196 Rose Ln, Toccoa, GA 30577 Property Records

Stephens County property record for 196 Rose Ln, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,664 sqft · built 1978
Lot Size	2.24 acres (97,574 sqft)
Owner	2 Individual Names on File
Last Sale	$360,000 (Sep 2025)
Tax Bill	$2,029 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Jul 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`042C 001`

Property Details

APN / Parcel Number

Primary APN	`042C 001`
Alternative APN	`795650`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,664 sqft Heated Area
Basement Area	1,832 sqft
Finished Basement	1,832 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1986
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	97,574 sqft (2.24 acres)
Terrain	Gentle Slope
Garage Type	Carport
Garage Area	462 sqft
Carport	Carport
Carport Area	462 sqft

Exterior Amenities

Porch	Slab
Porch Area	312 sqft
Deck Area	144 sqft
Patio Area	144 sqft
Lean-To	144 sqft
Utility Building	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Account Number	795650
Street Address	196 ROSE LN
City	TOCCOA
State	GA
Zip	30577-3722
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	ROSE LANE LOTS
Legal Subdivision	0200 - PRIMARY - SF
Jurisdiction	STEPHENS GA
Township / Civil Division	TOCCOA
Census Block Group	1
Census Block	1041
Census Tract	970302

Owner

196 Rose Ln is owned and occupied by two individuals who bought it in September 2025.

Source: Stephens County records, as of March 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	196 ROSE LN, TOCCOA, GA 30577-3722
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Sep 30, 2025	Warranty Deed, Transfer NATION STAR MORTGAGE
Jul 1, 2019	Deed of Trust, Mortgage · FHA Mortgage MR COOPER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2025 · Amount on File
Deed Sale	Sep 30, 2025 · Amount on File
Prior Sale	Feb 5, 2009 · Amount on File
Deed Book / Page	1424 / 491
Transfer Doc	0008840456
Record Updated	Jun 8, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Sep 30, 2025
Property Address	196 ROSE LN, TOCCOA, GA 30577-3722
Document Number	0014240491
Book / Page	1424 / 491
Instrument Date	Sep 26, 2025
Transaction Type	Transfer
Record Updated	Nov 3, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3.60
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	196 ROSE LN, TOCCOA, GA 30577-3722

Mortgage

Document Number	0001424493
Date	Sep 30, 2025
Instrument	1424/493

Lender

Name	NATION STAR MORTGAGE

Agreement

Amount	Amount on Record
Term	352 Months
Due	Jan 1, 2055

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	196 ROSE LN, TOCCOA, GA 30577-3722
Document Number	0011830236
Instrument Date	Jul 1, 2019
Transaction Type	Mortgage
Record Updated	Jul 24, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	196 ROSE LN TOCCOA GA 305773722, TOCCOA, GA 30577-3722

Mortgage

Document Number	0011830236
Date	Jul 11, 2019
Book Page	001183/000236

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 10, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 196 Rose Ln was $2,029 with exemptions applied, up 30.4% from the year before.

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	$2,029.00 (+30.4%) Homeowner's exemption Senior Citizen's exemption	$132,540 (+53.8%) Land $4,919 Building $127,621	$331,349 (+53.8%) Land $12,297 Building $319,052
2024	$1,556.00 (+16.29%) Homeowner's exemption Senior Citizen's exemption	$86,179 (+7.93%) Land $4,919 Building $81,260	$215,447 (+7.93%) Land $12,297 Building $203,150
2023	$1,338.00 (-40.21%) Homeowner's exemption	$79,849 (+6.21%) Land $4,919 Building $74,930	$199,622 (+6.21%) Land $12,297 Building $187,325
2022	$2,238.00 Homeowner's exemption	$75,183 Land $4,919 Building $70,264	$187,957 Land $12,297 Building $175,660

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

FEMA maps place 196 Rose Ln 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 196 Rose Ln is moderate, ranking above 47% of the US, with a 0.08% annual chance of 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	0.08% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL	2,000 / 2,000
Point Broadband Fiber	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, TruVista Communications.

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