Stephens County property record for 270 Richardson St, Toccoa, GA 30577
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,242 sqft · built 1981 |
| Lot Size | 0.99 acres (43,124 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $60,000 (Jul 2009) |
| Tax Bill | $1,260 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Sep 2022 Mortgage |
| Flood Zone | Zone A (high risk) |
| APN | 032A 128 |
| Primary APN | 032A 128 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,242 sqft Heated Area |
| Basement Area | 1,242 sqft |
| Unfinished Basement | 1,242 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1983 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 43,124 sqft (0.99 acres) |
| Terrain | Gentle Slope |
| Garage Type | Carport |
| Garage Area | 264 sqft |
| Carport | Carport |
| Carport Area | 264 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 63 sqft |
| Deck Area | 192 sqft |
| Patio Area | 192 sqft |
| Canopy | 135 sqft |
| Utility Building | 640 sqft |
| Cooling System | Other |
|---|---|
| Heating Fuel | Gas |
| Water Source | Commercial |
| Account Number | 705700 |
|---|---|
| Street Address | 270 RICHARDSON ST |
| City | TOCCOA |
| State | GA |
| Zip | 30577-3546 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS |
| Legal Description | LOTS 22 & 23 S M DAVIS S/D |
| Legal Subdivision | S M DAVIS |
| Legal Lot Number | 22,23 |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | TOCCOA |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 970301 |
Source: Stephens County records, as of July 20, 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 | 270 RICHARDSON ST, TOCCOA, GA 30577-3546 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 12, 2026 | Deed of Trust, Mortgage |
| Sep 23, 2022 | Deed of Trust, Mortgage · Conventional Mortgage HOMEOWNERS FINANCIAL |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 2, 2009 · Amount on Record |
| Deed Sale | Jul 2, 2009 · Amount on Record |
| Prior Sale | Jun 1, 1999 |
| Deed Book / Page | 902 / 82 |
| Transfer Doc | 0009020082 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | May 12, 2026 |
| Property Address | 270 RICHARDSON ST, TOCCOA, GA 30577-3546 |
| Document Number | 0000000013 |
| Book / Page | 1449 / 486 |
| Instrument Date | May 4, 2026 |
| Instrument | 202613 |
| Transaction Type | Mortgage |
| Record Updated | Jul 20, 2026 |
| Name | Verified Name |
|---|---|
| Address | 270 RICHARDSON ST, TOCCOA, GA 30577-3546 |
| Document Number | 0000000013, |
|---|---|
| Date | May 12, 2026 |
| Book Page | 1449/486 |
| Instrument | 202613 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | May 1, 2041 |
| Rate | 5.77% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 270 RICHARDSON ST, TOCCOA, GA 30577-3546 |
| Transaction Type | Mortgage |
| Record Updated | Nov 10, 2023 |
| Name | Verified Name |
|---|---|
| Address | 270 RICHARDSON ST, TOCCOA, GA 30577-3546 |
| Document Number | 0013100000000205 |
|---|---|
| Date | Sep 23, 2022 |
| Book Page | 0000001310/0000000205 |
| Name | HOMEOWNERS FINANCIAL |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2052 |
Source: Stephens County assessment roll, as of March 12, 2026
| Type | Name |
|---|---|
| State | Georgia |
| County | Stephens County |
| Unified School District | Stephens County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,260.00 (+43.84%) | $45,924 (+56.04%) Land $1,542 Building $44,382 | $114,809 (+56.05%) Land $3,855 Building $110,954 |
| 2023 | $876.00 (+5.04%) | $29,430 (+4.98%) Land $1,542 Building $27,888 | $73,574 (+4.98%) Land $3,855 Building $69,719 |
| 2022 | $834.00 | $28,035 Land $1,542 Building $26,493 | $70,087 Land $3,855 Building $66,232 |
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 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · lower than 84% of Georgia |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
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 110 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| TruVista Communications Cable | 500 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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