23 Flagstone Ln, Toccoa, GA 30577 Property Records

Stephens County property record for 23 Flagstone Ln, Toccoa, GA 30577 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,114 sqft · built 2024
Lot Size	0.65 acres (28,314 sqft)
Owner	2 Individual Names on File
Last Sale	$405,000 (Aug 2024)
Tax Bill	$6,463 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Feb 2024 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`042E 071`

Property Details

APN / Parcel Number

Primary APN	`042E 071`
Alternative APNs	`991350` `99010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,114 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Architectural Style	Ranch
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	28,314 sqft (0.65 acres)
Garage Area	460 sqft
Porch	Slab
Porch Area	134 sqft
Patio Area	171 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	991350
Street Address	23 FLAGSTONE LN
City	TOCCOA
State	GA
Zip	30577-8007
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 19 AYERS CREEK S/D
Legal Subdivision	AYERS CREEK
Legal Lot Number	19
Jurisdiction	STEPHENS GA
Township / Civil Division	TOCCOA
Census Block Group	4
Census Block	4020
Census Tract	970102

Owner

Source: Stephens County records · APN 042E 071

Assessment roll updated March 12, 2026 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	23 FLAGSTONE LN, TOCCOA, GA 30577-8007
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 06, 2026	Deed of Trust, Mortgage
Feb 05, 2024	Deed of Trust, Mortgage · Line of Credit NORTHEAST GEORGIA BANK
Aug 22, 2024	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage HOME LOAN ADVISORS
Oct 11, 2023	Warranty Deed, Subdivision Related Transfer
Oct 06, 2023	Warranty Deed, Transfer
Oct 11, 2023	Warranty Deed, Subdivision Related Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 22, 2024 · Amount on Record
Deed Sale	Aug 22, 2024 · Amount on Record
Prior Sale	Oct 11, 2023 · Amount on Record
Deed Book / Page	1377 / 310
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Recording Date	Apr 06, 2026
Property Address	23 FLAGSTONE LN, TOCCOA, GA 30577-8007
Document Number	0014450000000167
Book / Page	1445 / 167
Instrument Date	Mar 27, 2026
Instrument	202692
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 FLAGSTONE LN, TOCCOA, GA 30577-8007

Mortgage

Document Number	0000000092,
Date	Apr 06, 2026
Book Page	1445/167
Instrument	202692

Lender

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 01, 2056

Interest

Rate	5.98%
Max Rate	-1%

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	23 FLAGSTONE LN, TOCCOA, GA 30577-8007
Transaction Type	Mortgage
Record Updated	Mar 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	349 HWY 51 N, CARNESVILLE, GA 30521
Investor	Possibly a Property Investor

Mortgage

Document Number	0013560000000472
Date	Feb 05, 2024
Book Page	0000001356/0000000472

Lender

Name	NORTHEAST GEORGIA BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Jan 01, 2025

August 2024: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Aug 22, 2024
Property Address	23 FLAGSTONE LN, TOCCOA, GA 30577-8007
Document Number	0013770310
Book / Page	1377 / 310
Instrument Date	Jul 08, 2024
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 12, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	23 FLAGSTONE LN, TOCCOA, GA 30577-8007

Mortgage

Document Number	D2024001444
Date	Aug 22, 2024
Instrument	D2024001444

Lender

Name	HOME LOAN ADVISORS

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Jan 01, 2054

October 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Oct 11, 2023
Property Address	23 FLAGSTONE LN, TOCCOA, GA 30577-8007
Document Number	0013450463
Book / Page	1345 / 463
Instrument Date	Oct 11, 2023
Instrument	2023001495
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 12, 2026

Transaction

Amount	Amount Recorded
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	23 FLAGSTONE LN, TOCCOA, GA 30577-8007

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Oct 06, 2023
Property Address	23 FLAGSTONE LN, TOCCOA, GA 30577-8007
Document Number	0013450182
Book / Page	1345 / 182
Instrument Date	Oct 02, 2023
Transaction Type	Transfer
Record Updated	Mar 12, 2026

Transaction

Amount	Amount Recorded
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	23 FLAGSTONE LN, TOCCOA, GA 30577-8007
Investor	Possibly a Property Investor

October 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Oct 11, 2023
Property Address	23 FLAGSTONE LN, TOCCOA, GA 30577-8007
Document Number	0013450412
Book / Page	1345 / 412
Instrument Date	Oct 02, 2023
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 12, 2026

Transaction

Amount	Amount Recorded
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	23 FLAGSTONE LN, TOCCOA, GA 30577-8007

Tax Assessment & Valuation

Source: Stephens County records · Assessment roll updated March 12, 2026 · Last verified June 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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,463.00 (+1,876.45%)	$185,246 (+1,898.12%) Land $9,182 Building $176,064	$463,115 (+1,898.08%) Land $22,956 Building $440,159
2023	$327.00 (+33.47%)	$9,271 (+33.32%) Land $9,271	$23,178 (+33.33%) Land $23,178
2022	$245.00	$6,954 Land $6,954	$17,384 Land $17,384

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Stephens County (13257C), updated September 26, 2008 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 132579701024, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Nearby Flood Policies	3 in force

Wildfire

Wildfire Risk	Moderate above 46% of the US · above 50% of Georgia
Wildfire Likelihood	About 1 in 1,124 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 81 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
TruVista Communications	Cable	500 / 50
AT&T	Fixed Wireless	100 / 20

May also be available at this address: Uniti Group, Point Broadband Fiber Holding, TruVista Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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