114 Watson St, Toccoa, GA 30577 Property Records

Stephens County property record for 114 Watson St, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,344 sqft · built 1979
Lot Size	0.66 acres (28,750 sqft)
Owner	Individual Name on Record
Last Sale	$348,000 (Apr 2023)
Tax Bill	$3,753 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Feb 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`T09 053`

Property Details

APN / Parcel Number

Primary APN	`T09 053`
Alternative APN	`799350`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,344 sqft Heated Area
Basement Area	1,672 sqft
Finished Basement	1,672 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 2011
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	28,750 sqft (0.66 acres)
Terrain	Gentle Slope
Porch	Porch
Deck Area	80 sqft
Patio Area	264 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Account Number	799350
Street Address	114 WATSON ST
City	TOCCOA
State	GA
Zip	30577-1612
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-IA
Legal Description	WATSON ST
Jurisdiction	STEPHENS GA
Township / Civil Division	TOCCOA
Census Block Group	2
Census Block	2033
Census Tract	970101

Owner

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
Co-owner	Co-owner on Record
Mailing Address	114 WATSON ST, TOCCOA, GA 30577-1612
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 15, 2024	Deed of Trust, Mortgage · VA Mortgage SWIFT HOME LOANS
Feb 29, 2024	Deed of Trust, Mortgage · VA Mortgage SWIFT HOME LOANS
Nov 4, 2024	Deed of Trust, Mortgage · VA Mortgage SWIFT HOME LOANS
Apr 28, 2023	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER
Oct 4, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 28, 2023 · Amount on Record
Deed Sale	Apr 28, 2023 · Amount on Record
Prior Sale	Oct 4, 2021 · Amount on Record
Deed Document Number	0001328470
Deed Book / Page	1328 / 470
Record Updated	Jun 8, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	114 WATSON ST, TOCCOA, GA 30577-1612
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 WATSON ST, TOCCOA, GA 30577-1612

Mortgage

Document Number	0013570000000347
Date	Feb 15, 2024
Book Page	0000001357/0000000347

Lender

Name	SWIFT HOME LOANS

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2054

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	114 WATSON ST, TOCCOA, GA 30577-1612
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 WATSON ST, TOCCOA, GA 30577-1612

Mortgage

Document Number	0013590000000013
Date	Feb 29, 2024
Book Page	0000001359/0000000013

Lender

Name	SWIFT HOME LOANS

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2054

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	114 WATSON ST, TOCCOA, GA 30577-1612
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 WATSON ST, TOCCOA, GA 30577-1612

Mortgage

Document Number	0013860000000260
Date	Nov 4, 2024
Book Page	0000001386/0000000260
Instrument	D2024-001997

Lender

Name	SWIFT HOME LOANS

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2054

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Apr 28, 2023
Property Address	114 WATSON ST, TOCCOA, GA 30577-1612
Document Number	0013280470
Book / Page	1328 / 470
Instrument Date	Apr 28, 2023
Instrument	2023-000478
Transaction Type	Transfer
Record Updated	May 26, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 WATSON ST, TOCCOA, GA 30577-1612

Mortgage

Document Number	2023000556
Date	Apr 28, 2023
Instrument	2023000556

Lender

Name	MORTGAGE RESEARCH CENTER

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Jan 1, 2053

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Oct 4, 2021
Property Address	114 WATSON ST, TOCCOA, GA 30577-1612
Document Number	0012690212
Book / Page	1269 / 212
Instrument Date	Oct 4, 2021
Instrument	2021-001409
Transaction Type	Transfer
Record Updated	Oct 25, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 WATSON ST, TOCCOA, GA 30577-1612

Tax Assessment & Valuation

Source: Stephens County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,753.00 (+55.15%) Homeowner's exemption Senior Citizen's exemption	$165,091 (+68.86%) Land $4,182 Building $160,909	$412,729 (+68.86%) Land $10,456 Building $402,273
2023	$2,419.00 (-17.16%) Homeowner's exemption	$97,770 (+18.4%) Land $4,182 Building $93,588	$244,425 (+18.39%) Land $10,456 Building $233,969
2022	$2,920.00 Homeowner's exemption	$82,579 Land $4,182 Building $78,397	$206,449 Land $10,456 Building $195,993

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

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	6 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.

Wildfire

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

Wildfire Risk	Moderate above 53% of the US · above 74% 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.

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 84 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TruVista Communications Cable · Fiber in parts of the area	500 / 50

May also be available: Windstream.

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