185 Stancil Dr, Toccoa, GA 30577 Property Records

Stephens County property record for 185 Stancil Dr, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,141 sqft · built 1980
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on File
Last Sale	$207,000 (Sep 2026)
Tax Bill	$1,934 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Apr 2022 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`T29 110`

Property Details

APN / Parcel Number

Primary APN	`T29 110`
Alternative APN	`747700`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,141 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1980
Effective Year Built	Effective 2015
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	11,326 sqft (0.26 acres)
Terrain	Gentle Slope
Garage Type	Carport
Garage Area	228 sqft
Carport	Carport
Carport Area	228 sqft
Utility Building	72 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	747700
Street Address	185 STANCIL DR
City	TOCCOA
State	GA
Zip	30577-6406
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-IA
Legal Description	LOT 8 THOMAS & STANCIL S/D
Legal Subdivision	THOMAS & STANCIL
Legal Lot Number	8
Jurisdiction	STEPHENS GA
Township / Civil Division	TOCCOA
Census Block Group	1
Census Block	1011
Census Tract	970302

Owner

185 Stancil Dr is owned and occupied by two individuals who bought it in September 2026.

Source: Stephens County records, as of October 5, 2026

Owner of Record	2 Individual Names on File
Mailing Address	185 STANCIL DR, TOCCOA, GA 30577-6406
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2026	Limited Warranty Deed, Transfer PREMIER MORTGAGE
Apr 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE FIRM
Sep 14, 2017	Deed of Trust, Mortgage · Commercial Mortgage WILMINGTON SAVINGS FUND SOCIETY FSB
Apr 13, 2022	Warranty Deed, Transfer
Jan 17, 2020	Grant Deed, Transfer HOMESTAR FIN'L
Jan 16, 2019	Deed of Trust, Mortgage PIEDMONT BK
Jan 22, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2026 · Amount on File
Deed Sale	Sep 4, 2026 · Amount on File
Prior Sale	Apr 14, 2022 · Amount on File
Deed Document Number	20262709
Deed Book / Page	1464 / 360
Prior Transfer Date	Jun 6, 2017
Prior Transfer Doc	0000000656
Record Updated	Oct 29, 2026

September 2026: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Sep 4, 2026
Property Address	185 STANCIL DR, TOCCOA, GA 30577-6406
Document Number	0000002709
Book / Page	1464 / 360
Instrument Date	Sep 4, 2026
Instrument	20262709
Transaction Type	Transfer
Record Updated	Oct 5, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	185 STANCIL DR, TOCCOA, GA 30577-6406

Mortgage

Document Number	1464000381,
Date	Sep 4, 2026
Book Page	1464/381

Lender

Name	PREMIER MORTGAGE

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	185 STANCIL DR, TOCCOA, GA 30577-6406
Transaction Type	Mortgage
Record Updated	Nov 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	185 STANCIL DR, TOCCOA, GA 30577-6406

Mortgage

Document Number	0012930000000406
Date	Apr 14, 2022
Book Page	0000001293/0000000406
Instrument	000582

Lender

Name	MORTGAGE FIRM

Agreement

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

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	185 STANCIL DR, TOCCOA, GA 30577-6406
Transaction Type	Mortgage
Record Updated	Aug 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011310272
Date	Sep 14, 2017
Book Page	1131/272

Lender

Name	WILMINGTON SAVINGS FUND SOCIETY FSB
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Apr 13, 2022
Property Address	185 STANCIL DR, TOCCOA, GA 30577-6406
Document Number	0012930404
Book / Page	1293 / 404
Instrument Date	Apr 13, 2022
Instrument	2022-000554
Transaction Type	Transfer
Record Updated	Aug 4, 2022

Transaction

Amount	Amount 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	185 STANCIL DR, TOCCOA, GA 30577-6406

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STEPHENS GA
Recording Date	Jan 17, 2020
Property Address	185 STANCIL DR, TOCCOA, GA 30577-6406
Document Number	0011990447
Book / Page	001199 / 000447
Instrument Date	Dec 26, 2019
Transaction Type	Transfer
Record Updated	Feb 3, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$120.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	185 STANCIL DR TOCCOA GA 305776406, TOCCOA, GA 30577-6406

Mortgage

Document Number	11990449
Date	Jan 17, 2020
Book Page	001199/000449

Lender

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

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 16, 2050

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	185 STANCIL DR, TOCCOA, GA 30577-6406
Document Number	0011910400
Instrument Date	Jan 16, 2019
Transaction Type	Mortgage
Record Updated	Oct 31, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1266 W PACES FERRY RD NW #517 ATLANTA GA 303272306, 517, ATLANTA, GA 30327-2306

Mortgage

Document Number	0011910400
Date	Oct 15, 2019
Book Page	001191/000400

Lender

Name	PIEDMONT BK
Type	Bank
Address	5100 PEACHTREE PKWY, NORCROSS, GA 30092-2525

Agreement

Amount	Amount on Record

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STEPHENS GA
Recording Date	Jan 22, 2019
Property Address	185 STANCIL DR, TOCCOA, GA 30577-6406
Document Number	0011690004
Book / Page	001169 / 000004
Instrument Date	Jan 11, 2019
Transaction Type	Transfer
Record Updated	Feb 12, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	185 STANCIL DR TOCCOA GA 305776406, TOCCOA, GA 30577-6406

Tax Assessment & Valuation

The 2025 property tax bill for 185 Stancil Dr was $1,934 with a homeowner's exemption.

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	$1,934.00 Homeowner's exemption	$64,134 Land $2,032 Building $62,102	$160,333 Land $5,079 Building $155,254
2023	$804.00 (-46.65%)	$45,471 (+6.68%) Land $2,032 Building $43,439	$113,676 (+6.68%) Land $5,079 Building $108,597
2022	$1,507.00	$42,624 Land $2,017 Building $40,607	$106,560 Land $5,043 Building $101,517

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

FEMA maps place 185 Stancil Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2009.

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	2 in force
Nearby Flood Claims	3 (2009–2020)
Claims Outside the SFHA	1 of 3
Most Recent Claim	May 2020 · other causes
Claims by Event	Severe Storms And Flooding, Sep 2009 · 2 claims

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

Wildfire risk around 185 Stancil Dr is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 87% of Georgia
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

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 241 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
TruVista Communications Cable · Fiber in parts of the area	500 / 50

May also be available: Verizon.

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