177 Flat Rock Rd, Toccoa, GA 30577 Property Records

Stephens County property record for 177 Flat Rock Rd, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,248 sqft · built 1998
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on Record
Tax Bill	$2,184 (2025)
Deeds & Mortgages	Mar 2023 Transfer Dec 2022 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`T08 011`

Property Details

APN / Parcel Number

Primary APN	`T08 011`
Alternative APN	`798850`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,248 sqft Heated Area
Basement Area	864 sqft
Unfinished Basement	864 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2008
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,454 sqft (0.24 acres)
Terrain	Gentle Slope
Garage Type	Mixed
Garage Area	528 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	1,512 sqft
Deck Area	Deck Area
Patio Area	510 sqft
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Account Number	798850
Street Address	177 FLAT ROCK RD
City	TOCCOA
State	GA
Zip	30577-1609
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-IA
Legal Description	TRACT 2 FLAT ROCK RD
Legal Subdivision	0200 - PRIMARY - AC
Legal Tract	2
Jurisdiction	STEPHENS GA
Township / Civil Division	TOCCOA
Census Block Group	2
Census Block	2033
Census Tract	970101

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	Individual Name on Record
Mailing Address	177 FLAT ROCK RD, TOCCOA, GA 30577-1609
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2023	Quit Claim Deed, Transfer Quitclaim
Dec 21, 2022	Quit Claim Deed, Transfer Quitclaim
Dec 21, 2022	Quit Claim Deed, Transfer Quitclaim
Dec 16, 2021	Warranty Deed, Transfer
Oct 25, 2018	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 7, 2023
Deed Sale	Apr 7, 2023
Prior Sale	Dec 28, 2018 · Amount on Record
Deed Document Number	2023368
Deed Book / Page	1326 / 171
Prior Transfer Date	Mar 31, 2023
Prior Transfer Doc	0013260171
Record Updated	Oct 29, 2026

March 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STEPHENS GA
Recording Date	Mar 31, 2023
Property Address	177 FLAT ROCK RD, TOCCOA, GA 30577-1609
Document Number	0013260171
Book / Page	1326 / 171
Instrument Date	Mar 31, 2023
Instrument	2023-000368
Transaction Type	Transfer
Record Updated	Nov 10, 2023

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	177 FLAT ROCK RD, TOCCOA, GA 30577-1609

December 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STEPHENS GA
Recording Date	Dec 21, 2022
Property Address	177 FLAT ROCK RD, TOCCOA, GA 30577-1609
Document Number	0013180252
Book / Page	1318 / 252
Instrument Date	Dec 21, 2022
Instrument	2022-001734
Transaction Type	Transfer
Record Updated	Nov 10, 2023

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	177 FLAT ROCK RD, TOCCOA, GA 30577-1609

December 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STEPHENS GA
Recording Date	Dec 21, 2022
Property Address	177 FLAT ROCK RD, TOCCOA, GA 30577-1609
Document Number	0013180254
Book / Page	1318 / 254
Instrument Date	Dec 21, 2022
Instrument	2022-001735
Transaction Type	Transfer
Record Updated	Nov 10, 2023

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	177 FLAT ROCK RD, TOCCOA, GA 30577-1609

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Dec 16, 2021
Property Address	177 FLAT ROCK RD, TOCCOA, GA 30577-1609
Document Number	0012790152
Book / Page	1279 / 152
Instrument Date	Dec 16, 2021
Instrument	2021-001769
Transaction Type	Transfer
Record Updated	Jun 8, 2023

Transaction

Amount	Amount Recorded
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	177 FLAT ROCK RD, TOCCOA, GA 30577-1609

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	177 FLAT ROCK RD, TOCCOA, GA 30577-1609
Document Number	0011650038
Instrument Date	Oct 25, 2018
Transaction Type	Mortgage
Record Updated	Jan 4, 2019
Title Company	DOCUMENT RECORDING SERVICES, DOCUMENT RECORDING SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	177 FLAT ROCK RD TOCCOA GA 305771609, TOCCOA, GA 30577-1609

Mortgage

Document Number	0011650038
Date	Nov 19, 2018
Book Page	001165/000038

Lender

Name	FIRST CITIZENS BK
Type	Bank
Address	RALEIGH, NC 27611-6592

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Nov 18, 2043

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$2,184.00 (-51.13%) Homeowner's exemption Senior Citizen's exemption	$110,353 (-29.14%) Land $1,213 Building $109,140	$275,883 (-29.14%) Land $3,032 Building $272,851
2023	$4,469.00 (-29.37%) Homeowner's exemption	$155,733 (-12.94%) Land $32,267 Building $123,466	$389,334 (-12.94%) Land $80,668 Building $308,666
2022	$6,327.00 Homeowner's exemption	$178,882 Land $36,850 Building $142,032	$447,205 Land $92,124 Building $355,081

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 AE, within 500 ft
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

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

Wildfire Risk	Moderate above 53% of the US · above 76% of Georgia
Wildfire Likelihood	0.1% 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 84 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TruVista Communications Cable · Fiber in parts of the area	500 / 50

May also be available: Windstream.

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