191 Timber Ridge Dr, Toccoa, GA 30577 Property Records

Stephens County property record for 191 Timber Ridge Dr, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,085 sqft · built 2023
Lot Size	0.219 acres (9,583 sqft)
Owner	Individual Name on Record
Last Sale	$519,500 (Dec 2023)
Tax Bill	$4,662 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Nov 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`057 225`

Property Details

APN / Parcel Number

Primary APN	`057 225`
Alternative APNs	`990520` `95306`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,085 sqft Heated Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Exterior Material	Fiber Cement Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,583 sqft (0.219 acres)
Garage Area	500 sqft
Porch	Porch
Patio Area	270 sqft
Utility Building	27 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Account Number	990520
Street Address	191 TIMBER RIDGE DR
City	TOCCOA
State	GA
Zip	30577-2674
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 20 SEC C PH 3 UNIT 1 CURRAHEE CLUB
Legal Subdivision	CURRAHEE CLUB
Legal Phase	3
Legal Block	1
Legal Lot Number	20
Legal Unit	1
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	191 TIMBER RIDGE DR, TOCCOA, GA 30577-2674
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2023	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC HOME MORTGAGE
Nov 21, 2023	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 5, 2023 · Amount on Record
Deed Sale	Dec 5, 2023 · Amount on Record
Prior Sale	Nov 21, 2023
Deed Document Number	0000135111
Deed Book / Page	1351 / 11
Record Updated	Jun 8, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Dec 5, 2023
Property Address	191 TIMBER RIDGE DR, TOCCOA, GA 30577-2674
Document Number	0013510011
Book / Page	1351 / 11
Instrument Date	Dec 1, 2023
Transaction Type	Transfer
Record Updated	Jan 16, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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	191 TIMBER RIDGE DR, TOCCOA, GA 30577-2674

Mortgage

Document Number	0013510000000015
Date	Dec 5, 2023
Book Page	0000001351/0000000015

Lender

Name	ATLANTIC HOME MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2054

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Nov 21, 2023
Property Address	191 TIMBER RIDGE DR, TOCCOA, GA 30577-2674
Document Number	0013500008
Book / Page	1350 / 8
Instrument Date	Nov 1, 2023
Instrument	D2023001739
Transaction Type	Transfer
Record Updated	Dec 29, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	191 TIMBER RIDGE DR, TOCCOA, GA 30577-2674

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	$4,662.00 (+1,706.98%) Homeowner's exemption	$210,987 (+2,332.69%) Land $8,673 Building $202,314	$527,468 (+2,332.63%) Land $21,683 Building $505,785
2023	$258.00	$8,673 (-) Land $8,673	$21,683 (-) Land $21,683
2022	$258.00	$8,673 Land $8,673	$21,683 Land $21,683

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 47% of the US · above 53% 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 35 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
Starlink Satellite	280 / 30

May also be available: HTC.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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