286 S Broad St, Toccoa, GA 30577 Property Records

Stephens County property record for 286 S Broad St, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	960 sqft · built 1973
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$775 (Feb 2015)
Tax Bill	$174 (2025)
Deeds & Mortgages	Jan 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T12 230`

Property Details

APN / Parcel Number

Primary APN	`T12 230`
Alternative APN	`638450`

Interior

Gross Area	960 sqft

Exterior

Construction Type	Frame
Lot Area	7,405 sqft (0.17 acres)
Terrain	Gentle Slope

Exterior Amenities

Porch	Porch
Porch Area	128 sqft
Canopy	240 sqft
Utility Building	96 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	638450
Street Address	286 S BROAD ST
City	TOCCOA
State	GA
Zip	30577-2677
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-III
Legal Description	S BROAD ST LOT
Legal Subdivision	0201 - PRIMARY - SF
Jurisdiction	STEPHENS GA
Township / Civil Division	TOCCOA
Census Block Group	1
Census Block	1033
Census Tract	970301

Owner

Source: Stephens County records, as of September 14, 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 Record
Mailing Address	PO BOX 301, TOCCOA, GA 30577-1405
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 12, 2015 · Amount on Record
Deed Sale	Feb 12, 2015 · Amount on Record
Prior Sale	May 6, 2014 · Amount on Record
Deed Document Number	2015156
Deed Book / Page	1059 / 280
Record Updated	Oct 29, 2026

January 2018: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	STEPHENS GA
Recording Date	Jan 24, 2018
Property Address	286 S BROAD ST, TOCCOA, GA 30577-2677
Document Number	0011410218
Book / Page	001141 / 000218
Instrument Date	Jun 21, 2002
Transaction Type	Mortgage
Record Updated	Feb 7, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	286 S BROAD ST TOCCOA GA 305772677, TOCCOA, GA 30577-2677

Mortgage

Document Number	11410219
Date	Jan 24, 2018
Book Page	001141/000219

Lender

Name	NORTH MAIN CU
Address	CORNELIA, GA 30531

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jan 23, 2023

Tax Assessment & Valuation

Source: Stephens County assessment roll, as of March 12, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$174.00 (+56.76%)	$4,995 (+58.22%) Land $896 Building $4,099	$12,487 (+58.2%) Land $2,240 Building $10,247
2023	$111.00	$3,157 Land $896 Building $2,261	$7,893 Land $2,240 Building $5,653

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	Low lower than 67% of the US · lower than 91% of Georgia
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 247 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
Verizon Fixed Wireless	300 / 20