1590 Ridgemore Dr, Toccoa, GA 30577 Property Records

Stephens County property record for 1590 Ridgemore Dr, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,970 sqft · built 1997
Lot Size	0.65 acres (28,314 sqft)
Owner	Company Name on Record
Last Sale	$979,448 (Feb 2024)
Tax Bill	$7,364 (2025)
Deeds & Mortgages	Feb 2024 Sale Oct 2023 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`064F 004`

Property Details

APN / Parcel Number

Primary APN	`064F 004`
Alternative APN	`238330`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,970 sqft Heated Area
Basement Area	1,792 sqft
Finished Basement	808 sqft
Unfinished Basement	984 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2010
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	28,314 sqft (0.65 acres)
Lot Dimensions	150 ft deep x 180 ft wide
Garage Area	506 sqft

Exterior Amenities

Porch	Porch
Porch Area	397 sqft
Deck Area	160 sqft
Patio Area	290 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	238330
Old Parcel Number	064F 004
Street Address	1590 RIDGEMORE DR
City	TOCCOA
State	GA
Zip	30577-7375
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 1 RUSSELL POINT S/D
Legal Subdivision	RUSSELL POINT
Legal Lot Number	1
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	Company Name on Record
Mailing Address	PO BOX 725, CLARKESVILLE, GA 30523-0013
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2024	Warranty Deed, Transfer
Oct 13, 2023	Warranty Deed, Transfer · Conventional Mortgage SOUTHERN DEVELOPMENT PARTNERS
May 25, 2022	Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS GROUP
May 25, 2022	Deed of Trust, Mortgage · FHA Mortgage US DEPARTMENT OF HOUSING AND URBAN DEVEL
Nov 26, 2019	Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS
Nov 26, 2019	Deed of Trust, Mortgage · FHA Mortgage COMMISSIONER/HSNG & URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 7, 2024 · Amount on Record
Deed Sale	Feb 7, 2024 · Amount on Record
Prior Sale	Oct 13, 2023 · Amount on Record
Deed Document Number	0001357143
Deed Book / Page	1357 / 143
Record Updated	Jun 8, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Feb 7, 2024
Property Address	1590 RIDGEMORE DR, TOCCOA, GA 30577-7375
Document Number	0013570143
Book / Page	1357 / 143
Instrument Date	Feb 7, 2024
Transaction Type	Transfer
Record Updated	Feb 23, 2024

Transaction

Amount	Amount Recorded
Tax	$9.80
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1590 RIDGEMORE DR, TOCCOA, GA 30577-7375

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Oct 13, 2023
Property Address	1590 RIDGEMORE DR, TOCCOA, GA 30577-7375
Document Number	0013460073
Book / Page	1346 / 73
Instrument Date	Oct 9, 2023
Transaction Type	Transfer
Record Updated	Dec 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1590 RIDGEMORE DR, TOCCOA, GA 30577-7375

Mortgage

Document Number	0000134675
Date	Oct 13, 2023
Instrument	1346/75

Lender

Name	SOUTHERN DEVELOPMENT PARTNERS

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	3 Months
Due	Jan 1, 2024

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	1590 RIDGEMORE DR, TOCCOA, GA 30577-7375
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1590 RIDGEMORE DR, TOCCOA, GA 30577-7375

Mortgage

Document Number	0012980000000207
Date	May 25, 2022
Book Page	0000001298/0000000207
Instrument	000853

Lender

Name	AMERICAN ADVISORS GROUP

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	776 Months
Due	Jan 1, 2087

Interest

Rate Type	Adjustable Rate
Rate	4.27%
Type Change Date	Jul 1, 2020

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	1590 RIDGEMORE DR, TOCCOA, GA 30577-7375
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1590 RIDGEMORE DR, TOCCOA, GA 30577-7375

Mortgage

Document Number	0012980000000224
Date	May 25, 2022
Book Page	0000001298/0000000224
Instrument	000854

Lender

Name	US DEPARTMENT OF HOUSING AND URBAN DEVEL

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	776 Months
Due	Jan 1, 2087

Interest

Rate Type	Adjustable Rate
Rate	4.27%
Type Change Date	Jul 1, 2020

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	1590 RIDGEMORE DR, TOCCOA, GA 30577-7375
Document Number	0011960314
Instrument Date	Nov 26, 2019
Transaction Type	Mortgage
Record Updated	Jan 2, 2020
Title Company	FNC TITLE SERVICES, FNC TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1590 RIDGEMORE DR TOCCOA GA 305777375, TOCCOA, GA 30577-7375

Mortgage

Document Number	0011960314
Date	Dec 11, 2019
Book Page	001196/000314

Lender

Name	AMERICAN ADVISORS
Address	ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	816 Months
Due	Dec 10, 2087

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	1590 RIDGEMORE DR, TOCCOA, GA 30577-7375
Document Number	0011960331
Instrument Date	Nov 26, 2019
Transaction Type	Mortgage
Record Updated	Jan 2, 2020
Title Company	FNC TITLE SERVICES, FNC TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1590 RIDGEMORE DR TOCCOA GA 305777375, TOCCOA, GA 30577-7375

Mortgage

Document Number	0011960331
Date	Dec 11, 2019
Book Page	001196/000331

Lender

Name	COMMISSIONER/HSNG & URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	816 Months
Due	Dec 10, 2087

Interest

Rate Type	Adjustable Rate
Rate	4.4%

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	$7,364.00 (+113.26%)	$268,288 (+76.55%) Land $78,266 Building $190,022	$670,722 (+76.55%) Land $195,666 Building $475,056
2023	$3,453.00 (-21.7%) Homeowner's exemption	$151,958 (+2.57%) Land $78,266 Building $73,692	$379,896 (+2.57%) Land $195,666 Building $184,230
2022	$4,410.00 Homeowner's exemption	$148,146 Land $78,266 Building $69,880	$370,365 Land $195,666 Building $174,699

Assessed value is set for property tax purposes, not a market price estimate; it is 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 100 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 67% of the US · lower than 91% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 30 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
Verizon Fixed Wireless	300 / 20

May also be available: HTC, Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

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