Stephens County property record for 231 Oak Cliff Dr, Toccoa, GA 30577
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,531 sqft · built 1977 |
| Lot Size | 0.519 acres (22,651 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $126,900 (May 2019) |
| Tax Bill | $3,085 (2025) |
| Deeds & Mortgages | Mar 2017 Mortgage Jun 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T08 033 |
| Primary APN | T08 033 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,531 sqft Heated Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 22,651 sqft (0.519 acres) |
| Terrain | Gentle Slope |
| Porch | Porch |
| Porch Area | 220 sqft |
| Utility Building | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Account Number | 498750 |
|---|---|
| Street Address | 231 OAK CLIFF DR |
| City | TOCCOA |
| State | GA |
| Zip | 30577-8308 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-IA |
| Legal Description | PT LOT 77 GREEN ACRES S/D |
| Legal Subdivision | GREEN ACRES S/D |
| Legal Lot Number | 77 |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | TOCCOA |
| Census Block Group | 2 |
| Census Block | 2030 |
| Census Tract | 970101 |
Source: Stephens County records, as of March 11, 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 231 OAK CLIFF DR, TOCCOA, GA 30577-8308 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 28, 2017 | Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY MORTGAGE |
| Jun 3, 2019 | Warranty Deed, Transfer SOUTH ST BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 30, 2019 · Amount on Record |
| Deed Sale | May 30, 2019 · Amount on Record |
| Prior Sale | Mar 17, 2017 · Amount on Record |
| Deed Document Number | 0001179390 |
| Deed Book / Page | 1179 / 390 |
| Last Transfer Date | Jun 3, 2019 |
| Transfer Doc | 0011790390 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 231 OAK CLIFF DR, TOCCOA, GA 30577-8308 |
| Transaction Type | Mortgage |
| Record Updated | Jul 2, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0011170166 |
|---|---|
| Date | Mar 28, 2017 |
| Book Page | 1117/166 |
| Name | UNITED COMMUNITY MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Jun 3, 2019 |
| Property Address | 231 OAK CLIFF DR, TOCCOA, GA 30577-8308 |
| Document Number | 0011790390 |
| Book / Page | 001179 / 000390 |
| Instrument Date | May 30, 2019 |
| Transaction Type | Transfer |
| Record Updated | Jun 24, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $126.90 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 231 OAK CLIFF DR TOCCOA GA 30577, TOCCOA, GA 30577 |
| Document Number | 11790392 |
|---|---|
| Date | Jun 3, 2019 |
| Book Page | 001179/000392 |
| Name | SOUTH ST BK |
|---|---|
| Type | Bank |
| Address | CHARLESTON, SC 29406 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jun 2, 2049 |
Source: Stephens County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Georgia |
| County | Stephens County |
| Municipality | Toccoa City |
| Unified School District | Stephens County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,085.00 (+61.35%) | $88,438 (+63.55%) Land $3,524 Building $84,914 | $221,093 (+63.55%) Land $8,809 Building $212,284 |
| 2023 | $1,912.00 (+6.34%) | $54,074 (+6.36%) Land $3,524 Building $50,550 | $135,184 (+6.36%) Land $8,809 Building $126,375 |
| 2022 | $1,798.00 | $50,839 Land $3,524 Building $47,315 | $127,097 Land $8,809 Building $118,288 |
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.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · above 51% of Georgia |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 50 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Point Broadband Fiber | 1,000 / 1,000 |
| TruVista Communications Cable · Fiber in parts of the area | 500 / 50 |
5G (outdoors only) and 4G LTE
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