186 Stephen Dr, #188, Toccoa, GA 30577 Property Records

Stephens County property record for 186 Stephen Dr, #188, Toccoa, GA 30577

Property Summary

Property Type	Apartments (5+ Units)
Details	2,040 sqft · built 1988
Lot Size	0.15 acres (6,534 sqft)
Owner	Company Name on File
Last Sale	$670,000 (Jul 2017)
Tax Bill	$1,169 (2025)
Deeds & Mortgages	Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T29 188`

Property Details

APN / Parcel Number

Primary APN	`T29 188`
Alternative APN	`752700`

Interior

Stories	1 Story
Building Area	2,040 sqft Total Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Material	Metal
Lot Area	6,534 sqft (0.15 acres)
Deck Area	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Account Number	752700
Street Address	186 STEPHEN DR # 188, 188
City	TOCCOA
State	GA
Zip	30577-3345
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	B-II
Legal Description	LOT 14A STEPHEN DR
Legal Subdivision	CAUDELL PROP
Legal Lot Number	14A
Jurisdiction	STEPHENS GA
Township / Civil Division	TOCCOA
Census Block Group	1
Census Block	1002
Census Tract	970302

Owner

186 Stephen Dr, #188 is owned by a company that bought it in July 2017.

Source: Stephens County records, as of March 11, 2026

Owner of Record	Company Name on File
Mailing Address	6020 SOMERSBY CIR, ALPHARETTA, GA 30005-4312
Owner Type	Company

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 6, 2017 · Amount on File
Deed Sale	Jul 6, 2017 · Amount on File
Prior Sale	Aug 31, 2009 · Amount on File
Deed Document Number	0001126334
Deed Book / Page	1126 / 334
Record Updated	Jun 8, 2026

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STEPHENS GA
Recording Date	Jul 19, 2017
Property Address	186 STEPHEN DR # 188, 188, TOCCOA, GA 30577-3345
Document Number	0011260334
Book / Page	001126 / 000334
Instrument Date	Jul 6, 2017
Transaction Type	Transfer
Record Updated	Aug 27, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$670.00
Amount Accuracy	Confirmed
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6020 SOMERSBY CIR ALPHARETTA GA 300054312, ALPHARETTA, GA 30005-4312

Mortgage

Document Number	11260339
Date	Jul 19, 2017
Book Page	001126/000339

Lender

Name	PRIVATE BK/BUCKHEAD
Type	Bank
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Jul 18, 2022

Tax Assessment & Valuation

The 2025 property tax bill for 186 Stephen Dr, #188 was $1,169.

Source: Stephens County assessment roll, as of July 1, 2025

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	$1,169.00	$33,510 Land $1,560 Building $31,950	$83,776 Land $3,900 Building $79,876
2023	$1,310.00 (+175.79%)	$37,037 (+175.59%) Land $1,560 Building $35,477	$92,592 (+175.59%) Land $3,900 Building $88,692
2022	$475.00	$13,439 Land $1,560 Building $11,879	$33,598 Land $3,900 Building $29,698

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 186 Stephen Dr, #188 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 186 Stephen Dr, #188 is low, with a 0.03% 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	0.03% 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 162 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	500 / 50

May also be available: Point Broadband, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Stephen Dr

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