679 High Bluff Rd, Rincon, GA 31326 Property Records

Effingham County property record for 679 High Bluff Rd, Rincon, GA 31326

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,762 sqft · built 1996
Lot Size	10.4 acres (456,073 sqft)
Owner	2 Individual Names on File
Last Sale	$290,000 (Oct 2006)
Tax Bill	$3,475 (2025)
Deeds & Mortgages	Jan 2022 Mortgage May 2017 Mortgage
Flood Zone	Zone A (high risk)
APN	`04590-048-000`

Property Details

APN / Parcel Number

Primary APN	`04590-048-000`
Alternative APNs	`00980044A00` `04590048` `18227`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,762 sqft Heated Area
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2006
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	456,073 sqft (10.4 acres)
Porch	Patio
Porch Area	499 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	18227
Street Address	679 HIGH BLUFF RD
City	RINCON
State	GA
Zip	31326-3612
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR-1
Legal Description	10.47 AC(-.06 AC RD) 2022 CUVA
Jurisdiction	EFFINGHAM GA
Township / Civil Division	RINCON
Census Block Group	1
Census Block	1003
Census Tract	30303

Owner

679 High Bluff Rd is owned and occupied by two individuals who acquired it in October 2006.

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 Record	2 Individual Names on File
Mailing Address	679 HIGH BLUFF RD, RINCON, GA 31326-3612
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE
May 18, 2017	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2006 · Amount on File
Deed Sale	Oct 27, 2006 · Amount on File
Deed Document Number	20063576
Deed Book / Page	1540 / 122
Last Transfer Date	Oct 30, 2006
Transfer Doc	001540/141
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	679 HIGH BLUFF RD, RINCON, GA 31326-3612
Transaction Type	Mortgage
Record Updated	Mar 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	679 HIGH BLUFF RD, RINCON, GA 31326-3612

Mortgage

Document Number	0000002758/0000000962
Date	Jan 26, 2022
Book Page	0000002758/0000000962
Instrument	000771

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jan 1, 2042

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	679 HIGH BLUFF RD, RINCON, GA 31326-3612
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2406/420
Date	May 18, 2017
Book Page	2406/420

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 679 High Bluff Rd was $3,475 with a homeowner's exemption, up 16.1% from the year before.

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		$180,513 (+21.82%) Land $81,956 Building $98,557	$451,283 (+21.82%) Land $204,890 Building $246,393
2025	$3,475.00 (+16.1%) Homeowner's exemption	$148,184 (-0.39%) Land $49,627 Building $98,557	$370,461 (-0.39%) Land $124,068 Building $246,393
2024	$2,993.00 Homeowner's exemption	$148,767 Land $56,098 Building $92,669	$371,918 Land $140,246 Building $231,672
2022	$2,848.00 Homeowner's exemption	$133,937 Land $48,707 Building $85,230	$334,841 Land $121,767 Building $213,074

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 679 High Bluff Rd in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

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

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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

Wildfire risk around 679 High Bluff Rd is moderate, ranking above 40% of the US, with a 0.06% annual chance of 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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