405 Oak Ln, Rincon, GA 31326 Property Records

Effingham County property record for 405 Oak Ln, Rincon, GA 31326

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,321 sqft · built 1997
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on Record
Last Sale	$177,000 (May 2014)
Tax Bill	$2,485 (2022)
Deeds & Mortgages	Feb 2026 Mortgage Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R2540-051-000`

Property Details

APN / Parcel Number

Primary APN	`R2540-051-000`
Alternative APNs	`0100H051000` `R2540051` `25462`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,321 sqft Heated Area
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	17,424 sqft (0.4 acres)

Exterior Amenities

Porch	Slab
Porch Area	220 sqft
Deck Area	192 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	25462
Street Address	405 OAK LN
City	RINCON
State	GA
Zip	31326-8816
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-6
Legal Description	.40 AC LOT 51
Legal Subdivision	BENT TREE PH 2-A
Legal Block	IIA
Legal Lot Number	51
Jurisdiction	EFFINGHAM GA
Township / Civil Division	RINCON
Census Block Group	1
Census Block	1009
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	405 OAK LN, RINCON, GA 31326-8816
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2026	Deed of Trust, Mortgage FREEDOM MORTGAGE
Oct 15, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE
Oct 20, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 23, 2014 · Amount on Record
Deed Sale	May 23, 2014 · Amount on Record
Prior Sale	Dec 22, 2010 · Amount on Record
Deed Document Number	20141277
Deed Book / Page	2247 / 280
Prior Transfer Date	Aug 17, 2006
Prior Transfer Doc	001533/351
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	405 OAK LN, RINCON, GA 31326-8816
Transaction Type	Mortgage
Record Updated	Mar 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 OAK LN, RINCON, GA 31326-8816

Mortgage

Document Number	0000003024/0000000905
Date	Feb 18, 2026
Book Page	0000003024/0000000905
Instrument	D2026001317

Lender

Name	FREEDOM MORTGAGE

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2056

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	405 OAK LN, RINCON, GA 31326-8816
Transaction Type	Mortgage
Record Updated	Nov 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 OAK LN, RINCON, GA 31326-8816

Mortgage

Document Number	0000002733/0000000619
Date	Oct 15, 2021
Book Page	0000002733/0000000619
Instrument	012605

Lender

Name	FREEDOM MORTGAGE

Agreement

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

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	405 OAK LN, RINCON, GA 31326-8816
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 OAK LN, RINCON, GA 31326-8816

Mortgage

Document Number	0000002631/0000000691
Date	Oct 20, 2020
Book Page	0000002631/0000000691
Instrument	010800

Lender

Name	FREEDOM MORTGAGE

Agreement

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

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		$111,884 (+6.09%) Land $22,800 Building $89,084	$279,709 (+6.08%) Land $57,000 Building $222,709
2025	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$105,466 (+11.73%) Land $22,800 Building $82,666	$263,665 (+11.73%) Land $57,000 Building $206,665
2022	$2,485.00 Homeowner's exemption	$94,391 Land $17,600 Building $76,791	$235,977 Land $44,000 Building $191,977

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
Nearby Flood Policies	8 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 80% of the US · lower than 94% of Georgia
Wildfire Likelihood	0.02% 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 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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