439 Chimney Rd, Rincon, GA 31326 Property Records

Effingham County property record for 439 Chimney Rd, Rincon, GA 31326

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,000 sqft · built 1986
Lot Size	0.93 acres (40,511 sqft)
Owner	Individual Name on Record
Last Sale	$365,000 (Feb 2026)
Tax Bill	$3,316 (2025)
Deeds & Mortgages	Dec 2020 Mortgage May 2012 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`0465B-012-000`

Property Details

APN / Parcel Number

Primary APN	`0465B-012-000`
Alternative APNs	`0102A012000` `0465B012` `19322`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,000 sqft Heated Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2011
Exterior Material	Wood Siding
Roof Type	Gable/Hip
Roof Material	Fiberglass
Lot Area	40,511 sqft (0.93 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	189 sqft
Deck Area	168 sqft
Patio Area	336 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	19322
Street Address	439 CHIMNEY RD
City	RINCON
State	GA
Zip	31326-5538
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	.93 AC LOT 12
Legal Subdivision	SILVERWOOD PLANTATIO
Legal Lot Number	12
Jurisdiction	EFFINGHAM GA
Township / Civil Division	RINCON
Census Block Group	1
Census Block	1013
Census Tract	30308

Owner

Source: Effingham County records, as of March 11, 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	439 CHIMNEY RD, RINCON, GA 31326-5538
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS
May 25, 2012	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Jun 6, 2007	Deed of Trust, Mortgage · Conventional Mortgage FIRST CHATHAM BANK
Feb 4, 2026	Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE
Nov 9, 2015	Warranty Deed, Transfer · FHA Mortgage AMERIS BANK
Jul 22, 2009	Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 4, 2026 · Amount on Record
Deed Sale	Feb 4, 2026 · Amount on Record
Prior Sale	Nov 9, 2015 · Amount on Record
Deed Book / Page	3022 / 308
Prior Transfer Date	Nov 19, 2015
Prior Transfer Doc	002320/609
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	439 CHIMNEY RD, RINCON, GA 31326-5538
Transaction Type	Mortgage
Record Updated	Mar 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	439 CHIMNEY RD, RINCON, GA 31326-5538

Mortgage

Document Number	0000002650/0000000200
Date	Dec 29, 2020
Book Page	0000002650/0000000200
Instrument	013729

Lender

Name	QUICKEN LOANS

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2035

May 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	439 CHIMNEY RD, RINCON, GA 31326-5538
Transaction Type	Mortgage
Record Updated	Mar 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002098/135
Date	May 25, 2012
Book Page	2098/135

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2042

June 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	439 CHIMNEY RD, RINCON, GA 31326-5538
Transaction Type	Mortgage
Record Updated	Mar 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0001634/59
Date	Jun 6, 2007
Book Page	1634/59

Lender

Name	FIRST CHATHAM BANK
Type	Bank

Agreement

Type	Conventional Mortgage

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Feb 4, 2026
Property Address	439 CHIMNEY RD, RINCON, GA 31326-5538
Document Number	003022/308
Book / Page	3022 / 308
Instrument Date	Feb 4, 2026
Transaction Type	Transfer
Record Updated	Mar 9, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3.65
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	439 CHIMNEY RD, RINCON, GA 31326-5538

Mortgage

Document Number	0003022310
Date	Feb 4, 2026
Instrument	3022/310

Lender

Name	ROCKET MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jan 1, 2056

November 2015: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Nov 9, 2015
Property Address	439 CHIMNEY RD, RINCON, GA 31326-5538
Document Number	002319/690
Book / Page	2319 / 690
Instrument Date	Nov 9, 2015
Instrument	2015-002853
Transaction Type	Transfer
Record Updated	Mar 22, 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	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	439 CHIMNEY RD, RINCON, GA 31326-5538
Investor	Possibly a Property Investor

Mortgage

Document Number	002319/691
Date	Nov 10, 2015
Book Page	2319/691
Instrument	009391

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2045

July 2009: Deed, Transfer

Document Type	Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Jul 22, 2009
Property Address	439 CHIMNEY RD, RINCON, GA 31326-5538
Document Number	001870/204
Book / Page	1870 / 204
Instrument Date	Jul 17, 2009
Instrument	051-2009-001433
Transaction Type	Transfer
Record Updated	Mar 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$227.50
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	84 EAGLES NEST LN, 84, MAGGIE VALLEY, NC 28751-8868

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	439 CHIMNEY RD, RINCON, GA 31326-5538

Mortgage

Document Number	001870/207
Date	Jul 22, 2009
Book Page	1870/207

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	JACKSONVILLE, FL 32256

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2039

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
2025	$3,316.00 (+10.39%) Homeowner's exemption	$115,891 (+21.06%) Land $28,000 Building $87,891	$289,728 (+21.06%) Land $70,000 Building $219,728
2024	$3,004.00 (+4.38%) Homeowner's exemption	$95,732 (+5.22%) Land $28,000 Building $67,732	$239,330 (+5.22%) Land $70,000 Building $169,330
2022	$2,878.00 Homeowner's exemption	$90,985 Land $25,200 Building $65,785	$227,463 Land $63,000 Building $164,463

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 17 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	17 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 40% of the US · lower than 73% of Georgia
Wildfire Likelihood	0.06% 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 78 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications.

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