232 Oak Cliff Dr, Toccoa, GA 30577 Property Records

Stephens County property record for 232 Oak Cliff Dr, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,850 sqft · built 1978
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on Record
Last Sale	$85,000 (Feb 2015)
Tax Bill	$1,837 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Jun 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T08 027`

Property Details

APN / Parcel Number

Primary APN	`T08 027`
Alternative APN	`498100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,850 sqft Heated Area
Basement Area	621 sqft
Finished Basement	621 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1982
Architectural Style	Ranch
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,197 sqft (0.28 acres)
Terrain	Gentle Slope
Garage Type	Carport
Garage Area	216 sqft
Carport	Carport
Carport Area	216 sqft
Deck Area	120 sqft
Patio Area	120 sqft
Utility Building	112 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	498100
Street Address	232 OAK CLIFF DR
City	TOCCOA
State	GA
Zip	30577-8309
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-IA
Legal Description	OAKCLIFF DR LOT 58 GREEN ACRES S/D
Legal Subdivision	GREEN ACRES S/D
Legal Lot Number	58
Jurisdiction	STEPHENS GA
Township / Civil Division	TOCCOA
Census Block Group	2
Census Block	2029
Census Tract	970101

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	232 OAK CLIFF DR, TOCCOA, GA 30577-8309
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2020	Deed of Trust, Mortgage · FHA Mortgage VILLAGE CAP & INV LLC
Jun 4, 2019	Deed of Trust, Mortgage · FHA Mortgage VILLAGE CAP & INV LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 13, 2015 · Amount on Record
Deed Sale	Feb 13, 2015 · Amount on Record
Prior Sale	Jan 22, 2004
Deed Document Number	2015136
Deed Book / Page	1058 / 499
Prior Transfer Date	Oct 22, 1993
Prior Transfer Doc	0295000380
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	232 OAK CLIFF DR, TOCCOA, GA 30577-8309
Document Number	0012350426
Instrument Date	Dec 22, 2020
Transaction Type	Mortgage
Record Updated	Feb 1, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 OAK CLIFF DR TOCCOA GA 305778309, TOCCOA, GA 30577-8309

Mortgage

Document Number	0012350426
Date	Jan 8, 2021
Book Page	001235/000426

Lender

Name	VILLAGE CAP & INV LLC
Address	HENDERSON, NV 89052

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 7, 2036

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	232 OAK CLIFF DR, TOCCOA, GA 30577-8309
Document Number	0011830103
Instrument Date	Jun 4, 2019
Transaction Type	Mortgage
Record Updated	Jul 24, 2019
Title Company	MILESTONE SETTLEMENT LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 OAK CLIFF DR TOCCOA GA 305778309, TOCCOA, GA 30577-8309

Mortgage

Document Number	0011830103
Date	Jul 9, 2019
Book Page	001183/000103

Lender

Name	VILLAGE CAP & INV LLC
Address	HENDERSON, NV 89052

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 8, 2034

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	$1,837.00 (+37.19%) Homeowner's exemption	$64,567 (+63.2%) Land $3,218 Building $61,349	$161,418 (+63.21%) Land $8,045 Building $153,373
2023	$1,339.00 (+1.29%) Homeowner's exemption	$39,562 (+5.83%) Land $3,218 Building $36,344	$98,905 (+5.82%) Land $8,045 Building $90,860
2022	$1,322.00 Homeowner's exemption	$37,384 Land $3,218 Building $34,166	$93,461 Land $8,045 Building $85,416

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
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.

Wildfire

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.

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 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

Cell Coverage

5G (outdoors only) and 4G LTE

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