194 Spring St, Toccoa, GA 30577 Property Records

Stephens County property record for 194 Spring St, Toccoa, GA 30577 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	1.5 Baths
Year Built	Built 1984
Square Footage	1,050 sqft Heated Area
Lot Size	13,939 sqft (0.32 acres)
Occupancy	Owner Occupied
Last Sale	$51,500 (1999)
Tax Bill	$1,266.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`T20 016`
Alternative APN	`650950`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Partial Baths	1 Partial Baths
Total Rooms	6 Rooms
Building Area	1,050 sqft Heated Area
Stories	1 Stories
Primary Flooring	Hardwood Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1984
Architectural Style	Ranch Style
Exterior Material	Brick Exterior
Construction Type	Brick Construction
Foundation Type	No Foundation Foundation
Roof Construction	Gable Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	13,939 sqft (0.32 acres)
Garage Area	300 sqft Garage
Porch Area	16 sqft Porch
Topography	Gentle Slope Topography

Utilities and HVAC

Cooling System	Other Cooling
Heating Fuel	Gas Heating Fuel
Sewage	Municipal Sewage
Water Source	Commercial Water Source

Location & Zoning

Account Number	650950
Street Address	194 SPRING ST
City	TOCCOA
State	GA
Zip	30577-3460
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LOTS 31 & 32 J M CARTER S/D
Legal Subdivision	J M CARTER
Legal Lot Number	31,32
Jurisdiction	STEPHENS GA
Minor Civil Division	TOCCOA
Census Blockgroup	4
Census Block	4054
Census Tract	970301

Owner

Source: Stephens County records · APN T20 016

Assessment roll updated March 12, 2026 · Last verified April 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 File
Mailing Address	194 SPRING ST, TOCCOA, GA 30577-3460
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 01, 1999 · Amount on Record
Deed Sale	Jan 01, 1999 · Amount on Record
Prior Sale	Jun 01, 1998
Deed Book / Page	426 / 109
Last Transfer Date	Apr 22, 2019
Transfer Doc	0011760195
Record Refreshed	Jun 08, 2026

April 2019: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	STEPHENS GA
Recording Date	Apr 23, 2019
Property Address	194 SPRING ST, TOCCOA, GA 30577-3460
Document Number	0011760195
Book / Page	001176 / 000195
Instrument Date	Apr 22, 2019
Transaction Type	Mortgage
Record Updated	May 20, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Document

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	194 SPRING ST TOCCOA GA 305773460, TOCCOA, GA 30577-3460

Mortgage

Document Number	11760197
Date	Apr 23, 2019
Book Page	001176/000197

Lender

Name	OCONEE FED'L S&L ASSN
Type	Federal Savings Bank (FSB)
Address	SENECA, SC 29678

Agreement

Type	Conventional Mortgage with Private Mortgage Insurance (PMI)
Amount	Amount Recorded
Term	180 Months
Due	Apr 22, 2034

Tax Assessment & Valuation

Source: Stephens County records · Assessment roll updated March 12, 2026 · Last verified April 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,266.00 (+39.74%) Homeowner's exemption	$45,370 (+66.14%) Land $1,462 Building $43,908	$113,425 (+66.15%) Land $3,654 Building $109,771
2023	$906.00 (-0.33%) Homeowner's exemption	$27,308 (+6.17%) Land $1,462 Building $25,846	$68,268 (+6.17%) Land $3,654 Building $64,614
2022	$909.00 Homeowner's exemption	$25,722 Land $1,462 Building $24,260	$64,303 Land $3,654 Building $60,649

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Stephens County (13257C), updated September 26, 2008 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.