131 Oak Cliff Dr, Toccoa, GA 30577 Property Records

Stephens County property record for 131 Oak Cliff Dr, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,224 sqft · built 1992
Lot Size	0.74 acres (32,234 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,559 (2025)
Deeds & Mortgages	Sep 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T08 028`

Property Details

APN / Parcel Number

Primary APN	`T08 028`
Alternative APN	`498600`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,224 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1996
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	32,234 sqft (0.74 acres)
Terrain	Gentle Slope
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	498600
Street Address	131 OAK CLIFF DR
City	TOCCOA
State	GA
Zip	30577-8311
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-IA
Legal Description	OAK CLIFF DR LOT 73 GREEN ACRES S/D
Legal Subdivision	GREEN ACRES S/D
Legal Lot Number	73
Jurisdiction	STEPHENS GA
Township / Civil Division	TOCCOA
Census Block Group	2
Census Block	2030
Census Tract	970101

Owner

131 Oak Cliff Dr is owned and occupied by two individuals who acquired it in September 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	131 OAK CLIFF DR, TOCCOA, GA 30577-8311
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 2, 2025
Deed Sale	Sep 2, 2025
Prior Sale	Jan 16, 2013 · Amount on File
Deed Document Number	20252720
Deed Book / Page	1420 / 431
Prior Transfer Date	Aug 25, 2025
Prior Transfer Doc	0014200431
Record Updated	Sep 20, 2026

September 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STEPHENS GA
Recording Date	Sep 2, 2025
Property Address	131 OAK CLIFF DR, TOCCOA, GA 30577-8311
Document Number	0014200431
Book / Page	1420 / 431
Instrument Date	Aug 25, 2025
Instrument	D2025002720
Transaction Type	Transfer
Record Updated	Mar 9, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	131 OAK CLIFF DR, TOCCOA, GA 30577-8311

Mortgage

Document Number	2025002722
Date	Sep 2, 2025
Instrument	2025002722

Lender

Name	NORTH GEORGIA CREDIT UNION

Agreement

Amount	Amount on Record
Term	52 Months
Due	Jan 1, 2030

Tax Assessment & Valuation

The 2025 property tax bill for 131 Oak Cliff Dr was $1,559 with a homeowner's exemption, up 26.9% from the year before.

Source: Stephens County assessment roll, as of March 12, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,559.00 (+26.85%) Homeowner's exemption	$55,255 (+52.64%) Land $3,423 Building $51,832	$138,138 (+52.64%) Land $8,557 Building $129,581
2024	$1,229.00 (+8.86%) Homeowner's exemption	$36,200 (+7.65%) Land $3,423 Building $32,777	$90,500 (+7.65%) Land $8,557 Building $81,943
2023	$1,129.00 (-0.44%) Homeowner's exemption	$33,629 (+4.84%) Land $3,423 Building $30,206	$84,071 (+4.84%) Land $8,557 Building $75,514
2022	$1,134.00 Homeowner's exemption	$32,075 Land $3,423 Building $28,652	$80,187 Land $8,557 Building $71,630

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 131 Oak Cliff Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 131 Oak Cliff Dr is moderate, ranking above 47% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 47% of the US · above 53% of Georgia
Wildfire Likelihood	0.09% 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 69 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TruVista Communications Fiber · Cable in parts of the area	5,000 / 5,000
Point Broadband Fiber	1,000 / 1,000
Windstream DSL · Fiber in parts of the area	300 / 20