2551 Prospect Rd, Toccoa, GA 30577 Property Records

Franklin County property record for 2551 Prospect Rd, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,472 sqft · built 1950
Lot Size	1.55 acres (67,518 sqft)
Owner	Company Name on Record
Tax Bill	$1,310 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Apr 2026 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`002A-028`

Property Details

APN / Parcel Number

Primary APN	`002A-028`
Alternative APN	`1849`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,472 sqft Heated Area
1st Floor Area	1,280 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1950
Effective Year Built	Effective 2000
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	67,518 sqft (1.55 acres)
Terrain	Rolling
Garage Area	400 sqft
Porch	Slab
Porch Area	576 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	1849
Street Address	2551 PROSPECT RD
City	TOCCOA
State	GA
Zip	30577-5211
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	UNZONED RU
Legal Description	1.55 ACRES PROSPECT RD
Legal Subdivision	ACRES PROSPECT RD
Jurisdiction	FRANKLIN GA
Township / Civil Division	CARNESVILLE
Census Block Group	3
Census Block	3008
Census Tract	890201

Owner

Source: Franklin County records, as of July 2, 2026

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

Owner of Record	Company Name on Record
Mailing Address	295 BORDERS RD, COMMERCE, GA 30530-6834
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2026	Quit Claim Deed, Transfer · Conventional Mortgage ENVOY MORTGAGE
Apr 14, 2026	Quit Claim Deed, Transfer Quitclaim
Dec 24, 2025	Quit Claim Deed, Transfer Quitclaim
Nov 3, 2023	Warranty Deed, Transfer · Conventional Mortgage EVERETT FINANCIAL
Oct 16, 2017	Deed of Trust, Mortgage · Conventional with PMI FIRST AMERICAN BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 14, 2026
Deed Sale	Apr 14, 2026
Prior Sale	Apr 14, 2026
Deed Book / Page	1731 / 271
Prior Transfer Date	Apr 10, 2026
Prior Transfer Doc	001731/271
Record Updated	Oct 29, 2026

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN GA
Recording Date	Apr 14, 2026
Property Address	2551 PROSPECT RD, TOCCOA, GA 30577-5211
Document Number	001731/252
Book / Page	1731 / 252
Instrument Date	Apr 10, 2026
Transaction Type	Transfer
Record Updated	Jul 12, 2026

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	295 BORDERS RD, COMMERCE, GA 30530-6834

Mortgage

Document Number	1731000254,
Date	Apr 14, 2026
Book Page	1731/254

Lender

Name	ENVOY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate	6.11%
Max Rate	-1%

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN GA
Recording Date	Apr 14, 2026
Property Address	2551 PROSPECT RD, TOCCOA, GA 30577-5211
Document Number	001731/271
Book / Page	1731 / 271
Instrument Date	Apr 10, 2026
Transaction Type	Transfer
Record Updated	Aug 27, 2026

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	295 BORDERS RD, COMMERCE, GA 30530-6834

December 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN GA
Recording Date	Dec 24, 2025
Property Address	2551 PROSPECT RD, TOCCOA, GA 30577-5211
Document Number	001714/272
Book / Page	1714 / 272
Instrument Date	Dec 19, 2025
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	295 BORDERS RD, COMMERCE, GA 30530-6834

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN GA
Recording Date	Nov 3, 2023
Property Address	2551 PROSPECT RD, TOCCOA, GA 30577-5211
Document Number	001599/121
Book / Page	1599 / 121
Instrument Date	Oct 31, 2023
Instrument	2023001393
Transaction Type	Transfer
Record Updated	Dec 12, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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
Relationship	Joint Tenants with Right of Survivorship
Address	GA

Mortgage

Document Number	0001599128
Date	Nov 3, 2023
Instrument	1599/128

Lender

Name	EVERETT FINANCIAL

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	350 Months
Due	Jan 1, 2053

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN GA
Property Address	2551 PROSPECT RD, TOCCOA, GA 30577-5211
Document Number	0012780228
Instrument Date	Oct 16, 2017
Transaction Type	Mortgage
Record Updated	Aug 28, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2551 PROSPECT RD TOCCOA GA 305775211, TOCCOA, GA 30577-5211

Mortgage

Document Number	0012780228
Date	Oct 23, 2017
Book Page	001278/000228

Lender

Name	FIRST AMERICAN BK
Type	Bank
Address	ATHENS, GA 30601

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 22, 2047

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of December 12, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,310.00 (+87.95%)	$56,734 (+20.6%) Land $9,978 Building $46,756	$141,835 (+20.6%) Land $24,945 Building $116,890
2023	$697.00 (-36%) Homeowner's exemption	$47,043 (+11.41%) Land $3,814 Building $43,228	$117,607 (+11.41%) Land $9,536 Building $108,071
2022	$1,089.00 Homeowner's exemption	$42,227 Land $2,965 Building $39,262	$105,567 Land $7,412 Building $98,155

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 26, 2008

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

Values are read at the parcel center point; 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 49% 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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	200 / 20

Cell Coverage

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

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