Stephens County property record for 26 Elm Dr, Toccoa, GA 30577
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,650 sqft · built 1972 |
| Lot Size | 0.39 acres (16,988 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $72,000 (Jan 2014) |
| Tax Bill | $660 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Feb 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T25 096 |
| Primary APN | T25 096 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,650 sqft Heated Area |
| Basement Area | 575 sqft |
| Finished Basement | 575 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 16,988 sqft (0.39 acres) |
| Terrain | Gentle Slope |
| Garage Type | Carport |
| Garage Area | 228 sqft |
| Carport | Carport |
| Carport Area | 228 sqft |
| Deck Area | 192 sqft |
|---|---|
| Patio Area | 192 sqft |
| Lean-To | 84 sqft |
| Utility Building | 308 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 686450 |
|---|---|
| Street Address | 26 ELM DR |
| City | TOCCOA |
| State | GA |
| Zip | 30577-3200 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-IA |
| Legal Description | LOT 16 PINE VALLEY EXT S/D |
| Legal Subdivision | PINE VALLEY |
| Legal Lot Number | 16 |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | TOCCOA |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 970102 |
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 | 26 ELM DR, TOCCOA, GA 30577-3200 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 11, 2021 | Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE |
| Feb 5, 2020 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS |
| Oct 31, 2017 | Loan Modification, Mortgage · VA Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 13, 2014 · Amount on Record |
| Deed Sale | Jan 13, 2014 · Amount on Record |
| Prior Sale | Dec 6, 2004 |
| Deed Document Number | 201433 |
| Deed Book / Page | 1032 / 162 |
| Last Transfer Date | Mar 5, 2024 |
| Transfer Doc | 0013670152 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 26 ELM DR, TOCCOA, GA 30577-3200 |
| Transaction Type | Mortgage |
| Record Updated | Nov 8, 2021 |
| Name | Verified Name |
|---|---|
| Address | 26 ELM DR, TOCCOA, GA 30577-3200 |
| Document Number | 0012700000000174 |
|---|---|
| Date | Oct 11, 2021 |
| Book Page | 0000001270/0000000174 |
| Name | ROCKET MORTGAGE |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 26 ELM DR, TOCCOA, GA 30577-3200 |
| Document Number | 0012020255 |
| Instrument Date | Feb 5, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 4, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Address | 26 ELM DR TOCCOA GA 305773200, TOCCOA, GA 30577-3200 |
| Document Number | 0012020255 |
|---|---|
| Date | Feb 20, 2020 |
| Book Page | 001202/000255 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Feb 19, 2045 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 26 ELM DR, TOCCOA, GA 30577-3200 |
| Document Number | 0011360165 |
| Book / Page | 001136 / 000165 |
| Instrument Date | Oct 31, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Dec 6, 2017 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES |
| Name | Verified Name |
|---|---|
| Address | 26 ELM DR TOCCOA GA 305773200, TOCCOA, GA 30577-3200 |
| Document Number | 0011360165 |
|---|---|
| Date | Nov 15, 2017 |
| Book Page | 001136/000165 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 14, 2047 |
Source: Stephens County assessment roll, as of March 12, 2026
| 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 | $660.00 (+159.84%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $58,927 (+62.45%) Land $3,599 Building $55,328 | $147,319 (+62.45%) Land $8,998 Building $138,321 |
| 2023 | $254.00 (-79.06%) Homeowner's exemption | $36,273 (+5.74%) Land $3,599 Building $32,674 | $90,684 (+5.74%) Land $8,998 Building $81,686 |
| 2022 | $1,213.00 Homeowner's exemption | $34,305 Land $3,599 Building $30,706 | $85,764 Land $8,998 Building $76,766 |
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
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · lower than 65% of Georgia |
|---|---|
| Wildfire Likelihood | 0.06% 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 142 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber · DSL in parts of the area | 2,000 / 2,000 |
| TruVista Communications Cable | 500 / 50 |
| AT&T Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures