120 S Pine St, Toccoa, GA 30577 Property Records

Stephens County property record for 120 S Pine St, Toccoa, GA 30577 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,498 sqft · built 1940
Lot Size	0.51 acres (22,216 sqft)
Owner	2 Individual Names on File
Last Sale	$175,900 (Apr 2026)
Tax Bill	$1,417 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T11 046`

Property Details

APN / Parcel Number

Primary APN	`T11 046`
Alternative APN	`626850`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,498 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1970
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	22,216 sqft (0.51 acres)
Terrain	Gentle Slope

Exterior Amenities

Porch	Slab
Porch Area	159 sqft
Patio Area	288 sqft
Utility Building	192 sqft

Utilities, Heating & Cooling

Cooling System	Other
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	626850
Street Address	120 S PINE ST
City	TOCCOA
State	GA
Zip	30577-3377
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT BLK 82 MORENO S/D
Legal Subdivision	MORENO
Legal Block	82
Legal Lot Number	BLK
Jurisdiction	STEPHENS GA
Township / Civil Division	TOCCOA
Census Block Group	1
Census Block	1020
Census Tract	970301

Owner

Source: Stephens County records · APN T11 046

Assessment roll updated March 12, 2026 · Last verified July 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	120 S PINE ST, TOCCOA, GA 30577-3377
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 08, 2026 · Amount on Record
Deed Sale	Apr 08, 2026 · Amount on Record
Prior Sale	Jul 27, 2004 · Amount on Record
Deed Document Number	2026971
Deed Book / Page	1445 / 443
Record Updated	Sep 20, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Apr 08, 2026
Property Address	120 S PINE ST, TOCCOA, GA 30577-3377
Document Number	0014450443
Book / Page	1445 / 443
Instrument Date	Mar 16, 2026
Instrument	2026971
Transaction Type	Transfer
Record Updated	Jul 02, 2026

Transaction

Amount	Amount Recorded
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 S PINE ST, TOCCOA, GA 30577-3377
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000097,
Date	Apr 08, 2026
Book Page	1445/449
Instrument	202697

Lender

Name	REGIONS BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 01, 2056

Interest

Rate	6.09%
Max Rate	-1%

Tax Assessment & Valuation

Source: Stephens County records · Assessment roll updated March 12, 2026 · Last verified July 2026

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

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,417.00 (+62.87%)	$40,626 (+65.04%) Land $1,840 Building $38,786	$101,565 (+65.04%) Land $4,600 Building $96,965
2023	$870.00 (+41.46%)	$24,616 (+41.52%) Land $1,840 Building $22,776	$61,541 (+41.52%) Land $4,600 Building $56,941
2022	$615.00	$17,394 Land $1,840 Building $15,554	$43,486 Land $4,600 Building $38,886

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Stephens County (13257C), updated September 26, 2008 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Low above 32% of the US · above 9% of Georgia
Wildfire Likelihood	About 1 in 3,704 per year
Exposure	Direct burnable vegetation at the parcel

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

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 186 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
TruVista Communications	Cable	500 / 50
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Uniti Group, TruVista Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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