409 Oak Ln, Rincon, GA 31326 Property Records

Effingham County property record for 409 Oak Ln, Rincon, GA 31326

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,992 sqft · built 2003
Lot Size	0.52 acres (22,651 sqft)
Owner	2 Individual Names on Record
Last Sale	$218,000 (Aug 2018)
Tax Bill	$2,166 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Aug 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R2540-085-000`

Property Details

APN / Parcel Number

Primary APN	`R2540-085-000`
Alternative APNs	`0100H085000` `R2540085` `25499`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,992 sqft Heated Area
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2010
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Fiberglass
Lot Area	22,651 sqft (0.52 acres)
Garage Area	806 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	126 sqft
Deck Area	144 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	25499
Street Address	409 OAK LN
City	RINCON
State	GA
Zip	31326-8816
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	.52 AC LOT 85 OUT 100-44B
Legal Subdivision	BENT TREE
Legal Phase	2B
Legal Block	2B
Legal Lot Number	85
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	2 Individual Names on Record
Mailing Address	409 OAK LN, RINCON, GA 31326-8816
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2022	Deed of Trust, Mortgage · VA Mortgage WELLS FARGO
Aug 14, 2018	Deed of Trust, Mortgage · Stand-Alone First Mortgage WELLS FARGO
Aug 7, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 2018 · Amount on Record
Deed Sale	Aug 7, 2018 · Amount on Record
Prior Sale	Feb 20, 2007
Deed Document Number	20182078
Deed Book / Page	2482 / 482
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	409 OAK LN, RINCON, GA 31326-8816
Transaction Type	Mortgage
Record Updated	Mar 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 OAK LN, RINCON, GA 31326-8816

Mortgage

Document Number	0000002760/0000000975
Date	Feb 2, 2022
Book Page	0000002760/0000000975
Instrument	001081

Lender

Name	WELLS FARGO

Agreement

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

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	409 OAK LN, RINCON, GA 31326-8816
Transaction Type	Mortgage
Record Updated	Jul 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 OAK LN, RINCON, GA 31326-8816

Mortgage

Document Number	0000002482/0000000483
Date	Aug 14, 2018
Book Page	0000002482/0000000483
Instrument	007045

Lender

Name	WELLS FARGO

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2048

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Aug 7, 2018
Property Address	409 OAK LN, RINCON, GA 31326-8816
Document Number	002482/482
Book / Page	2482 / 482
Instrument Date	Aug 7, 2018
Instrument	2018-002078
Transaction Type	Transfer
Record Updated	Mar 22, 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	409 OAK LN, RINCON, GA 31326-8816

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		$117,595 (+6.82%) Land $22,800 Building $94,795	$293,987 (+6.82%) Land $57,000 Building $236,987
2025	$2,166.00 (+7.65%) Homeowner's exemption	$110,084 (-4.72%) Land $22,800 Building $87,284	$275,210 (-4.72%) Land $57,000 Building $218,210
2024	$2,012.00 (+3.5%) Homeowner's exemption	$115,542 (+19.66%) Land $22,800 Building $92,742	$288,854 (+19.66%) Land $57,000 Building $231,854
2022	$1,944.00 Homeowner's exemption	$96,557 Land $17,600 Building $78,957	$241,392 Land $44,000 Building $197,392

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
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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