Stephens County property record for 281 Heritage Ln, Toccoa, GA 30577
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,545 sqft · built 1995 |
| Lot Size | 2.49 acres (108,464 sqft) |
| Owner | Trust Name on File |
| Last Sale | $440,000 (Aug 2023) |
| Tax Bill | $4,627 (2025) |
| Deeds & Mortgages | Aug 2023 Sale Oct 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 041A 030 |
| Primary APN | 041A 030 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,545 sqft Heated Area |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | No Foundation |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 108,464 sqft (2.49 acres) |
| Terrain | Gentle Slope |
| Garage Area | 528 sqft |
| Porch | Slab |
| Porch Area | 614 sqft |
| Utility Building | 280 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Electric |
| Account Number | 376230 |
|---|---|
| Street Address | 281 HERITAGE LN |
| City | TOCCOA |
| State | GA |
| Zip | 30577-8411 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-IA |
| Legal Description | LOT 13 TUGALO HEIGHTS S/D |
| Legal Subdivision | TUGALO HEIGHTS |
| Legal Lot Number | 13 |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | TOCCOA |
| Census Block Group | 1 |
| Census Block | 1070 |
| Census Tract | 970102 |
281 Heritage Ln is owner-occupied and held in a trust since August 2023.
Source: Stephens County records, as of March 12, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 281 HERITAGE LN, TOCCOA, GA 30577-8411 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 14, 2023 | Warranty Deed, Transfer |
| Oct 10, 2018 | Quit Claim Deed, Mortgage · Conventional Mortgage MAGNOLIA BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 14, 2023 · Amount on File |
| Deed Sale | Aug 14, 2023 · Amount on File |
| Prior Sale | Aug 1, 1996 · Amount on File |
| Deed Book / Page | 1339 / 311 |
| Prior Transfer Date | Oct 3, 2018 |
| Prior Transfer Doc | 0011620049 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Aug 14, 2023 |
| Property Address | 281 HERITAGE LN, TOCCOA, GA 30577-8411 |
| Document Number | 0013390311 |
| Book / Page | 1339 / 311 |
| Instrument Date | Aug 9, 2023 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 281 HERITAGE LN, TOCCOA, GA 30577-8411 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Oct 10, 2018 |
| Property Address | 281 HERITAGE LN, TOCCOA, GA 30577-8411 |
| Document Number | 0011620049 |
| Book / Page | 001162 / 000049 |
| Instrument Date | Oct 3, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 18, 2018 |
| Title Company | TRANSTAR NATIONAL TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 281 HERITAGE LN TOCCOA GA 305778411, TOCCOA, GA 30577-8411 |
| Document Number | 11620052 |
|---|---|
| Date | Oct 10, 2018 |
| Book Page | 001162/000052 |
| Name | MAGNOLIA BK |
|---|---|
| Type | Bank |
| Address | CAMPBELLSVILLE, KY 42718 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 9, 2048 |
The 2025 property tax bill for 281 Heritage Ln was $4,627 with exemptions applied.
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 | $4,627.00 Homeowner's exemption Senior Citizen's exemption | $192,252 Land $6,342 Building $185,910 | $480,629 Land $15,854 Building $464,775 |
| 2023 | $2,579.00 (-24.81%) Homeowner's exemption | $102,287 (+5.47%) Land $4,756 Building $97,531 | $255,718 (+5.47%) Land $11,891 Building $243,827 |
| 2022 | $3,430.00 Homeowner's exemption | $96,984 Land $4,756 Building $92,228 | $242,461 Land $11,891 Building $230,570 |
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.
FEMA maps place 281 Heritage Ln in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 26, 2008 · 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 risk around 281 Heritage Ln 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.
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 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Windstream DSL | 100 / 20 |
| T-Mobile Fixed Wireless | 25 / 3 |
May also be available: AT&T, Point Broadband, TruVista Communications.
5G (outdoors only) and 4G LTE
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