1243 Ridgemore Dr, Toccoa, GA 30577 Property Records

Stephens County property record for 1243 Ridgemore Dr, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,880 sqft · built 2018
Lot Size	1.04 acres (45,302 sqft)
Owner	Individual Name on Record
Last Sale	$785,000 (Jan 2023)
Tax Bill	$6,691 (2025)
Deeds & Mortgages	Jan 2023 Sale Sep 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`063F 014B`

Property Details

APN / Parcel Number

Primary APN	`063F 014B`
Alternative APN	`990646`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,880 sqft Heated Area
Basement Area	1,554 sqft
Finished Basement	1,326 sqft
Unfinished Basement	228 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Architectural Style	Ranch
Exterior Material	Fiber Cement Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	45,302 sqft (1.04 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Terrain	Rolling

Exterior Amenities

Porch	Porch
Porch Area	325 sqft
Deck Area	25 sqft
Patio Area	288 sqft
Utility Building	80 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric
Water Source	Commercial

Location & Zoning

Account Number	990646
Street Address	1243 RIDGEMORE DR
City	TOCCOA
State	GA
Zip	30577-7526
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 3 CURRAHEE POINT SHORES
Legal Subdivision	CURRAHEE POINT SHORES
Legal Lot Number	3
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 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	1243 RIDGEMORE DR, TOCCOA, GA 30577-7526
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2023	Warranty Deed, Transfer
Sep 4, 2019	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BK & TR CO
Aug 16, 2019	Deed of Trust, Mortgage FIRST CITIZENS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 30, 2023 · Amount on Record
Deed Sale	Jan 30, 2023 · Amount on Record
Prior Sale	Sep 24, 2018 · Amount on Record
Deed Document Number	0001320420
Deed Book / Page	1320 / 420
Record Updated	Jun 8, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Jan 30, 2023
Property Address	1243 RIDGEMORE DR, TOCCOA, GA 30577-7526
Document Number	0013200420
Book / Page	1320 / 420
Instrument Date	Jan 30, 2023
Instrument	2023-000104
Transaction Type	Transfer
Record Updated	Feb 20, 2023

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	1243 RIDGEMORE DR, TOCCOA, GA 30577-7526

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	1243 RIDGEMORE DR, TOCCOA, GA 30577-7526
Document Number	0011890132
Instrument Date	Sep 4, 2019
Transaction Type	Mortgage
Record Updated	Sep 25, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1243 RIDGEMORE DR TOCCOA GA 305777526, TOCCOA, GA 30577-7526

Mortgage

Document Number	0011890132
Date	Sep 18, 2019
Book Page	001189/000132

Lender

Name	FIRST CITIZENS BK & TR CO
Address	RALEIGH, NC 27611-6592

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 17, 2044

Interest

Rate Type	Adjustable Rate

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	1243 RIDGEMORE DR, TOCCOA, GA 30577-7526
Document Number	0011870017
Instrument Date	Aug 16, 2019
Transaction Type	Mortgage
Record Updated	Sep 6, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1243 RIDGEMORE DR TOCCOA GA 305777526, TOCCOA, GA 30577-7526

Mortgage

Document Number	0011870017
Date	Aug 21, 2019
Book Page	001187/000017

Lender

Name	FIRST CITIZENS BK
Type	Bank
Address	COLUMBIA, SC 29211

Agreement

Amount	Amount Recorded
Term	300 Months
Due	Aug 20, 2044

Tax Assessment & Valuation

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

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	$6,691.00 (+20.78%) Homeowner's exemption	$294,752 (+56.68%) Land $35,264 Building $259,488	$736,881 (+56.68%) Land $88,160 Building $648,721
2023	$5,540.00 (+10.91%) Homeowner's exemption	$188,120 (+12.1%) Land $35,264 Building $152,856	$470,300 (+12.1%) Land $88,160 Building $382,140
2022	$4,995.00 Homeowner's exemption	$167,816 Land $35,264 Building $132,552	$419,539 Land $88,160 Building $331,379

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
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 96% of the US · lower than 98.5% of Georgia
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
West Carolina Rural Telephone Cooperative Fiber	8,000 / 8,000

May also be available: HTC, Spectrum, Verizon.

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