46 Oak Ridge Cir, Rincon, GA 31326 Property Records

Effingham County property record for 46 Oak Ridge Cir, Rincon, GA 31326

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,541 sqft · built 1995
Lot Size	0.42 acres (18,295 sqft)
Owner	Individual Name on File
Last Sale	$235,000 (Mar 2022)
Tax Bill	$1,398 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Mar 2022 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`R2540-002-000`

Property Details

APN / Parcel Number

Primary APN	`R2540-002-000`
Alternative APNs	`0100H002000` `R2540002` `25363`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,541 sqft Heated Area
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2015
Exterior Material	Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Fiberglass
Lot Area	18,295 sqft (0.42 acres)
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	308 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	25363
Street Address	46 OAK RIDGE CIR
City	RINCON
State	GA
Zip	31326-8810
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-6
Legal Description	.42 AC LOT 2
Legal Subdivision	BENT TREE
Legal Lot Number	2
Jurisdiction	EFFINGHAM GA
Township / Civil Division	RINCON
Census Block Group	3
Census Block	3020
Census Tract	30307

Owner

46 Oak Ridge Cir is owned and occupied by an individual who bought it in March 2022.

Source: Effingham County records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	46 OAK RIDGE CIR, RINCON, GA 31326-8810
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 21, 2022	Deed of Trust, Mortgage · Conventional Mortgage HOMESPIRE MORTGAGE
Mar 18, 2022	Warranty Deed, Transfer
Mar 18, 2022	Warranty Deed, Transfer · Conventional Mortgage HOMESPIRE MORTGAGE
Nov 15, 2013	Warranty Deed, Transfer · Conventional Mortgage BRANCH BANKING AND TRUST CO
Jul 15, 2005	Warranty Deed, Transfer · Conventional Mortgage TAYLOR BEAN & WHITAKER MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 21, 2022 · Amount on File
Deed Sale	Mar 21, 2022 · Amount on File
Prior Sale	Nov 15, 2013 · Amount on File
Deed Document Number	2022725
Deed Book / Page	2771 / 169
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	46 OAK RIDGE CIR, RINCON, GA 31326-8810
Transaction Type	Mortgage
Record Updated	Nov 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 OAK RIDGE CIR, RINCON, GA 31326-8810

Mortgage

Document Number	0000002771/0000000171
Date	Mar 21, 2022
Book Page	0000002771/0000000171
Instrument	002875

Lender

Name	HOMESPIRE MORTGAGE

Agreement

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

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Mar 18, 2022
Property Address	46 OAK RIDGE CIR, RINCON, GA 31326-8810
Document Number	002771/169
Book / Page	2771 / 169
Instrument Date	Mar 18, 2022
Instrument	2022-000725
Transaction Type	Transfer
Record Updated	Nov 30, 2022

Transaction

Amount	Amount 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	46 OAK RIDGE CIR, RINCON, GA 31326-8810

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Mar 18, 2022
Property Address	46 OAK RIDGE CIR, RINCON, GA 31326-8810
Document Number	002771/169
Book / Page	2771 / 169
Instrument Date	Mar 18, 2022
Instrument	2022-000725
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Amount	Amount 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	46 OAK RIDGE CIR, RINCON, GA 31326-8810

Mortgage

Document Number	0000002875
Date	Mar 18, 2022
Instrument	002875

Lender

Name	HOMESPIRE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Jan 1, 2052

November 2013: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Nov 15, 2013
Property Address	46 OAK RIDGE CIR, RINCON, GA 31326-8810
Document Number	002221/167
Book / Page	2221 / 167
Instrument Date	Nov 15, 2013
Instrument	2013-002798
Transaction Type	Transfer
Record Updated	Nov 30, 2022

Transaction

Amount	Amount on Record
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	46 OAK RIDGE CIR, RINCON, GA 31326-8810

Mortgage

Document Number	002221/169
Date	Nov 18, 2013
Book Page	2221/169

Lender

Name	BRANCH BANKING AND TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 1, 2028

July 2005: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Jul 15, 2005
Property Address	46 OAK RIDGE CIR, RINCON, GA 31326-8810
Document Number	001306/205
Book / Page	1306 / 205
Instrument Date	Jul 15, 2005
Instrument	2005-002374
Transaction Type	Transfer
Record Updated	Nov 30, 2022

Transaction

Amount	Amount on Record
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	46 OAK RIDGE CIR, RINCON, GA 31326-8810
Investor	Possibly a Property Investor

Mortgage

Document Number	001306/207
Date	Jul 18, 2005
Book Page	1306/207

Lender

Name	TAYLOR BEAN & WHITAKER MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 46 Oak Ridge Cir was $1,398 with a homeowner's exemption, up 7.7% from the year before.

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		$112,567 (+7.46%) Land $22,800 Building $89,767	$281,418 (+7.46%) Land $57,000 Building $224,418
2025	$1,398.00 (+7.7%) Homeowner's exemption	$104,755 (-0.74%) Land $22,800 Building $81,955	$261,887 (-0.74%) Land $57,000 Building $204,887
2024	$1,298.00 Homeowner's exemption	$105,540 Land $22,800 Building $82,740	$263,849 Land $57,000 Building $206,849
2022	$1,292.00 Homeowner's exemption	$64,530 Land $17,600 Building $46,930	$161,324 Land $44,000 Building $117,324

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

FEMA maps place 46 Oak Ridge Cir in Zone X, an area of minimal flood risk.

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 File 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

Wildfire risk around 46 Oak Ridge Cir is low, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 85% 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 147 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Oak Ridge Cir

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