245 Cherokee Rd, Toccoa, GA 30577 Property Records

Stephens County property record for 245 Cherokee Rd, Toccoa, GA 30577 · Last verified March 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,360 sqft · built 2008
Lot Size	0.55 acres (23,958 sqft)
Owner	2 Individual Names on File
Last Sale	$35,000 (Jun 2005)
Tax Bill	$1,533 (2025)
Deeds & Mortgages	May 2021 Mortgage May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`049D 096`

Property Details

APN / Parcel Number

Primary APN	`049D 096`
Alternative APN	`363150`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,360 sqft Heated Area
Attic Area	650 sqft
Basement Area	650 sqft
Finished Basement	450 sqft
Unfinished Basement	200 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	23,958 sqft (0.55 acres)
Terrain	Gentle Slope

Exterior Amenities

Porch	Porch
Porch Area	200 sqft
Deck Area	300 sqft
Patio Area	396 sqft
Utility Building	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	363150
Old Parcel Number	049D 096
Street Address	245 CHEROKEE RD
City	TOCCOA
State	GA
Zip	30577-8336
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 29 CHEROKEE SPRINGS DEVELOPMENT
Legal Subdivision	CHEROKEE SPRINGS DEVELOPMENT
Legal Lot Number	29
Jurisdiction	STEPHENS GA
Township / Civil Division	ROCK CREEK
Census Block Group	4
Census Block	4008
Census Tract	970202

Owner

Source: Stephens County records · APN 049D 096

Assessment roll updated July 1, 2025 · Last verified March 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	245 CHEROKEE RD, TOCCOA, GA 30577-8336
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 06, 2021	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
May 01, 2021	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BK
Jul 17, 2018	Deed of Trust, Mortgage · Loan Modification REGIONS BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 01, 2005 · Amount on Record
Deed Sale	Jun 01, 2005 · Amount on Record
Deed Document Number	0000711498
Deed Book / Page	711 / 498
Record Updated	Jun 08, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	245 CHEROKEE RD, TOCCOA, GA 30577-8336
Transaction Type	Mortgage
Record Updated	Feb 09, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 CHEROKEE RD, TOCCOA, GA 30577-8336

Mortgage

Document Number	0012500000000424
Date	May 06, 2021
Book Page	0000001250/0000000424

Lender

Name	REGIONS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jan 01, 2031

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	245 CHEROKEE RD, TOCCOA, GA 30577-8336
Document Number	0012500424
Instrument Date	May 01, 2021
Transaction Type	Mortgage
Record Updated	Jun 09, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	245 CHEROKEE RD TOCCOA GA 305778336, TOCCOA, GA 30577-8336

Mortgage

Document Number	0012500424
Date	May 06, 2021
Book Page	001250/000424

Lender

Name	REGIONS BK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	May 05, 2031

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	245 CHEROKEE RD, TOCCOA, GA 30577-8336
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011550146
Date	Jul 17, 2018
Book Page	1155/146

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Loan Modification
Amount	Amount Recorded
Term	180 Months
Due	Aug 01, 2033

Tax Assessment & Valuation

Source: Stephens County records · Assessment roll updated July 1, 2025 · Last verified March 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,533.00 (+24.23%) Homeowner's exemption	$69,450 (+59.76%) Land $2,774 Building $66,676	$173,625 (+59.76%) Land $6,935 Building $166,690
2023	$1,234.00 (+1.06%) Homeowner's exemption	$43,472 (+5.93%) Land $2,774 Building $40,698	$108,679 (+5.93%) Land $6,935 Building $101,744
2022	$1,221.00 Homeowner's exemption	$41,038 Land $2,774 Building $38,264	$102,594 Land $6,935 Building $95,659

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 132579702024, 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	1 in force

Wildfire

Wildfire Risk	Moderate above 46% of the US · above 50% of Georgia
Wildfire Likelihood	About 1 in 1,111 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 32 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
TruVista Communications	Fiber	5,000 / 5,000
Starlink	Satellite (low-earth orbit)	280 / 30

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

Mobile Coverage

5G (outdoors only) and 4G LTE

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