222 Cedar Rdg Dr, Toccoa, GA 30577 Property Records

Stephens County property record for 222 Cedar Rdg Dr, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,190 sqft · built 1991
Lot Size	1.31 acres (57,064 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Oct 2020)
Tax Bill	$2,441 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Aug 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`051C 076`

Property Details

APN / Parcel Number

Primary APN	`051C 076`
Alternative APN	`342960`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,190 sqft Heated Area
Basement Area	1,460 sqft
Unfinished Basement	1,460 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2000
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	57,064 sqft (1.31 acres)

Exterior Amenities

Porch	Slab
Porch Area	100 sqft
Deck Area	144 sqft
Patio Area	384 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	342960
Street Address	222 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 10 CEDAR RIDGE S/D
Legal Subdivision	CEDAR RIDGE
Legal Lot Number	10
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 August 17, 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	222 CEDAR RIDGE DR, TOCCOA, GA 30577-8649
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2026	Deed of Trust, Mortgage · FHA Mortgage US DEPARTMENT OF HOUSING AND URBAN DEVEL
Aug 8, 2024	Deed of Trust, Mortgage · FHA Mortgage US DEPARTMENT OF HOUSING AND URBAN DEVEL
Mar 3, 2025	Deed of Trust, Mortgage · FHA Mortgage US DEPARTMENT OF HOUSING AND URBAN DEVEL
Oct 13, 2020	Grant Deed, Transfer · FHA Mortgage EQUITY PRIME MTG
Feb 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage JOHN HYLTON

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 2, 2020 · Amount on Record
Deed Sale	Oct 2, 2020 · Amount on Record
Prior Sale	Oct 26, 2012 · Amount on Record
Deed Document Number	20201137
Deed Book / Page	1225 / 157
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Recording Date	Jul 14, 2026
Property Address	222 CEDAR RIDGE DR, TOCCOA, GA 30577-8649
Document Number	0000002059
Book / Page	1457 / 229
Instrument Date	Jun 22, 2026
Instrument	20262059
Transaction Type	Mortgage
Record Updated	Aug 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	222 CEDAR RIDGE DR, TOCCOA, GA 30577-8649

Mortgage

Document Number	0000002059,
Date	Jul 14, 2026
Book Page	1457/229
Instrument	20262059

Lender

Name	US DEPARTMENT OF HOUSING AND URBAN DEVEL

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	288 Months
Due	Jun 1, 2050

Interest

Rate	6.51%
Max Rate	-1%

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	222 CEDAR RIDGE DR, TOCCOA, GA 30577-8649
Transaction Type	Mortgage
Record Updated	Mar 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	222 CEDAR RIDGE DR, TOCCOA, GA 30577-8649

Mortgage

Document Number	0013760000000054
Date	Aug 8, 2024
Book Page	0000001376/0000000054
Instrument	2024001344

Lender

Name	US DEPARTMENT OF HOUSING AND URBAN DEVEL

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	312 Months
Due	Jan 1, 2050

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	222 CEDAR RIDGE DR, TOCCOA, GA 30577-8649
Transaction Type	Mortgage
Record Updated	Mar 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	222 CEDAR RIDGE DR, TOCCOA, GA 30577-8649

Mortgage

Document Number	0013970000000400
Date	Mar 3, 2025
Book Page	0000001397/0000000400

Lender

Name	US DEPARTMENT OF HOUSING AND URBAN DEVEL

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jan 1, 2050

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STEPHENS GA
Recording Date	Oct 13, 2020
Property Address	222 CEDAR LN, TOCCOA, GA 30577
Document Number	0012250157
Book / Page	001225 / 000157
Instrument Date	Oct 2, 2020
Transaction Type	Transfer
Record Updated	Oct 28, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$200.00
Amount Accuracy	Confirmed
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	222 CEDAR RIDGE DR TOCCOA GA 305778649, TOCCOA, GA 30577-8649

Mortgage

Document Number	12250159
Date	Oct 13, 2020
Book Page	001225/000159

Lender

Name	EQUITY PRIME MTG
Address	ATLANTA, GA 30328

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 12, 2050

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	222 CEDAR LN, TOCCOA, GA 30577
Document Number	0011160224
Book / Page	001116 / 000224
Instrument Date	Feb 27, 2017
Transaction Type	Mortgage
Record Updated	May 4, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	222 CEDAR RIDGE DR TOCCOA GA 305778649, TOCCOA, GA 30577-8649

Mortgage

Document Number	0011160224
Date	Mar 17, 2017
Book Page	001116/000224

Lender

Name	JOHN HYLTON
Address	PO BOX 675, FRANKLIN SPRINGS, GA 30639-0675

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Mar 16, 2022

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	$2,441.00 (+23.59%) Homeowner's exemption	$109,124 (+59.63%) Land $4,662 Building $104,462	$272,808 (+59.63%) Land $11,654 Building $261,154
2023	$1,975.00 (+2.76%) Homeowner's exemption	$68,360 (+5.87%) Land $4,662 Building $63,698	$170,898 (+5.87%) Land $11,654 Building $159,244
2022	$1,922.00 Homeowner's exemption	$64,568 Land $4,662 Building $59,906	$161,420 Land $11,654 Building $149,766

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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