109 Apple Ridge Rd, Toccoa, GA 30577 Property Records

Stephens County property record for 109 Apple Ridge Rd, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,425 sqft · built 2003
Lot Size	0.74 acres (32,234 sqft)
Owner	Individual Name on File
Last Sale	$130,000 (Aug 2017)
Tax Bill	$1,105 (2025)
Deeds & Mortgages	Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`042D 158`

Property Details

APN / Parcel Number

Primary APN	`042D 158`
Alternative APN	`380325`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,425 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2005
Architectural Style	Ranch
Exterior Material	Brick/Stone
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	32,234 sqft (0.74 acres)
Garage Type	Carport
Garage Area	280 sqft
Carport	Carport
Carport Area	280 sqft
Porch	Slab
Porch Area	198 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	380325
Street Address	109 APPLE RIDGE RD
City	TOCCOA
State	GA
Zip	30577-8832
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOTS 8A & 9 APPLE RIDGE S/D
Legal Subdivision	APPLE RIDGE
Legal Lot Number	8A,9
Jurisdiction	STEPHENS GA
Township / Civil Division	ROCK CREEK
Census Block Group	1
Census Block	1019
Census Tract	970202

Owner

109 Apple Ridge Rd is owned and occupied by an individual who bought it in August 2017.

Source: Stephens County records, as of March 12, 2026

Owner of Record	Individual Name on File
Mailing Address	109 APPLE RIDGE RD, TOCCOA, GA 30577-8832
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 3, 2017 · Amount on File
Deed Sale	Aug 3, 2017 · Amount on File
Prior Sale	Aug 22, 2007 · Amount on File
Deed Document Number	2017847
Deed Book / Page	1128 / 369
Prior Transfer Date	Mar 25, 2005
Prior Transfer Doc	0007020261
Record Updated	Jun 8, 2026

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STEPHENS GA
Recording Date	Aug 9, 2017
Property Address	109 APPLE RIDGE RD, TOCCOA, GA 30577-8832
Document Number	0011280369
Book / Page	001128 / 000369
Instrument Date	Aug 3, 2017
Transaction Type	Transfer
Record Updated	Aug 27, 2018
Title Company	OTHER

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$130.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 BRIARCREST DR JEFFERSON GA 305497267, JEFFERSON, GA 30549-7267
Investor	Possibly a Property Investor

Mortgage

Document Number	11280371
Date	Aug 9, 2017
Book Page	001128/000371

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 8, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 109 Apple Ridge Rd was $1,105 with exemptions applied.

Source: Stephens County assessment roll, as of March 12, 2026

Property Jurisdictions

Type	Name
State	Georgia
County	Stephens County
Unified School District	Stephens County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,105.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$92,460 Land $4,168 Building $88,292	$231,149 Land $10,420 Building $220,729
2023	$615.00 (-61.2%) Homeowner's exemption	$56,625 (+6.34%) Land $4,168 Building $52,457	$141,562 (+6.34%) Land $10,420 Building $131,142
2022	$1,585.00 Homeowner's exemption	$53,250 Land $4,168 Building $49,082	$133,126 Land $10,420 Building $122,706

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 109 Apple Ridge Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 26, 2008

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Wildfire risk around 109 Apple Ridge Rd is moderate, ranking above 42% of the US, with a 0.08% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 42% of the US · lower than 65% of Georgia
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOCCOA serves 28,711 people · EPA ID GA2570001
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2020–2022) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2024 Haloacetic acids resolved · Apr 2024
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 73 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TruVista Communications Cable	500 / 50
Verizon Fixed Wireless	300 / 20
Windstream DSL	200 / 20