120 Ridgemore Cir, Toccoa, GA 30577 Property Records

Stephens County property record for 120 Ridgemore Cir, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,772 sqft · built 1990
Lot Size	0.58 acres (25,265 sqft)
Owner	2 Individual Names on Record
Last Sale	$438,600 (May 2026)
Tax Bill	$1,572 (2023)
Deeds & Mortgages	May 2026 Sale & Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`064F 024`

Property Details

APN / Parcel Number

Primary APN	`064F 024`
Alternative APN	`234000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,772 sqft Heated Area
Basement Area	732 sqft
Finished Basement	732 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2000
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	25,265 sqft (0.58 acres)
Terrain	Gentle Slope
Garage Area	240 sqft

Exterior Amenities

Porch	Slab
Porch Area	200 sqft
Deck Area	60 sqft
Patio Area	172 sqft
Canopy	440 sqft
Utility Building	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	234000
Street Address	120 RIDGEMORE CIR
City	TOCCOA
State	GA
Zip	30577-7104
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	OFF RIDGEMORE DR LOTS 5,5A, 6 + 1/3 OF 3A
Legal Subdivision	RIDGEMORE DR
Legal Lot Number	5,6
Jurisdiction	STEPHENS GA
Township / Civil Division	ROCK CREEK
Census Block Group	2
Census Block	2003
Census Tract	970201

Owner

Source: Stephens County records, as of July 20, 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 Record
Mailing Address	120 RIDGEMORE CIR, TOCCOA, GA 30577-7104
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2026	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE MORTGAGE
Jun 11, 2018	Warranty Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 18, 2026 · Amount on Record
Deed Sale	May 18, 2026 · Amount on Record
Prior Sale	Jun 7, 2018 · Amount on Record
Deed Document Number	20261463
Deed Book / Page	1450 / 358
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	May 18, 2026
Property Address	120 RIDGEMORE CIR, TOCCOA, GA 30577-7104
Document Number	0000001463
Book / Page	1450 / 358
Instrument Date	May 15, 2026
Instrument	20261463
Transaction Type	Transfer
Record Updated	Jul 20, 2026

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 RIDGEMORE CIR, TOCCOA, GA 30577-7104

Mortgage

Document Number	0000000014,
Date	May 18, 2026
Book Page	1450/361
Instrument	202614

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Jun 11, 2018
Property Address	120 RIDGEMORE CIR, TOCCOA, GA 30577-7104
Document Number	0011520165
Book / Page	001152 / 000165
Instrument Date	Jun 7, 2018
Transaction Type	Transfer
Record Updated	Jun 28, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$184.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 RIDGEMORE CIR TOCCOA GA 305777104, TOCCOA, GA 30577-7104

Mortgage

Document Number	11520166
Date	Jun 11, 2018
Book Page	001152/000166

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 10, 2048

Tax Assessment & Valuation

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	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$87,361 (+59.34%) Land $6,064 Building $81,297	$218,401 (+59.34%) Land $15,159 Building $203,242
2023	$1,572.00 (+2.01%) Homeowner's exemption	$54,826 (+5.9%) Land $6,064 Building $48,762	$137,064 (+5.9%) Land $15,159 Building $121,905
2022	$1,541.00 Homeowner's exemption	$51,771 Land $6,064 Building $45,707	$129,426 Land $15,159 Building $114,267

Assessed value is set for property tax purposes, not a market price estimate; it is 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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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	Low lower than 80% of the US · lower than 94% of Georgia
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
HTC Cable	1,000 / 50

May also be available: Spectrum, Verizon, West Carolina Rural Telephone Cooperative.

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Ridgemore Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures