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Single Family ResidenceResidential
$313,055$180 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 97How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $225,000 on Jul 13, 2021

109 COTTONWOOD DR

RINCON, GA 31326
3
Beds
2
Baths
1,736 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.55 ac
Lot SizeThe size of the land the home sits on, from county records.
1998
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$313K
$303K low$323K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$225,000 · Jul 13, 2021
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$13,875
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$11,100
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.98%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$264,180
MORTGAGE RESEARCH CENTER · recorded Jul 13, 2021
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$35,000
CARRINGTON MORTGAGE SERVICES

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,615 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$104,770 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$22,800
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$81,970
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$114,505
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$261,924

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.45
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
36
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
93
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
84
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
11
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyEffingham
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.2000
Lot (acres)The size of the land the home sits on, from county records.0.55
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Mat/Raft Foundation (Slab)
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 100 ft²Porch · 115 ft²

Transaction History(3)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Ebenezer Middle SchoolB-
Middle · Grades 6–8 · 2.4 mi
E
Ebenezer Elementary SchoolA-
Elementary · Grades PK–5 · 2.4 mi
H
Effingham County High SchoolB-
High · Grades 9–12 · 8.0 mi

District: Effingham County School District

Neighborhood · ZIP 31326These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.107
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.65
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.92

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.21%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.4%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.26,696
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.303 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$90,635
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$109,202
Average tempThe average temperature here across a full year.66°F
Annual precipHow much rain and melted snow falls here in a typical year.50 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.62%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

109 Cottonwood Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

What homes are worth in Rincon 31326

Each bar is how many homes fall in that price range. The marker is this home.

This home
$166K$649K

This home is worth more than 44% of homes in Rincon 31326.

How it measures up in Rincon 31326

The dot is this home. The mark in the middle is the typical home in Rincon 31326.

Estimated value$313,055
CheaperTypical $326,224Pricier

Pricier than 44% of homes nearby

Price per ft²$180
CheaperTypical $181Pricier

Pricier than 50% of homes nearby

Living area1,736 ft²
SmallerTypical 1,826 ft²Bigger

Bigger than 44% of homes nearby

Lot size0.55 ac
SmallerTypical 0.51 acBigger

Bigger than 55% of homes nearby

Year built1998
OlderTypical 2002Newer

Newer than 39% of homes nearby

How 109 Cottonwood Dr ranks against every home in each area.
MeasureThis homeRincon 31326Effingham County
Estimated valuepricier than$313,05544% of homes45% of homes
Price per ft²pricier than$18050% of homes50% of homes
Living areabigger than1,736 ft²44% of homes45% of homes
Lot sizebigger than0.55 ac55% of homes44% of homes
Year builtnewer than199839% of homes40% of homes

About 109 Cottonwood Dr

How much is 109 Cottonwood Dr, Rincon, GA worth?

The TopHap Estimate for 109 Cottonwood Dr, Rincon, GA is $313,055 as of Jul 14, 2026. The likely range is $303,410 to $322,700. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 109 Cottonwood Dr, Rincon, GA last sell?

109 Cottonwood Dr, Rincon, GA last sold on Jul 13, 2021 for $225,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 109 Cottonwood Dr, Rincon, GA?

109 Cottonwood Dr, Rincon, GA has 3 bedrooms, 2 bathrooms, 1,736 square feet of living space and a 0.55-acre lot.

When was 109 Cottonwood Dr, Rincon, GA built?

109 Cottonwood Dr, Rincon, GA was built in 1998, making it 28 years old. The building has 1 story.

What schools serve 109 Cottonwood Dr, Rincon, GA?

109 Cottonwood Dr, Rincon, GA is assigned to Ebenezer Middle School (middle), rated B-; Ebenezer Elementary School (elementary), rated A-; Effingham County High School (high), rated B-. All sit in Effingham County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 109 Cottonwood Dr, Rincon, GA compare to other homes in Rincon 31326?

Among the 8,517 homes in Rincon 31326, it is worth more than 44% of them ($313,055 against a typical $326,224), its price per square foot is higher than 50% of them ($180 against a typical $181), it is bigger than 44% of them (1,736 ft² against a typical 1,826 ft²), its lot is bigger than 55% of them (0.55 ac against a typical 0.51 ac) and it is newer than 39% of them (1998 against a typical 2002). Measured against all of Effingham County, it is worth more than 45% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 109 Cottonwood Dr, Rincon, GA?

The 2025 property tax bill for 109 Cottonwood Dr, Rincon, GA was $3,615. The county assessed it at $104,770.

Closest homes

More homes in Rincon 31326

Assigned schools

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