4 Oak Ridge Cir, Rincon, GA 31326 Property Records

Effingham County property record for 4 Oak Ridge Cir, Rincon, GA 31326

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,359 sqft · built 1995
Lot Size	0.52 acres (22,651 sqft)
Owner	Individual Name on Record
Last Sale	$315,000 (Apr 2025)
Tax Bill	$2,328 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Nov 2025 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R2540-023-000`

Property Details

APN / Parcel Number

Primary APN	`R2540-023-000`
Alternative APNs	`0100H023000` `R2540023` `25406`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,359 sqft Heated Area
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2014
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	22,651 sqft (0.52 acres)
Garage Area	477 sqft

Exterior Amenities

Porch	Slab
Porch Area	135 sqft
Patio Area	192 sqft
Utility Building	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	25406
Street Address	4 OAK RIDGE CIR
City	RINCON
State	GA
Zip	31326-8802
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-6
Legal Description	.52 AC LOT 23
Legal Subdivision	BENT TREE
Legal Lot Number	23
Jurisdiction	EFFINGHAM GA
Township / Civil Division	RINCON
Census Block Group	3
Census Block	3017
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	4 OAK RIDGE CIR, RINCON, GA 31326-8802
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2026	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES
Nov 11, 2025	Quit Claim Deed, Transfer Quitclaim
Apr 22, 2022	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 16, 2025 · Amount on Record
Deed Sale	Apr 16, 2025 · Amount on Record
Prior Sale	May 2, 2022 · Amount on Record
Deed Document Number	20252926
Deed Book / Page	2967 / 794
Last Transfer Date	Nov 1, 2025
Transfer Doc	003006/693
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	4 OAK RIDGE CIR, RINCON, GA 31326-8802
Transaction Type	Mortgage
Record Updated	Mar 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 OAK RIDGE CIR, RINCON, GA 31326-8802

Mortgage

Document Number	0000003022/0000000921
Date	Feb 9, 2026
Book Page	0000003022/0000000921

Lender

Name	PENNYMAC LOAN SERVICES

Agreement

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

November 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Nov 11, 2025
Property Address	4 OAK RIDGE CIR, RINCON, GA 31326-8802
Document Number	003006/693
Book / Page	3006 / 693
Instrument Date	Nov 1, 2025
Transaction Type	Transfer
Record Updated	Dec 22, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 OAK RIDGE CIR, RINCON, GA 31326-8802

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Apr 22, 2022
Property Address	4 OAK RIDGE CIR, RINCON, GA 31326-8802
Document Number	002781/231
Book / Page	2781 / 231
Instrument Date	Apr 22, 2022
Instrument	2022-001213
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	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 OAK RIDGE CIR, RINCON, GA 31326-8802

Mortgage

Document Number	0000002781/0000000236
Date	May 2, 2022
Book Page	0000002781/0000000236
Instrument	004475

Lender

Name	MOVEMENT MORTGAGE

Agreement

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

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		$132,987 (+23.16%) Land $22,800 Building $110,187	$332,469 (+23.16%) Land $57,000 Building $275,469
2025	$2,328.00 (+7.68%) Homeowner's exemption	$107,980 (+0.35%) Land $22,800 Building $85,180	$269,950 (+0.35%) Land $57,000 Building $212,950
2024	$2,162.00 (+38.24%) Homeowner's exemption	$107,602 (+68.95%) Land $22,800 Building $84,802	$269,005 (+68.95%) Land $57,000 Building $212,005
2022	$1,564.00 Homeowner's exemption	$63,688 Land $17,600 Building $46,088	$159,220 Land $44,000 Building $115,220

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	Low lower than 63% of the US · lower than 84% 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 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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