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Single Family ResidenceResidential
$416,891$176 / 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 91How 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

118 STEPHENS DR

RINCON, GA 31326
2
Baths
2,365 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.
0.88 ac
Lot SizeThe size of the land the home sits on, from county records.
1997
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
4
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$417K
$379K low$454K high
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.$161,891
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$129,513
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.63%
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.$200,000
GEORGIA BANK & TRUST · recorded Mar 20, 2012
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.$55,000
SUNTRUST BANK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,807 (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.$144,051 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$30,818
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$113,233
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$155,920
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$360,128

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.51
37
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
38
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
92
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
78
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.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.7 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%

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
Lot (acres)The size of the land the home sits on, from county records.0.88
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
GarageWhether the property has a garage, and details like whether it is attached to the home.Mixed
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 204 ft²Patio · 204 ft²Porch · 360 ft²

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

E
Blandford Elementary SchoolA+
Elementary · Grades PK–5 · 1.3 mi
M
Ebenezer Middle SchoolB-
Middle · Grades 6–8 · 6.5 mi
H
South Effingham High SchoolB+
High · Grades 9–12 · 7.8 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.Owner occupied
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

118 Stephens 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.

  • Worth more than 78% of homes in Rincon 31326
  • Bigger than 75% of homes in Rincon 31326
  • Has a bigger lot than 69% of homes in Rincon 31326

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 78% 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$416,891
CheaperTypical $326,224Pricier

Pricier than 78% of homes nearby

Price per ft²$176
CheaperTypical $181Pricier

Pricier than 44% of homes nearby

Living area2,365 ft²
SmallerTypical 1,826 ft²Bigger

Bigger than 75% of homes nearby

Lot size0.88 ac
SmallerTypical 0.51 acBigger

Bigger than 69% of homes nearby

Year built1997
OlderTypical 2002Newer

Newer than 37% of homes nearby

How 118 Stephens Dr ranks against every home in each area.
MeasureThis homeRincon 31326Effingham County
Estimated valuepricier than$416,89178% of homes76% of homes
Price per ft²pricier than$17644% of homes46% of homes
Living areabigger than2,365 ft²75% of homes75% of homes
Lot sizebigger than0.88 ac69% of homes60% of homes
Year builtnewer than199737% of homes37% of homes

About 118 Stephens Dr

How much is 118 Stephens Dr, Rincon, GA worth?

The TopHap Estimate for 118 Stephens Dr, Rincon, GA is $416,891 as of Jul 14, 2026. The likely range is $379,447 to $454,335. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 118 Stephens Dr, Rincon, GA last sell?

118 Stephens Dr, Rincon, GA last sold on Aug 24, 2021, according to the county's recorded deed.

How big is 118 Stephens Dr, Rincon, GA?

118 Stephens Dr, Rincon, GA has 2 bathrooms, 2,365 square feet of living space and a 0.88-acre lot.

When was 118 Stephens Dr, Rincon, GA built?

118 Stephens Dr, Rincon, GA was built in 1997, making it 29 years old. The building has 1 story.

What schools serve 118 Stephens Dr, Rincon, GA?

118 Stephens Dr, Rincon, GA is assigned to Blandford Elementary School (elementary), rated A+; Ebenezer Middle School (middle), rated B-; South Effingham 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 118 Stephens Dr, Rincon, GA compare to other homes in Rincon 31326?

Among the 8,517 homes in Rincon 31326, it is worth more than 78% of them ($416,891 against a typical $326,224), its price per square foot is higher than 44% of them ($176 against a typical $181), it is bigger than 75% of them (2,365 ft² against a typical 1,826 ft²), its lot is bigger than 69% of them (0.88 ac against a typical 0.51 ac) and it is newer than 37% of them (1997 against a typical 2002). Measured against all of Effingham County, it is worth more than 76% 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 118 Stephens Dr, Rincon, GA?

The 2025 property tax bill for 118 Stephens Dr, Rincon, GA was $4,807. The county assessed it at $144,051.

Closest homes

More homes in Rincon 31326

Assigned schools

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