124 Willow Creek Trl, Toccoa, GA 30577 Property Records

Stephens County property record for 124 Willow Creek Trl, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,893 sqft · built 2007
Lot Size	2.31 acres (100,624 sqft)
Owner	2 Individual Names on File
Last Sale	$389,900 (Jul 2019)
Tax Bill	$5,662 (2025)
Deeds & Mortgages	Jun 2020 Line of Credit Jul 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`042D 146`

Property Details

APN / Parcel Number

Primary APN	`042D 146`
Alternative APN	`347408`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,893 sqft Heated Area
Basement Area	1,893 sqft
Finished Basement	1,331 sqft
Unfinished Basement	562 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	100,624 sqft (2.31 acres)
Garage Area	462 sqft

Exterior Amenities

Pool Area	480 sqft
Porch	Slab
Porch Area	628 sqft
Deck Area	289 sqft
Patio Area	289 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	347408
Street Address	124 WILLOW CREEK TRL
City	TOCCOA
State	GA
Zip	30577-8112
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOTS 5 & 6B WILLOW CREEK S/D
Legal Subdivision	WILLOW CREEK
Legal Lot Number	5+
Jurisdiction	STEPHENS GA
Township / Civil Division	ROCK CREEK
Census Block Group	1
Census Block	1019
Census Tract	970202

Owner

124 Willow Creek Trl is owned and occupied by two individuals who bought it in July 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	124 WILLOW CREEK TRL, TOCCOA, GA 30577-8112
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

Date	Document
Jun 8, 2020	Deed of Trust, Mortgage · Line of Credit SOUTH ST BK
Jul 16, 2019	Grant Deed, Transfer · Conventional Mortgage USAA
Jul 16, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 11, 2019 · Amount on File
Deed Sale	Jul 11, 2019 · Amount on File
Prior Sale	Oct 14, 2005 · Amount on File
Deed Document Number	2019835
Deed Book / Page	1184 / 7
Prior Transfer Date	Jun 7, 2019
Prior Transfer Doc	0011840004
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	124 WILLOW CREEK TRL, TOCCOA, GA 30577-8112
Document Number	0012120482
Instrument Date	Jun 8, 2020
Transaction Type	Mortgage
Record Updated	Jul 2, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 WILLOW CREEK TRL TOCCOA GA 305778112, TOCCOA, GA 30577-8112

Mortgage

Document Number	0012120482
Date	Jun 12, 2020
Book Page	001212/000482

Lender

Name	SOUTH ST BK
Type	Bank
Address	CHARLESTON, SC 29423-9910

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jun 11, 2030

Interest

Rate Type	Adjustable Rate

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STEPHENS GA
Recording Date	Jul 16, 2019
Property Address	124 WILLOW CREEK TRL, TOCCOA, GA 30577-8112
Document Number	0011840007
Book / Page	001184 / 000007
Instrument Date	Jul 11, 2019
Transaction Type	Transfer
Record Updated	Jul 30, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$389.90
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	124 WILLOW CREEK TRL TOCCOA GA 305778112, TOCCOA, GA 30577-8112

Mortgage

Document Number	11840008
Date	Jul 16, 2019
Book Page	001184/000008

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jul 15, 2039

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STEPHENS GA
Recording Date	Jul 16, 2019
Property Address	124 WILLOW CREEK TRL, TOCCOA, GA 30577-8112
Document Number	0011840004
Book / Page	001184 / 000004
Instrument Date	Jun 7, 2019
Transaction Type	Transfer
Record Updated	Jul 29, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 WILLOW CREEK TRL TOCCOA GA 305778112, TOCCOA, GA 30577-8112

Tax Assessment & Valuation

The 2025 property tax bill for 124 Willow Creek Trl was $5,662 with a homeowner's exemption.

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	$5,662.00 Homeowner's exemption	$250,966 Land $5,726 Building $245,240	$627,415 Land $14,314 Building $613,101
2023	$4,575.00 (+5.9%) Homeowner's exemption	$155,688 (+7.29%) Land $5,726 Building $149,962	$389,220 (+7.29%) Land $14,314 Building $374,906
2022	$4,320.00 Homeowner's exemption	$145,116 Land $5,726 Building $139,390	$362,789 Land $14,314 Building $348,475

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 124 Willow Creek Trl in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
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 124 Willow Creek Trl is low, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 82% of Georgia
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 28 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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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