Effingham County property record for 48 Oak Ridge Cir, Rincon, GA 31326
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,302 sqft · built 1994 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | Individual Name on File |
| Last Sale | $141,000 (Aug 2017) |
| Tax Bill | $2,083 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Aug 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R2540-001-000 |
| Primary APN | R2540-001-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,302 sqft Heated Area |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Brick Veneer |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Fiberglass |
| Lot Area | 14,810 sqft (0.34 acres) |
| Garage Area | 350 sqft |
| Porch | Slab |
| Porch Area | 30 sqft |
| Deck Area | 170 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 25356 |
|---|---|
| Street Address | 48 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 | .34 AC LOT 1 |
| Legal Subdivision | BENT TREE |
| Legal Lot Number | 1 |
| Jurisdiction | EFFINGHAM GA |
| Township / Civil Division | RINCON |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 30307 |
48 Oak Ridge Cir is owned and occupied by an individual who bought it in August 2017.
Source: Effingham County records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 721, RINCON, GA 31326-0721 |
| 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.
| Date | Document |
|---|---|
| Feb 10, 2026 | Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE |
| Aug 9, 2017 | Warranty Deed, Transfer · Conventional Mortgage BRANCH BANKING AND TRUST CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 9, 2017 · Amount on File |
| Deed Sale | Aug 9, 2017 · Amount on File |
| Prior Sale | May 31, 1994 · Amount on File |
| Deed Document Number | 20172196 |
| Deed Book / Page | 2423 / 165 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Property Address | 48 OAK RIDGE CIR, RINCON, GA 31326-8810 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2026 |
| Name | Verified Name |
|---|---|
| Address | 315 PLANTATION DR, RINCON, GA 31326-9140 |
| Document Number | 0000003023/0000000260 |
|---|---|
| Date | Feb 10, 2026 |
| Book Page | 0000003023/0000000260 |
| Name | GUILD MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EFFINGHAM GA |
| Recording Date | Aug 9, 2017 |
| Property Address | 48 OAK RIDGE CIR, RINCON, GA 31326-8810 |
| Document Number | 002423/165 |
| Book / Page | 2423 / 165 |
| Instrument Date | Aug 9, 2017 |
| Instrument | 2017-002196 |
| Transaction Type | Transfer |
| Record Updated | Mar 22, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 721, RINCON, GA 31326-0721 |
| Document Number | 002423/168 |
|---|---|
| Date | Aug 15, 2017 |
| Book Page | 2423/168 |
| Instrument | 007503 |
| Name | BRANCH BANKING AND TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2047 |
The 2025 property tax bill for 48 Oak Ridge Cir was $2,083 with a homeowner's exemption, up 8.8% from the year before.
Source: Effingham County assessment roll, as of December 22, 2025
| Type | Name |
|---|---|
| State | Georgia |
| County | Effingham County |
| Municipality | Rincon City |
| Unified School District | Effingham County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $107,561 (+7.34%) Land $22,800 Building $84,761 | $268,902 (+7.34%) Land $57,000 Building $211,902 | |
| 2025 | $2,083.00 (+8.83%) Homeowner's exemption | $100,204 (+1.25%) Land $22,800 Building $77,404 | $250,509 (+1.25%) Land $57,000 Building $193,509 |
| 2024 | $1,914.00 Homeowner's exemption | $98,965 Land $22,800 Building $76,165 | $247,412 Land $57,000 Building $190,412 |
| 2022 | $1,764.00 | $67,014 Land $17,600 Building $49,414 | $167,536 Land $44,000 Building $123,536 |
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.
FEMA maps place 48 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 risk around 48 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.
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 |
| 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.
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 |
5G (outdoors only) and 4G LTE
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