Stephens County property record for 169 Sandy Rd, Toccoa, GA 30577 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 3,122 sqft · built 2001 |
| Lot Size | 1.04 acres (45,302 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $440,000 (Aug 2025) |
| Tax Bill | $4,306 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Aug 2019 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 019B 083 |
| Primary APN | 019B 083 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 3,122 sqft Heated Area |
| Basement Area | 1,240 sqft |
| Finished Basement | 1,240 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 45,302 sqft (1.04 acres) |
| Terrain | Gentle Slope |
| Garage Type | Mixed |
| Garage Area | 1,475 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 204 sqft |
| Deck Area | 374 sqft |
| Patio Area | 374 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Electric |
| Account Number | 496050 |
|---|---|
| Street Address | 169 SANDY RD |
| City | TOCCOA |
| State | GA |
| Zip | 30577-6975 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 1 OF THE WALTER CHEEK PROPERTY |
| Legal Subdivision | 0100 - PRIMARY - SF |
| Legal Lot Number | 1 |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | TOCCOA |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 970101 |
Source: Stephens County records · APN 019B 083
Assessment roll updated March 12, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 169 SANDY RD, TOCCOA, GA 30577-6975 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 04, 2026 | Deed of Trust, Mortgage · Conventional Mortgage VETERANS UNITED HOME LOANS |
| Aug 02, 2019 | Deed of Trust, Mortgage · Line of Credit TRADITIONAL BK |
| Jul 12, 2019 | Grant Deed, Transfer ATTORNEY ONLY |
| Jan 17, 2019 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Jul 09, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 06, 2025 · Amount on Record |
| Deed Sale | Aug 06, 2025 · Amount on Record |
| Prior Sale | Jun 14, 2019 · Amount on Record |
| Deed Book / Page | 1417 / 218 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | May 04, 2026 |
| Property Address | 169 SANDY RD, TOCCOA, GA 30577-6975 |
| Document Number | 0000000012 |
| Book / Page | 1449 / 1 |
| Instrument Date | Apr 29, 2026 |
| Instrument | 202612 |
| Transaction Type | Mortgage |
| Record Updated | Jul 20, 2026 |
| Name | Verified Name |
|---|---|
| Address | 169 SANDY RD, TOCCOA, GA 30577-6975 |
| Document Number | 0000000012, |
|---|---|
| Date | May 04, 2026 |
| Book Page | 1449/1 |
| Instrument | 202612 |
| Name | VETERANS UNITED HOME LOANS |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2056 |
| Rate | 6.46% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 169 SANDY RD, TOCCOA, GA 30577-6975 |
| Document Number | 0011860131 |
| Instrument Date | Aug 02, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 9812 PINE ST MICCO FL 329763108, MICCO, FL 32976-3108 |
| Document Number | 0011860131 |
|---|---|
| Date | Aug 12, 2019 |
| Book Page | 001186/000131 |
| Name | TRADITIONAL BK |
|---|---|
| Type | Bank |
| Address | CORNELIA, GA 30531 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Aug 11, 2044 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Jul 12, 2019 |
| Property Address | 169 SANDY RD, TOCCOA, GA 30577-6975 |
| Document Number | 0011830316 |
| Book / Page | 001183 / 000316 |
| Instrument Date | Jun 07, 2019 |
| Transaction Type | Transfer |
| Record Updated | Jul 24, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $128.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 169 SANDY RD TOCCOA GA 30577, TOCCOA, GA 30577 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Jan 17, 2019 |
| Property Address | 169 SANDY RD, TOCCOA, GA 30577-6975 |
| Document Number | 0011680422 |
| Book / Page | 001168 / 000422 |
| Instrument Date | Jan 02, 2019 |
| Transaction Type | Foreclosure |
| Record Updated | Feb 12, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $213.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Association |
| Address | 55 BEATTIE PL GREENVILLE SC 296012165, GREENVILLE, SC 29601-2165 |
| Investor | Possibly a Property Investor |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Jul 09, 2018 |
| Property Address | 169 SANDY RD, TOCCOA, GA 30577-6975 |
| Document Number | 0011540322 |
| Book / Page | 001154 / 000322 |
| Instrument Date | Jun 29, 2018 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 169 SANDY RD TOCCOA GA 30577, TOCCOA, GA 30577 |
Source: Stephens County records · Assessment roll updated March 12, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Georgia |
| County | Stephens County |
| Unified School District | Stephens County School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,306.00 (+44.84%) | $156,890 (+57.05%) Land $3,186 Building $153,704 | $392,224 (+57.05%) Land $7,965 Building $384,259 |
| 2023 | $2,973.00 (+5.54%) | $99,895 (+5.55%) Land $3,186 Building $96,709 | $249,737 (+5.56%) Land $7,965 Building $241,772 |
| 2022 | $2,817.00 | $94,638 Land $3,186 Building $91,452 | $236,594 Land $7,965 Building $228,629 |
Source: FEMA National Flood Hazard Layer, Stephens County (13257C), updated September 26, 2008 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 46% of the US · above 47% of Georgia |
|---|---|
| Wildfire Likelihood | About 1 in 980 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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