595 High Bluff Rd, Rincon, GA 31326 Property Records

Effingham County property record for 595 High Bluff Rd, Rincon, GA 31326

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,565 sqft · built 2024
Lot Size	6.69 acres (291,416 sqft)
Owner	2 Individual Names on Record
Last Sale	$675,000 (Mar 2026)
Tax Bill	$6,979 (2025)
Deeds & Mortgages	Apr 2025 Mortgage Mar 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`04590-054-A00`

Property Details

APN / Parcel Number

Primary APN	`04590-054-A00`
Alternative APNs	`00980046000` `31277`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,565 sqft Heated Area
Basement Area	8 sqft
Unfinished Basement	8 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Fiber Cement Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Fiberglass
Lot Area	291,416 sqft (6.69 acres)
Garage Type	Mixed
Garage Area	2,676 sqft
Porch	Patio
Porch Area	54 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	31277
Street Address	595 HIGH BLUFF RD
City	RINCON
State	GA
Zip	31326-3613
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR-1
Legal Description	6.69 AC PAR 1 (OUT 459-54) PLT 29/120
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	595 HIGH BLUFF RD, RINCON, GA 31326-3613
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2025	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE
Mar 6, 2026	Warranty Deed, Transfer EMM LOANS
Nov 20, 2023	Warranty Deed, Transfer · Conventional Mortgage BANK OF NEWINGTON
Aug 19, 2021	Warranty Deed, Transfer
Aug 21, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 6, 2026 · Amount on Record
Deed Sale	Mar 6, 2026 · Amount on Record
Prior Sale	Nov 20, 2023 · Amount on Record
Deed Book / Page	3028 / 706
Record Updated	Oct 29, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	595 HIGH BLUFF RD, RINCON, GA 31326-3613
Transaction Type	Mortgage
Record Updated	Apr 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	595 HIGH BLUFF RD, RINCON, GA 31326-3613

Mortgage

Document Number	0000002965/0000000126
Date	Apr 2, 2025
Book Page	0000002965/0000000126
Instrument	D2025002446

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2055

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Mar 6, 2026
Property Address	595 HIGH BLUFF RD, RINCON, GA 31326-3613
Document Number	003028/706
Book / Page	3028 / 706
Instrument Date	Mar 4, 2026
Transaction Type	Transfer
Record Updated	Apr 20, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	595 HIGH BLUFF RD, RINCON, GA 31326-3613

Mortgage

Document Number	0003028708
Date	Mar 6, 2026
Instrument	3028/708

Lender

Name	EMM LOANS

Agreement

Amount	Amount Recorded
Term	358 Months
Due	Jan 1, 2056

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Nov 20, 2023
Property Address	595 HIGH BLUFF RD, RINCON, GA 31326-3613
Document Number	002882/557
Book / Page	2882 / 557
Instrument Date	Nov 20, 2023
Instrument	D2023009474
Transaction Type	Transfer
Record Updated	Dec 22, 2025

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	595 HIGH BLUFF RD, RINCON, GA 31326-3613

Mortgage

Document Number	D2023009475
Date	Nov 20, 2023
Instrument	D2023009475

Lender

Name	BANK OF NEWINGTON

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	2 Months
Due	Jan 1, 2024

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Aug 19, 2021
Property Address	595 HIGH BLUFF RD, RINCON, GA 31326-3613
Document Number	002717/941
Book / Page	2717 / 941
Instrument Date	Aug 19, 2021
Instrument	2021-002789
Transaction Type	Transfer
Record Updated	Dec 22, 2025

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Partial Interest

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	33 PEBBLE DR, RINCON, GA 31326

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Aug 21, 2019
Property Address	595 HIGH BLUFF RD, RINCON, GA 31326-3613
Document Number	002541/834
Book / Page	2541 / 834
Instrument Date	Aug 21, 2019
Instrument	2019-002278
Transaction Type	Transfer
Record Updated	Dec 22, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	927 HONEY RIDGE RD, GUYTON, GA 31312-4565

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		$243,857 (+10.81%) Land $69,528 Building $174,329	$609,643 (+10.81%) Land $173,821 Building $435,822
2025	$6,979.00 (+389.41%) Homeowner's exemption	$220,058 (+325.72%) Land $45,729 Building $174,329	$550,145 (+325.72%) Land $114,323 Building $435,822
2024	$1,426.00 (+162.62%)	$51,691 (+169.93%) Land $51,691	$129,227 (+169.93%) Land $129,227
2022	$543.00	$19,150 Land $19,150	$47,874 Land $47,874

Assessed value is set for property tax purposes, not a market price estimate; it is 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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream DSL	300 / 20
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6

Cell Coverage

5G (outdoors only) and 4G LTE

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