15 Creek Ct, Toccoa, GA 30577 Property Records

Stephens County property record for 15 Creek Ct, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,733 sqft · built 1976
Lot Size	0.739 acres (32,234 sqft)
Owner	Individual Name on Record
Last Sale	$135,000 (Aug 2020)
Tax Bill	$1,372 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T38 110`

Property Details

APN / Parcel Number

Primary APN	`T38 110`
Alternative APN	`791550`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,733 sqft Heated Area
Basement Area	550 sqft
Finished Basement	550 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	32,234 sqft (0.739 acres)
Terrain	Gentle Slope
Garage Type	Carport
Carport	Carport
Carport Area	360 sqft

Exterior Amenities

Porch	Porch
Porch Area	120 sqft
Deck Area	252 sqft
Patio Area	792 sqft
Utility Building	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Account Number	791550
Street Address	15 CREEK CT
City	TOCCOA
State	GA
Zip	30577-6189
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-IA
Legal Description	LOTS 312 & 313 MEADOWBROOK S/D
Legal Subdivision	MEADOWBROOK
Legal Lot Number	312+ 313
Jurisdiction	STEPHENS GA
Township / Civil Division	TOCCOA
Census Block Group	2
Census Block	2002
Census Tract	970302

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
Mailing Address	15 CREEK CT, TOCCOA, GA 30577-6189
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2025	Deed of Trust, Mortgage NORTH GEORGIA CREDIT UNION
Aug 12, 2020	Warranty Deed, Transfer · Conventional with PMI NORTH GA CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 10, 2020 · Amount on Record
Deed Sale	Aug 10, 2020 · Amount on Record
Deed Document Number	0001219247
Deed Book / Page	1219 / 247
Last Transfer Date	Aug 12, 2020
Transfer Doc	0012190247
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	15 CREEK CT, TOCCOA, GA 30577-6189
Transaction Type	Mortgage
Record Updated	Feb 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 CREEK CT, TOCCOA, GA 30577-6189

Mortgage

Document Number	0014340000000199
Date	Dec 23, 2025
Book Page	0000001434/0000000199

Lender

Name	NORTH GEORGIA CREDIT UNION

Agreement

Amount	Amount Recorded
Term	48 Months
Due	Jan 1, 2030

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Aug 12, 2020
Property Address	15 CREEK CT, TOCCOA, GA 30577-6189
Document Number	0012190247
Book / Page	001219 / 000247
Instrument Date	Aug 10, 2020
Transaction Type	Transfer
Record Updated	Sep 3, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$135.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 CREEK CT TOCCOA GA 305776189, TOCCOA, GA 30577-6189

Mortgage

Document Number	12190249
Date	Aug 12, 2020
Book Page	001219/000249

Lender

Name	NORTH GA CU
Type	Credit Union
Address	TOCCOA, GA 30577

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	60 Months
Due	Aug 11, 2025

Tax Assessment & Valuation

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

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	$1,372.00 (+70.43%) Homeowner's exemption Disabled Person's exemption	$73,286 (+61.08%) Land $3,381 Building $69,905	$183,214 (+61.07%) Land $8,452 Building $174,762
2023	$805.00 (-47.35%) Homeowner's exemption	$45,498 (+5.24%) Land $3,381 Building $42,117	$113,745 (+5.25%) Land $8,452 Building $105,293
2022	$1,529.00 Homeowner's exemption	$43,231 Land $3,381 Building $39,850	$108,076 Land $8,452 Building $99,624

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (1999)
Most Recent Claim	Oct 1999 · rainfall accumulation

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 62% of the US · lower than 80% of Georgia
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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 162 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

May also be available: Point Broadband, T-Mobile, Windstream.

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