Stephens County property record for 108 Cottage Ln, Toccoa, GA 30577
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 5 ba · 4,146 sqft · built 2008 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $625,000 (Apr 2022) |
| Tax Bill | $9,858 (2025) |
| Deeds & Mortgages | Apr 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 057 122 |
| Primary APN | 057 122 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 4,146 sqft Heated Area |
| Basement Area | 2,073 sqft |
| Finished Basement | 2,073 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2012 |
| Architectural Style | Ranch |
| Exterior Material | Fiber Cement Siding |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 10,019 sqft (0.23 acres) |
| Porch | Porch |
| Porch Area | 425 sqft |
| Patio Area | 176 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Electric |
| Account Number | 280302 |
|---|---|
| Street Address | 108 COTTAGE LN |
| City | TOCCOA |
| State | GA |
| Zip | 30577-2563 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS |
| Legal Description | LOT 7 SECTION Y CURRAHEE CLUB |
| Legal Subdivision | CURRAHEE CLUB |
| Legal Lot Number | 7 |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | ROCK CREEK |
| Census Block Group | 4 |
| Census Block | 4013 |
| Census Tract | 970202 |
Source: Stephens County records, as of March 11, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 647A EAST AVE NE # 1A, 1A, ATLANTA, GA 30312-1448 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 28, 2022 · Amount on Record |
| Deed Sale | Apr 28, 2022 · Amount on Record |
| Prior Sale | Oct 14, 2005 · Amount on Record |
| Deed Document Number | 0001295173 |
| Deed Book / Page | 1295 / 173 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Apr 28, 2022 |
| Property Address | 108 COTTAGE LN, TOCCOA, GA 30577-2563 |
| Document Number | 0012950173 |
| Book / Page | 1295 / 173 |
| Instrument Date | Apr 28, 2022 |
| Instrument | 2022-000643 |
| Transaction Type | Transfer |
| Record Updated | Aug 4, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 647A EAST AVE NE # 1A, 1A, ATLANTA, GA 30312-1448 |
| Document Number | 0012950000000176 |
|---|---|
| Date | Apr 29, 2022 |
| Book Page | 0000001295/0000000176 |
| Name | FAIRWAY INDEPENDENT MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2052 |
Source: Stephens County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Georgia |
| County | Stephens County |
| Unified School District | Stephens County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,858.00 (+50.96%) | $359,138 (+63.71%) Land $27,400 Building $331,738 | $897,844 (+63.71%) Land $68,500 Building $829,344 |
| 2023 | $6,530.00 | $219,378 Land $27,400 Building $191,978 | $548,446 Land $68,500 Building $479,946 |
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.
Source: FEMA National Flood Hazard Layer, effective September 26, 2008 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · above 47% of Georgia |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber · DSL in parts of the area | 1,000 / 1,000 |
5G and 4G LTE (outdoors only)
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