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633 High Bluff Rd, Rincon, GA 31326 Property Records

Effingham County property record for 633 High Bluff Rd, Rincon, GA 31326

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,160 sqft · built 2021
Lot Size7.96 acres (346,738 sqft)
OwnerIndividual Name on Record
Last Sale$150,000 (Jun 2020)
Tax Bill$3,313 (2025)
Deeds & MortgagesMay 2023 Mortgage
Jun 2020 Sale & Construction Loan
Flood ZoneZone A (high risk)
APN04590-050-000

Property Details

APN / Parcel Number

Primary APN04590-050-000
Alternative APNs
  • 00980040A00
  • 04590050
  • 18229

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,160 sqft Heated Area
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2021
Effective Year BuiltEffective 2022
Exterior MaterialVinyl
Foundation TypeSlab (Mat/Raft)
Roof TypeGable/Hip
Roof MaterialFiberglass
Lot Area346,738 sqft (7.96 acres)
Garage TypeCarport
Garage Area595 sqft
CarportCarport
Carport Area595 sqft
Parking Spaces2 Parking Spaces
PorchSlab

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number18229
Street Address633 HIGH BLUFF RD
CityRINCON
StateGA
Zip31326-3612
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeAR-2
Legal Description7.96 AC
Legal SubdivisionAC PER PLAT
JurisdictionEFFINGHAM GA
Township / Civil DivisionRINCON
Census Block Group1
Census Block1003
Census Tract30303

Owner

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

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

Owner of RecordIndividual Name on Record
Mailing Address633 HIGH BLUFF RD, RINCON, GA 31326-3612
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 12, 2023Deed of Trust, Mortgage · Commercial Mortgage
UNITED COMMUNITY BANK
Jun 22, 2020Limited Warranty Deed, Transfer · Construction Mortgage
UNITED COMMUNITY BANK

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 22, 2020 · Amount on Record
Deed SaleJun 22, 2020 · Amount on Record
Prior SaleMar 9, 2006 · Amount on Record
Deed Document Number20201622
Deed Book / Page2602 / 949
Record UpdatedOct 29, 2026

May 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionEFFINGHAM GA
Property Address633 HIGH BLUFF RD, RINCON, GA 31326-3612
Transaction TypeMortgage
Record UpdatedJun 2, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address633 HIGH BLUFF RD, RINCON, GA 31326-3612

Mortgage

Document Number0000002847/0000000479
DateMay 12, 2023
Book Page0000002847/0000000479
Instrument2023003850
Lender
NameUNITED COMMUNITY BANK
Agreement
TypeCommercial Mortgage
AmountAmount Recorded
Term300 Months
DueJan 1, 2048

June 2020: Limited Warranty Deed, Transfer

Document TypeLimited Warranty Deed
JurisdictionEFFINGHAM GA
Recording DateJun 22, 2020
Property Address633 HIGH BLUFF RD, RINCON, GA 31326-3612
Document Number002602/949
Book / Page2602 / 949
Instrument DateJun 22, 2020
Instrument2020-001622
Transaction TypeTransfer
Record UpdatedMar 7, 2023

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address633 HIGH BLUFF RD, RINCON, GA 31326-3612

Mortgage

Document Number0000002602/0000000951
DateJun 30, 2020
Book Page0000002602/0000000951
Instrument006261
Lender
NameUNITED COMMUNITY BANK
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term360 Months
DueJan 1, 2051
Interest
Rate TypeAdjustable Rate
Rate3.37%
Type Change DateJul 1, 2020

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateGeorgia
CountyEffingham County
Unified School DistrictEffingham County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$169,314 (+20.88%) Land $77,310 Building $92,004$423,286 (+20.88%) Land $193,276 Building $230,010
2025$3,313.00 (+10.88%) Homeowner's exemption$140,072 (+47.55%) Land $48,068 Building $92,004$350,180 (+47.55%) Land $120,170 Building $230,010
2024$2,988.00 (+0.2%) Homeowner's exemption$94,932 (-) Land $41,094 Building $53,838$237,329 (-) Land $102,735 Building $134,594
2022$2,982.00 Homeowner's exemption$94,932 Land $41,094 Building $53,838$237,329 Land $102,735 Building $134,594

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective October 1, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone A
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationNot determined for this zone
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 10 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies10 in force
Nearby Flood Claims1 (2020)
Most Recent ClaimFeb 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 RiskModerate
above 40% of the US · lower than 73% of Georgia
Wildfire Likelihood0.06% annual chance
ExposureDirect
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

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on High Bluff Rd

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