194 Our Dr, Toccoa, GA 30577 Property Records

Stephens County property record for 194 Our Dr, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,248 sqft · built 2002
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on Record
Last Sale	$100,000 (Apr 2008)
Tax Bill	$1,687 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Feb 2024 Transfer
Flood Zone	Zone X (minimal risk)
APN	`024 060`

Property Details

APN / Parcel Number

Primary APN	`024 060`
Alternative APN	`531405`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,248 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2005
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)
Garage Type	Carport
Garage Area	264 sqft
Carport	Carport
Carport Area	264 sqft

Exterior Amenities

Porch	Slab
Porch Area	320 sqft
Deck Area	168 sqft
Patio Area	168 sqft
Utility Building	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	531405
Street Address	194 OUR DR
City	TOCCOA
State	GA
Zip	30577-7182
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	OFF NEW HOPE RD
Legal Subdivision	0100 - PRIMARY - SF
Jurisdiction	STEPHENS GA
Township / Civil Division	MARTIN-AVALON
Census Block Group	1
Census Block	1026
Census Tract	970401

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	194 OUR PRIVATE DR, TOCCOA, GA 30577
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 6, 2024	Deed of Trust, Mortgage · Conventional Mortgage GENEVA FINANCIAL
Feb 2, 2024	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 29, 2008 · Amount on Record
Deed Sale	Apr 29, 2008 · Amount on Record
Prior Sale	Apr 29, 2008 · Amount on Record
Deed Document Number	2008539
Deed Book / Page	857 / 305
Last Transfer Date	Jan 31, 2024
Transfer Doc	0013560347
Record Updated	Sep 20, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	194 OUR DR, TOCCOA, GA 30577-7182
Transaction Type	Mortgage
Record Updated	Feb 23, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	194 OUR DR, TOCCOA, GA 30577-7182

Mortgage

Document Number	0013570000000063
Date	Feb 6, 2024
Book Page	0000001357/0000000063

Lender

Name	GENEVA FINANCIAL

Agreement

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

February 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STEPHENS GA
Recording Date	Feb 2, 2024
Property Address	194 OUR DR, TOCCOA, GA 30577-7182
Document Number	0013560347
Book / Page	1356 / 347
Instrument Date	Jan 31, 2024
Transaction Type	Transfer
Record Updated	Mar 1, 2024

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	194 OUR DR, TOCCOA, GA 30577-7182

Tax Assessment & Valuation

Source: Stephens County assessment roll, as of March 12, 2026

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	$1,687.00 (+23.59%) Homeowner's exemption	$76,044 (+58.84%) Land $3,584 Building $72,460	$190,110 (+58.84%) Land $8,960 Building $181,150
2023	$1,365.00 (+1.41%) Homeowner's exemption	$47,876 (+5.82%) Land $3,584 Building $44,292	$119,690 (+5.82%) Land $8,960 Building $110,730
2022	$1,346.00 Homeowner's exemption	$45,242 Land $3,584 Building $41,658	$113,104 Land $8,960 Building $104,144

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

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

Provider	Max Down / Up (Mbps)
TruVista Communications Fiber	5,000 / 5,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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