19 Cottage Ln, #202, Toccoa, GA 30577 Property Records

Stephens County property record for 19 Cottage Ln, #202, Toccoa, GA 30577

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,324 sqft · built 2020
Owner	Individual Name on Record
Last Sale	$399,000 (Dec 2023)
Tax Bill	$4,588 (2025)
Deeds & Mortgages	Dec 2023 Sale Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`057 022PM`

Property Details

APN / Parcel Number

Primary APN	`057 022PM`
Alternative APN	`991075`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,324 sqft Heated Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Architectural Style	Ranch
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Porch	Porch
Porch Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	991075
Street Address	19 COTTAGE LN # 202, 202
City	TOCCOA
State	GA
Zip	30577-2541
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RM
Legal Description	CURRAHEE CLUB CONDOMINIUM 12
Legal Subdivision	CURRAHEE CLUB
Jurisdiction	STEPHENS GA
Township / Civil Division	ROCK CREEK
Census Block Group	4
Census Block	4013
Census Tract	970202

Owner

Source: Stephens County records, as of March 11, 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
Co-owner	Co-owner on Record
Mailing Address	7 ALM STRASSE, HELEN, GA 30545-2946
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2023	Warranty Deed, Transfer
Jul 14, 2022	Warranty Deed, Transfer · Commercial Mortgage PINNACLE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 2023 · Amount on Record
Deed Sale	Dec 22, 2023 · Amount on Record
Prior Sale	Jul 14, 2022 · Amount on Record
Deed Document Number	2023001561
Deed Book / Page	1352 / 441
Record Updated	Jun 8, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Dec 22, 2023
Property Address	19 COTTAGE LN # 202, 202, TOCCOA, GA 30577
Document Number	0013520441
Book / Page	1352 / 441
Instrument Date	Dec 21, 2023
Instrument	2023001561
Transaction Type	Transfer
Record Updated	Jan 30, 2024

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 COTTAGE LN, TOCCOA, GA 30577

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Jul 14, 2022
Property Address	19 COTTAGE LN # 202, 202, TOCCOA, GA 30577
Document Number	0013040137
Book / Page	1304 / 137
Instrument Date	Jul 14, 2022
Instrument	2022-001065
Transaction Type	Transfer
Record Updated	Aug 5, 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	92 N SAGE ST, TOCCOA, GA 30577-3679

Mortgage

Document Number	0013040000000140
Date	Jul 15, 2022
Book Page	0000001304/0000000140

Lender

Name	PINNACLE BANK

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2037

Tax Assessment & Valuation

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

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	$4,588.00 (+58.64%)	$167,160 (+72.06%) Building $167,160	$417,899 (+72.06%) Building $417,899
2023	$2,892.00 (+60.85%)	$97,150 (+60.79%) Building $97,150	$242,875 (+60.79%) Building $242,875
2022	$1,798.00	$60,419 Building $60,419	$151,047 Building $151,047

Assessed value is set for property tax purposes, not a market price estimate; it is 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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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 45% of the US · above 47% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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