198 Wesley Cir, Toccoa, GA 30577 Property Records

Stephens County property record for 198 Wesley Cir, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,188 sqft · built 1989
Lot Size	0.63 acres (27,443 sqft)
Owner	Individual Name on Record
Last Sale	$490,000 (Oct 2024)
Tax Bill	$6,162 (2025)
Deeds & Mortgages	Oct 2024 Sale & Mortgage Dec 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`042F 044`

Property Details

APN / Parcel Number

Primary APN	`042F 044`
Alternative APN	`402500`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,188 sqft Heated Area
Basement Area	932 sqft
Finished Basement	800 sqft
Unfinished Basement	132 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2015
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	27,443 sqft (0.63 acres)
Terrain	Gentle Slope
Garage Area	520 sqft

Exterior Amenities

Porch	Slab
Porch Area	654 sqft
Deck Area	318 sqft
Patio Area	528 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	402500
Street Address	198 WESLEY CIR
City	TOCCOA
State	GA
Zip	30577-8992
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-IA
Legal Description	LOT 52 PH 4 FOXDALE S/D
Legal Subdivision	FOXDALE
Legal Phase	4
Legal Lot Number	52
Jurisdiction	STEPHENS GA
Township / Civil Division	TOCCOA
Census Block Group	4
Census Block	4069
Census Tract	970102

Owner

Source: Stephens County records, as of March 12, 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	198 WESLEY CIR, TOCCOA, GA 30577-8992
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2024	Warranty Deed, Transfer · Conventional Mortgage UNITED COMMUNITY BANK
Dec 20, 2021	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE
Dec 17, 2021	Warranty Deed, Transfer
May 11, 2017	Quit Claim Deed, Transfer Quitclaim
May 11, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 22, 2024 · Amount on Record
Deed Sale	Oct 22, 2024 · Amount on Record
Prior Sale	Dec 20, 2021 · Amount on Record
Deed Book / Page	1384 / 307
Prior Transfer Date	May 8, 2017
Prior Transfer Doc	0011210425
Record Updated	Jun 8, 2026

October 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Oct 22, 2024
Property Address	198 WESLEY CIR, TOCCOA, GA 30577-8992
Document Number	0013840307
Book / Page	1384 / 307
Instrument Date	Oct 22, 2024
Transaction Type	Transfer
Record Updated	Mar 12, 2026

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	198 WESLEY CIR, TOCCOA, GA 30577-8992

Mortgage

Document Number	0001384308
Date	Oct 22, 2024
Instrument	1384/308

Lender

Name	UNITED COMMUNITY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Jan 1, 2054

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Dec 20, 2021
Property Address	198 WESLEY CIR, TOCCOA, GA 30577-8992
Document Number	0012790464
Book / Page	1279 / 464
Instrument Date	Dec 20, 2021
Instrument	2021-001790
Transaction Type	Transfer
Record Updated	Apr 2, 2026

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	198 WESLEY CIR, TOCCOA, GA 30577-8992

Mortgage

Document Number	0001279466
Date	Dec 20, 2021
Instrument	1279/466

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2037

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Dec 17, 2021
Property Address	198 WESLEY CIR, TOCCOA, GA 30577-8992
Document Number	0012790462
Book / Page	1279 / 462
Instrument Date	Dec 17, 2021
Instrument	2021-001792
Transaction Type	Transfer
Record Updated	Mar 12, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	954 DEER CHASE RD, TOCCOA, GA 30577-8959
Investor	Possibly a Property Investor

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STEPHENS GA
Recording Date	May 11, 2017
Property Address	198 WESLEY CIR, TOCCOA, GA 30577-8992
Document Number	0011210425
Book / Page	001121 / 000425
Instrument Date	May 8, 2017
Transaction Type	Transfer
Record Updated	Jun 1, 2017

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	May 11, 2017
Property Address	198 WESLEY CIR, TOCCOA, GA 30577-8992
Document Number	0011210423
Book / Page	001121 / 000423
Instrument Date	May 8, 2016
Transaction Type	Transfer
Record Updated	Jun 1, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$132.00
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,162.00 (+36.06%) Homeowner's exemption	$212,015 (+63.4%) Land $4,754 Building $207,261	$530,039 (+63.4%) Land $11,886 Building $518,153
2023	$4,529.00 (+4.79%) Homeowner's exemption	$129,749 (+6.17%) Land $4,754 Building $124,995	$324,373 (+6.17%) Land $11,886 Building $312,487
2022	$4,322.00 Homeowner's exemption	$122,211 Land $4,754 Building $117,457	$305,529 Land $11,886 Building $293,643

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	3 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 51% of the US · above 69% 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.

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

Provider	Max Down / Up (Mbps)
TruVista Communications Cable	500 / 50
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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