243 Dusty Trl, Toccoa, GA 30577 Property Records

Banks County property record for 243 Dusty Trl, Toccoa, GA 30577

Property Summary

Property Type	Rural Home
Details	3 bd · 3 ba · 2,828 sqft · built 2013
Lot Size	3.77 acres (164,221 sqft)
Owner	Individual Name on File
Last Sale	$330,000 (Oct 2020)
Tax Bill	$4,203 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`B71 025A`

Property Details

APN / Parcel Number

Primary APN	`B71 025A`
Alternative APN	`9846`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,828 sqft Heated Area
1st Floor Area	2,828 sqft
Basement Area	2,828 sqft
Unfinished Basement	2,828 sqft
Flooring	Plywood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Exterior Material	Siding
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable
Roof Material	Metal
Lot Area	164,221 sqft (3.77 acres)
Garage Area	600 sqft

Exterior Amenities

Pool Area	600 sqft
Porch	Open Porch
Porch Area	248 sqft
Deck Area	112 sqft
Patio Area	272 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	9846
Street Address	243 DUSTY TRL
City	TOCCOA
State	GA
Zip	30577-4706
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	ARR
Legal Description	PB 33-94
Jurisdiction	BANKS GA
Township / Civil Division	BALDWIN
Census Block Group	3
Census Block	3064
Census Tract	970100

Owner

243 Dusty Trl, a rural home, is owned and occupied by an individual who bought it in October 2020.

Source: Banks County records, as of November 13, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	5150 SAWNEE LN, GAINESVILLE, GA 30506-3826
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2020	Deed of Trust, Mortgage TURPEN JASON
Nov 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE
Oct 10, 2020	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 10, 2020 · Amount on File
Deed Sale	Oct 10, 2020 · Amount on File
Deed Document Number	0000490590
Deed Book / Page	490 / 590
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BANKS GA
Property Address	243 DUSTY TRL, TOCCOA, GA 30577-4706
Transaction Type	Mortgage
Record Updated	May 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	243 DUSTY TRL

Mortgage

Document Number	0000000494/0000000085
Date	Dec 9, 2020
Book Page	0000000494/0000000085

Lender

Name	TURPEN JASON

Agreement

Amount	Amount on Record
Term	24 Months
Due	Jan 1, 2022

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BANKS GA
Property Address	243 DUSTY TRL, TOCCOA, GA 30577-4706
Transaction Type	Mortgage
Record Updated	Apr 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	243 DUSTY TRL

Mortgage

Document Number	0000000515/0000000517
Date	Nov 2, 2021
Book Page	0000000515/0000000517

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BANKS GA
Recording Date	Oct 10, 2020
Property Address	243 DUSTY TRL, TOCCOA, GA 30577-4706
Document Number	000490/590
Book / Page	490 / 590
Instrument Date	Oct 10, 2020
Instrument	2020-000847
Transaction Type	Transfer
Record Updated	Apr 2, 2024

Transaction

Amount	Amount on Record
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	5150 SAWNEE LN, GAINESVILLE, GA 30506-3826

Mortgage

Document Number	0000000490/0000000593
Date	Oct 29, 2020
Book Page	0000000490/0000000593

Lender

Name	QUICKEN LOANS

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 243 Dusty Trl was $4,203 with a homeowner's exemption, down 3.2% from the year before.

Source: Banks County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Georgia
County	Banks County
Unified School District	Banks County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,203.00 (-3.25%) Homeowner's exemption	$230,860 (+3.75%) Land $15,158 Building $215,702	$577,150 (+3.75%) Land $37,896 Building $539,254
2024	$4,344.00 (+18.33%) Homeowner's exemption	$222,512 (+11.04%) Land $13,780 Building $208,732	$556,282 (+11.04%) Land $34,451 Building $521,831
2023	$3,671.00 (+1.63%) Homeowner's exemption	$200,390 (+15.21%) Land $15,436 Building $184,954	$500,976 (+15.21%) Land $38,591 Building $462,385
2022	$3,612.00 Homeowner's exemption	$173,939 Land $11,618 Building $162,321	$434,847 Land $29,044 Building $405,803

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 243 Dusty Trl in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 17, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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

Wildfire risk around 243 Dusty Trl is moderate, ranking above 48% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 48% of the US · above 58% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	10 / 1

Cell Coverage

4G LTE (outdoors only), no 5G reported

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