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98 Stephens Dr, Rincon, GA 31326 Property Records

Effingham County property record for 98 Stephens Dr, Rincon, GA 31326 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details2 ba · 1,725 sqft · built 1999
Lot Size0.55 acres (23,958 sqft)
Owner2 Individual Names on File
Last Sale$22,000 (Apr 1999)
Tax Bill$3,291 (2025)
Deeds & MortgagesFeb 2017 Mortgage
Apr 2021 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN0465C-070-000

Property Details

APN / Parcel Number

Primary APN0465C-070-000
Alternative APNs
  • 0102K070000
  • 0465C070
  • 19554

Interior

Full Baths2 Baths
Stories1 Story
Building Area1,725 sqft Heated Area
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1999
Exterior MaterialBrick Veneer
Foundation TypeSlab (Mat/Raft)
Roof TypeShed Roof
Roof MaterialFiberglass
Lot Area23,958 sqft (0.55 acres)
Garage Area480 sqft
PorchOpen Porch
Porch Area274 sqft
Storage Building500 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number19554
Old Parcel Number0465C070
Street Address98 STEPHENS DR
CityRINCON
StateGA
Zip31326-5425
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description.55 AC LOT 70
Legal SubdivisionWATERFORD
Legal Lot Number70
JurisdictionEFFINGHAM GA
Township / Civil DivisionRINCON
Census Block Group2
Census Block2030
Census Tract30309

Owner

Source: Effingham County records · APN 0465C-070-000

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address98 STEPHENS DR, RINCON, GA 31326-5425
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 21, 2017Deed of Trust, Mortgage · FHA Mortgage
WEI MORTGAGE
Apr 07, 2021Deed of Trust, Mortgage · FHA Mortgage
FREEDOM MORTGAGE
May 11, 2023Deed of Trust, Mortgage · Line of Credit
TRUIST BANK
Aug 11, 2025Deed of Trust, Mortgage · Conventional Mortgage
GEORGIA HERITAGE FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 23, 1999 · Amount on Record
Deed SaleApr 23, 1999 · Amount on Record
Deed Document Number0000056289
Record UpdatedJun 08, 2026

February 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionEFFINGHAM GA
Property Address98 STEPHENS DR, RINCON, GA 31326-5425
Transaction TypeMortgage
Record UpdatedDec 22, 2025

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0002391/22
DateFeb 21, 2017
Book Page2391/22
Instrument001423
Lender
NameWEI MORTGAGE
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term276 Months
DueFeb 01, 2040

April 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionEFFINGHAM GA
Property Address98 STEPHENS DR, RINCON, GA 31326-5425
Transaction TypeMortgage
Record UpdatedDec 22, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address98 STEPHENS DR, RINCON, GA 31326-5425

Mortgage

Document Number0000002678/0000000273
DateApr 07, 2021
Book Page0000002678/0000000273
Instrument004110
Lender
NameFREEDOM MORTGAGE
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term228 Months
DueJan 01, 2040

May 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionEFFINGHAM GA
Property Address98 STEPHENS DR, RINCON, GA 31326-5425
Transaction TypeMortgage
Record UpdatedDec 22, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address98 STEPHENS DR, RINCON, GA 31326-5425

Mortgage

Document Number0000002847/0000000423
DateMay 11, 2023
Book Page0000002847/0000000423
Instrument2023003836
Lender
NameTRUIST BANK
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueJan 01, 2053

August 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionEFFINGHAM GA
Property Address98 STEPHENS DR, RINCON, GA 31326-5425
Transaction TypeMortgage
Record UpdatedDec 22, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address98 STEPHENS DR, RINCON, GA 31326-5425

Mortgage

Document Number0000002989/0000000067
DateAug 11, 2025
Book Page0000002989/0000000067
Lender
NameGEORGIA HERITAGE FEDERAL CREDIT UNION
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueJan 01, 2040

Tax Assessment & Valuation

Source: Effingham County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

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

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$3,291.00 (+7.9%) Homeowner's exemption$105,048 (-9.45%) Land $21,835 Building $83,213$262,621 (-9.45%) Land $54,588 Building $208,033
2024$3,050.00 (+8.97%) Homeowner's exemption$116,014 (+31.42%) Land $22,800 Building $93,214$290,034 (+31.42%) Land $57,000 Building $233,034
2022$2,799.00 Homeowner's exemption$88,276 Land $18,800 Building $69,476$220,690 Land $47,000 Building $173,690

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Effingham County (13103C), updated October 1, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskModerate
above 40% of the US · above 26% of Georgia
Wildfire LikelihoodAbout 1 in 1,852 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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