Stephens County property record for 11 Cloverhurst Dr, Toccoa, GA 30577
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,008 sqft · built 1950 |
| Lot Size | 0.36 acres (15,682 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $224,000 (Jan 2026) |
| Tax Bill | $534 (2025) |
| Deeds & Mortgages | Jan 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T20 079 |
| Primary APN | T20 079 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,008 sqft Heated Area |
| Gross Area | 510 sqft |
| Basement Area | 864 sqft |
| Unfinished Basement | 864 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 15,682 sqft (0.36 acres) |
| Terrain | Gentle Slope |
| Porch | Slab |
| Porch Area | 192 sqft |
| Cooling System | None |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 642200 |
|---|---|
| Street Address | 11 CLOVERHURST DR |
| City | TOCCOA |
| State | GA |
| Zip | 30577-5829 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-IB |
| Legal Description | PT LOTS 19 & 20 F A MABRY S/D |
| Legal Subdivision | F A MABRY S/D |
| Legal Lot Number | 19,20 |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | TOCCOA |
| Census Block Group | 4 |
| Census Block | 4060 |
| Census Tract | 970301 |
Source: Stephens County assessment roll, as of March 12, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 11 CLOVERHURST DR, TOCCOA, GA 30577-5829 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 23, 2026 · Amount on Record |
| Deed Sale | Jan 23, 2026 · Amount on Record |
| Prior Sale | Aug 6, 2024 · Amount on Record |
| Deed Book / Page | 1437 / 6 |
| Record Updated | Sep 20, 2026 |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Jan 23, 2026 |
| Property Address | 11 CLOVERHURST DR, TOCCOA, GA 30577-5829 |
| Document Number | 0014370006 |
| Book / Page | 1437 / 6 |
| Instrument Date | Jan 21, 2026 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2.24 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 11 CLOVERHURST DR, TOCCOA, GA 30577-5829 |
| Document Number | 0000014378 |
|---|---|
| Date | Jan 23, 2026 |
| Instrument | 1437/8 |
| Name | BARRETT FINANCIAL GROUP |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2056 |
Source: Stephens County assessment roll, as of March 12, 2026
| Type | Name |
|---|---|
| State | Georgia |
| County | Stephens County |
| Municipality | Toccoa City |
| Unified School District | Stephens County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $534.00 (+50.85%) | $15,315 (+52.95%) Land $1,535 Building $13,780 | $38,288 (+52.95%) Land $3,838 Building $34,450 |
| 2023 | $354.00 (+17.22%) | $10,013 (+16.92%) Land $1,535 Building $8,478 | $25,033 (+16.92%) Land $3,838 Building $21,195 |
| 2022 | $302.00 | $8,564 Land $1,535 Building $7,029 | $21,410 Land $3,838 Building $17,572 |
Assessed value is set for property tax purposes, not a market price estimate; it is 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 | 5 in force |
| Nearby Flood Claims | 1 (2009) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2009 · Severe Storms And Flooding |
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 | Low lower than 64% of the US · lower than 87% of Georgia |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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 |
| 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.
Source: FCC Broadband Data Collection, based on 247 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Uniti Group Fiber · DSL in parts of the area | 2,000 / 2,000 |
| TruVista Communications Cable | 500 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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