162 Ridgemore Cir, Toccoa, GA 30577 Property Records

Stephens County property record for 162 Ridgemore Cir, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 4,941 sqft · built 2007
Lot Size	0.99 acres (43,124 sqft)
Owner	2 Individual Names on Record
Last Sale	$940,000 (Apr 2022)
Tax Bill	$11,700 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Apr 2022 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`064F 029`

Property Details

APN / Parcel Number

Primary APN	`064F 029`
Alternative APN	`233800`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	1 Story
Building Area	4,941 sqft Heated Area
Basement Area	2,094 sqft
Finished Basement	1,800 sqft
Unfinished Basement	294 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2009
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	43,124 sqft (0.99 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Terrain	Gentle Slope
Garage Area	650 sqft
Porch	Slab
Porch Area	911 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	233800
Street Address	162 RIDGEMORE CIR
City	TOCCOA
State	GA
Zip	30577-7104
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 9 RIDGEMORE CIR
Legal Subdivision	0902 - LAKEFRONT - FF
Legal Lot Number	9
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 12, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	9010 SAINT MARLO FAIRWAY DR, DULUTH, GA 30097-6612
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2022	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK
Apr 15, 2022	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK
May 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOMESTAR FIN'L
Mar 23, 2018	Quit Claim Deed, Transfer Quitclaim
Aug 29, 2017	Quit Claim Deed, Transfer OTHER
May 9, 2017	Grant Deed, Transfer · Conventional with PMI HOMESTAR FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 19, 2022 · Amount on Record
Deed Sale	Apr 19, 2022 · Amount on Record
Prior Sale	May 5, 2017 · Amount on Record
Deed Document Number	2022574
Deed Book / Page	1294 / 118
Prior Transfer Date	Mar 13, 2018
Prior Transfer Doc	0011450190
Record Updated	Jun 8, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Apr 15, 2022
Property Address	162 RIDGEMORE CIR, TOCCOA, GA 30577-7104
Document Number	0012940118
Book / Page	1294 / 118
Instrument Date	Apr 15, 2022
Instrument	2022-000574
Transaction Type	Transfer
Record Updated	Nov 30, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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	9010 SAINT MARLO FAIRWAY DR, DULUTH, GA 30097-6612

Mortgage

Document Number	0012940000000119
Date	Apr 19, 2022
Book Page	0000001294/0000000119
Instrument	000605

Lender

Name	FIFTH THIRD BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	May 1, 2020

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Apr 15, 2022
Property Address	162 RIDGEMORE CIR, TOCCOA, GA 30577-7104
Document Number	0012940118
Book / Page	1294 / 118
Instrument Date	Apr 15, 2022
Instrument	2022-000574
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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	9010 SAINT MARLO FAIRWAY DR, DULUTH, GA 30097-6612

Mortgage

Document Number	0000000605
Date	Apr 15, 2022
Instrument	000605

Lender

Name	FIFTH THIRD BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Jan 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	May 1, 2020

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	162 RIDGEMORE CIR, TOCCOA, GA 30577-7104
Document Number	0012110001
Instrument Date	May 18, 2020
Transaction Type	Mortgage
Record Updated	Jun 17, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	162 RIDGEMORE CIR TOCCOA GA 305777104, TOCCOA, GA 30577-7104

Mortgage

Document Number	0012110001
Date	May 28, 2020
Book Page	001211/000001

Lender

Name	HOMESTAR FIN'L
Type	Funding / Finance Company
Address	GAINESVILLE, GA 30501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 27, 2050

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STEPHENS GA
Recording Date	Mar 23, 2018
Property Address	162 RIDGEMORE CIR, TOCCOA, GA 30577-7104
Document Number	0011450190
Book / Page	001145 / 000190
Instrument Date	Mar 13, 2018
Transaction Type	Transfer
Record Updated	Apr 2, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	162 RIDGEMORE CIR TOCCOA GA 305777104, TOCCOA, GA 30577-7104

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STEPHENS GA
Recording Date	Aug 29, 2017
Property Address	162 RIDGEMORE CIR, TOCCOA, GA 30577-7104
Document Number	0011300210
Book / Page	001130 / 000210
Instrument Date	Aug 25, 2017
Transaction Type	Transfer
Record Updated	Nov 21, 2017
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	162 RIDGEMORE CIR GA, GA

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STEPHENS GA
Recording Date	May 9, 2017
Property Address	162 RIDGEMORE CIR, TOCCOA, GA 30577-7104
Document Number	0011210329
Book / Page	001121 / 000329
Instrument Date	May 5, 2017
Transaction Type	Transfer
Record Updated	Feb 20, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$470.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	162 RIDGEMORE CIR TOCCOA GA 305777104, TOCCOA, GA 30577-7104

Mortgage

Document Number	11210331
Date	May 9, 2017
Book Page	001121/000331

Lender

Name	HOMESTAR FIN'L
Type	Funding / Finance Company
Address	GAINESVILLE, GA 30501

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 8, 2047

Tax Assessment & Valuation

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	$11,700.00 (+44.04%)	$426,256 (+56.22%) Land $50,784 Building $375,472	$1,065,640 (+56.22%) Land $126,959 Building $938,681
2023	$8,123.00	$272,863 Land $50,784 Building $222,079	$682,157 Land $126,959 Building $555,198

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 80% of the US · lower than 94% of Georgia
Wildfire Likelihood	0.04% 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 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
HTC Cable	1,000 / 50

May also be available: Spectrum, Verizon, West Carolina Rural Telephone Cooperative.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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