206 Cedar Rdg Dr, Toccoa, GA 30577 Property Records

Stephens County property record for 206 Cedar Rdg Dr, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,860 sqft · built 1991
Lot Size	1.48 acres (64,469 sqft)
Owner	Individual Name on Record
Last Sale	$243,000 (Jun 2021)
Tax Bill	$2,823 (2025)
Deeds & Mortgages	Jun 2025 Line of Credit Jun 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`051C 075`

Property Details

APN / Parcel Number

Primary APN	`051C 075`
Alternative APN	`342959`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,860 sqft Heated Area
Basement Area	1,080 sqft
Finished Basement	1,080 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1999
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Metal Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	64,469 sqft (1.48 acres)
Garage Area	528 sqft

Exterior Amenities

Porch	Slab
Porch Area	280 sqft
Deck Area	488 sqft
Patio Area	1,136 sqft
Lean-To	40 sqft
Utility Building	240 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	342959
Street Address	206 CEDAR RIDGE DR
City	TOCCOA
State	GA
Zip	30577-8649
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 9 CEDAR RIDGE S/D
Legal Subdivision	CEDAR RIDGE
Legal Lot Number	9
Jurisdiction	STEPHENS GA
Township / Civil Division	ROCK CREEK
Census Block Group	1
Census Block	1011
Census Tract	970202

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	206 CEDAR RIDGE DR, TOCCOA, GA 30577-8649
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2025	Deed of Trust, Mortgage · Line of Credit OCONEE FEDERAL SAVINGS AND LOAN
Jun 9, 2021	Warranty Deed, Transfer · Conventional Mortgage OCONEE FEDERAL SAVINGS AND LOAN
Jun 10, 2021	Grant Deed, Transfer ATTORNEY ONLY
Apr 4, 2019	Deed of Trust, Mortgage · Line of Credit PNC BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 9, 2021 · Amount on Record
Deed Sale	Jun 9, 2021 · Amount on Record
Prior Sale	May 16, 2002 · Amount on Record
Deed Document Number	2021863
Deed Book / Page	1255 / 44
Record Updated	Sep 20, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	206 CEDAR RIDGE DR, TOCCOA, GA 30577-8649
Transaction Type	Mortgage
Record Updated	Mar 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	206 CEDAR RIDGE DR, TOCCOA, GA 30577-8649

Mortgage

Document Number	0014090000000097
Date	Jun 3, 2025
Book Page	0000001409/0000000097

Lender

Name	OCONEE FEDERAL SAVINGS AND LOAN

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jan 1, 2035

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Jun 9, 2021
Property Address	206 CEDAR RIDGE DR, TOCCOA, GA 30577-8649
Document Number	0012550044
Book / Page	1255 / 44
Instrument Date	Jun 9, 2021
Instrument	2021-000863
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	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	206 CEDAR RIDGE DR, TOCCOA, GA 30577-8649

Mortgage

Document Number	0000125546
Date	Jun 9, 2021
Instrument	1255/46

Lender

Name	OCONEE FEDERAL SAVINGS AND LOAN

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	355 Months
Due	Jan 1, 2051

June 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STEPHENS GA
Recording Date	Jun 10, 2021
Property Address	206 CEDAR LN, TOCCOA, GA 30577
Document Number	0012550044
Book / Page	001255 / 000044
Instrument Date	Jun 9, 2021
Transaction Type	Transfer
Record Updated	Jun 30, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$243.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	206 CEDAR RIDGE DR TOCCOA GA 305778649, TOCCOA, GA 30577-8649

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	206 CEDAR LN, TOCCOA, GA 30577
Document Number	0011760148
Instrument Date	Apr 4, 2019
Transaction Type	Mortgage
Record Updated	May 20, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	206 CEDAR RIDGE DR TOCCOA GA 305778649, TOCCOA, GA 30577-8649

Mortgage

Document Number	0011760148
Date	Apr 22, 2019
Book Page	001176/000148

Lender

Name	PNC BK
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	444 Months
Due	Apr 21, 2056

Interest

Rate Type	Adjustable Rate

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	$2,823.00 (+22.9%) Homeowner's exemption	$125,526 (+58.54%) Land $5,074 Building $120,452	$313,815 (+58.54%) Land $12,685 Building $301,130
2023	$2,297.00 (-1.54%) Homeowner's exemption	$79,177 (+1.03%) Land $5,074 Building $74,103	$197,943 (+1.03%) Land $12,685 Building $185,258
2022	$2,333.00 Homeowner's exemption	$78,370 Land $5,074 Building $73,296	$195,924 Land $12,685 Building $183,239

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 50% of the US · above 63% 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 61 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TruVista Communications Cable · Fiber in parts of the area	500 / 50
Verizon Fixed Wireless	300 / 20
Windstream DSL	200 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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