435 High Bluff Rd, Rincon, GA 31326 Property Records

Effingham County property record for 435 High Bluff Rd, Rincon, GA 31326

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,983 sqft · built 2008
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$195,000 (Sep 2011)
Tax Bill	$3,069 (2025)
Deeds & Mortgages	Aug 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`04590-062-A00`

Property Details

APN / Parcel Number

Primary APN	`04590-062-A00`
Alternative APN	`18244`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,983 sqft Heated Area
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Shed Roof
Roof Material	Fiberglass
Lot Area	43,560 sqft (1 acres)
Garage Area	690 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	413 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	18244
Street Address	435 HIGH BLUFF RD
City	RINCON
State	GA
Zip	31326-3614
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	1.00 AC 1B
Legal Subdivision	THOMAS O LONG ESTATE
Jurisdiction	EFFINGHAM GA
Township / Civil Division	RINCON
Census Block Group	1
Census Block	1003
Census Tract	30303

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	PO BOX 243, RINCON, GA 31326-0243
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 8, 2011 · Amount on Record
Deed Sale	Sep 8, 2011 · Amount on Record
Deed Document Number	20111795
Deed Book / Page	2037 / 323
Record Updated	Oct 29, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	435 HIGH BLUFF RD, RINCON, GA 31326-3614
Transaction Type	Mortgage
Record Updated	May 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	435 HIGH BLUFF RD, RINCON, GA 31326-3614
Investor	Possibly a Property Investor

Mortgage

Document Number	0000002484/0000000422
Date	Aug 23, 2018
Book Page	0000002484/0000000422
Instrument	007415

Lender

Name	BRANCH BANKING AND TRUST

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 1, 2043

Tax Assessment & Valuation

Source: Effingham County assessment roll, as of December 22, 2025

Property Jurisdictions

Type	Name
State	Georgia
County	Effingham County
Unified School District	Effingham County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$124,533 (-4.56%) Land $20,093 Building $104,440	$311,333 (-4.56%) Land $50,233 Building $261,100
2025	$3,069.00 (+10.91%) Homeowner's exemption	$130,488 (+12.41%) Land $18,204 Building $112,284	$326,221 (+12.41%) Land $45,511 Building $280,710
2024	$2,767.00 (+1.62%) Homeowner's exemption	$116,080 (+23.71%) Land $18,204 Building $97,876	$290,202 (+23.71%) Land $45,511 Building $244,691
2022	$2,723.00 Homeowner's exemption	$93,835 Land $11,378 Building $82,457	$234,587 Land $28,444 Building $206,143

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 10 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	1 (2020)
Most Recent Claim	Feb 2020 · other causes

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 43% of the US · lower than 61% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Windstream DSL	300 / 20
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on High Bluff Rd

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