	3046 / 801
Instrument Date	May 21, 2026
Instrument	202646
Transaction Type	Mortgage
Record Updated	Jul 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	313 CROSSWINDS DR, RINCON, GA 31326-8112

Mortgage

Document Number	0000000046,
Date	May 28, 2026
Book Page	3046/801
Instrument	202646

Lender

Name	GUILD MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.23%
Max Rate	-1%

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Mar 20, 2024
Property Address	313 CROSSWINDS DR, RINCON, GA 31326-8112
Document Number	002900/539
Book / Page	2900 / 539
Instrument Date	Mar 20, 2024
Instrument	2024000616
Transaction Type	Transfer
Record Updated	Apr 26, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	313 CROSSWINDS DR, RINCON, GA 31326-8112

Mortgage

Document Number	0000002900/0000000541
Date	Mar 20, 2024
Book Page	0000002900/0000000541

Lender

Name	COLONY BANK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2054

November 2021: Limited Warranty Deed, Subdivision Related Transfer

Document Type	Limited Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Nov 30, 2021
Property Address	313 CROSSWINDS DR, RINCON, GA 31326-8112
Document Number	002751/159
Book / Page	2751 / 159
Instrument Date	Nov 30, 2021
Instrument	2021-003897
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 4, 2023

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	313 CROSSWINDS DR, RINCON, GA 31326-8112

Mortgage

Document Number	0000002751/0000000162
Date	Dec 17, 2021
Book Page	0000002751/0000000162
Instrument	015255

Lender

Name	HOMESPIRE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

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		$133,042 (-2.9%) Land $22,800 Building $110,242	$332,605 (-2.9%) Land $57,000 Building $275,605
2025	$3,294.00 (+28.37%) Homeowner's exemption Senior Citizen's exemption	$137,014 (+6.14%) Land $22,800 Building $114,214	$342,536 (+6.14%) Land $57,000 Building $285,536
2024	$2,566.00 (-16.77%) Homeowner's exemption	$129,086 (+10.21%) Land $22,800 Building $106,286	$322,716 (+10.22%) Land $57,000 Building $265,716
2022	$3,083.00	$117,122 Land $17,600 Building $99,522	$292,805 Land $44,000 Building $248,805

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 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	Moderate above 45% of the US · above 47% of Georgia
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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 168 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

May also be available: Hotwire Communications, Windstream.

Cell Coverage

5G (outdoors only) and 4G LTE

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