Stephens County property record for 288 S Broad St, Toccoa, GA 30577
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,014 sqft · built 1946 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | Individual Name on File |
| Last Sale | $157,000 (May 2026) |
| Tax Bill | $1,016 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage Sep 2026 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T12 229 |
| Primary APN | T12 229 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,014 sqft Heated Area |
| 1st Floor Area | 1,014 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1946 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 5,663 sqft (0.13 acres) |
| Porch | Slab |
| Porch Area | 66 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 638400 |
|---|---|
| Street Address | 288 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 |
288 S Broad St is owned and occupied by an individual who bought it in May 2026.
Source: Stephens County records, as of October 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 288 S BROAD ST, TOCCOA, GA 30577-2677 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| May 28, 2026 | Warranty Deed, Transfer · FHA Mortgage UNITED COMMUNITY BANK |
| Sep 15, 2026 | Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK |
| Apr 27, 2023 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE |
| Apr 6, 2023 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 28, 2026 · Amount on File |
| Deed Sale | May 28, 2026 · Amount on File |
| Prior Sale | May 18, 2023 · Amount on File |
| Deed Document Number | 20261577 |
| Deed Book / Page | 1451 / 485 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | May 28, 2026 |
| Property Address | 288 S BROAD ST, TOCCOA, GA 30577-2677 |
| Document Number | 0000001577 |
| Book / Page | 1451 / 485 |
| Instrument Date | May 28, 2026 |
| Instrument | 20261577 |
| Transaction Type | Transfer |
| Record Updated | Sep 8, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 288 S BROAD ST, TOCCOA, GA 30577-2677 |
| Document Number | 1451000487, |
|---|---|
| Date | May 28, 2026 |
| Book Page | 1451/487 |
| Name | UNITED COMMUNITY BANK |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Sep 15, 2026 |
| Property Address | 288 S BROAD ST, TOCCOA, GA 30577-2677 |
| Document Number | 1465000322 |
| Book / Page | 1465 / 322 |
| Instrument Date | May 28, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2026 |
| Name | Verified Name |
|---|
| Document Number | 1465000322, |
|---|---|
| Date | Sep 15, 2026 |
| Book Page | 1465/322 |
| Name | UNITED COMMUNITY BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Apr 27, 2023 |
| Property Address | 288 S BROAD ST, TOCCOA, GA 30577-2677 |
| Document Number | 0013300443 |
| Book / Page | 1330 / 443 |
| Instrument Date | Apr 27, 2023 |
| Instrument | 2023-000503 |
| Transaction Type | Transfer |
| Record Updated | Jul 14, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3665 CHESTNUT DR, ATLANTA, GA 30340-2000 |
| Document Number | 2023000674 |
|---|---|
| Date | Apr 27, 2023 |
| Instrument | 2023000674 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 357 Months |
| Due | Jan 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Apr 6, 2023 |
| Property Address | 288 S BROAD ST, TOCCOA, GA 30577-2677 |
| Document Number | 0013280458 |
| Book / Page | 1328 / 458 |
| Instrument Date | Apr 6, 2023 |
| Instrument | 2023-000469 |
| Transaction Type | Transfer |
| Record Updated | May 26, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 115 E MAIN ST # AB1, AB1, BUFORD, GA 30518-5727 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 288 S Broad St was $1,016.
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 | $1,016.00 Homeowner's exemption | $37,025 Land $704 Building $36,321 | $92,562 Land $1,760 Building $90,802 |
| 2023 | $811.00 (+38.4%) | $22,956 (+38.47%) Land $1,776 Building $21,180 | $57,392 (+38.47%) Land $4,441 Building $52,951 |
| 2022 | $586.00 | $16,578 Land $1,776 Building $14,802 | $41,447 Land $4,441 Building $37,006 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 288 S Broad St in Zone X, an area of minimal flood risk.
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 risk around 288 S Broad St is low, with a 0.02% annual chance of 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.
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 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 |
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