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306 Prospect Rd, Toccoa, GA 30577 Property Records

Banks County property record for 306 Prospect Rd, Toccoa, GA 30577 · Last verified November 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms2 Beds
Bathrooms2 Baths
Year BuiltBuilt 2001
Square Footage1,820 sqft Heated Area
Lot Size1,361,686 sqft (31.2 acres)
OccupancyOwner Occupied
Last Sale$275,000 (2019)
Tax Bill$2,534.00 (2025)

Owner

Source: Banks County records · APN B71 055

Assessment roll updated July 1, 2025 · Last verified November 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address306 PROSPECT RD, TOCCOA, GA 30577-5251
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Sep 10, 2019Deed of Trust, Mortgage · Veterans Administration Mortgage
AMERIS BANK
Nov 24, 2020Deed of Trust, Mortgage · Veterans Administration Mortgage
PENNYMAC LOAN SERVICES
Aug 29, 2019Warranty Deed, Transfer

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleAug 29, 2019 · Amount on Record
Deed SaleAug 29, 2019 · Amount on Record
Deed Doc Number0000471182
Deed Book / Page471 / 182
Record RefreshedJun 08, 2026

September 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBANKS GA
Property Address306 PROSPECT RD, TOCCOA, GA 30577-5251
Transaction TypeMortgage
Record UpdatedJun 30, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address306 PROSPECT RD, TOCCOA, GA 30577-5251

Mortgage

Document Number0000000471/0000000183
DateSep 10, 2019
Book Page0000000471/0000000183
Lender
NameAMERIS BANK
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueJan 01, 2049

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBANKS GA
Property Address306 PROSPECT RD, TOCCOA, GA 30577-5251
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address306 PROSPECT RD, TOCCOA, GA 30577-5251

Mortgage

Document Number0000000492/0000000090
DateNov 24, 2020
Book Page0000000492/0000000090
Lender
NamePENNYMAC LOAN SERVICES
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueJan 01, 2050

August 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBANKS GA
Recording DateAug 29, 2019
Property Address306 PROSPECT RD, TOCCOA, GA 30577-5251
Document Number000471/182
Book / Page471 / 182
Instrument DateAug 29, 2019
Instrument2019-000691
Transaction TypeTransfer
Record UpdatedJan 31, 2022

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address306 PROSPECT RD, TOCCOA, GA 30577-5251

Tax Assessment & Valuation

Source: Banks County records · Assessment roll updated July 1, 2025 · Last verified November 2025

Property Jurisdictions

TypeName
StateGeorgia
CountyBanks County
Unified School DistrictBanks County School District (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$2,534.00 (-0.9%) Homeowner's exemption$183,734 (+4.74%) Land $59,356 Building $124,378$459,336 (+4.74%) Land $148,390 Building $310,946
2024$2,557.00 (+52.57%) Homeowner's exemption$175,418 (+29.38%) Land $55,892 Building $119,526$438,547 (+29.38%) Land $139,731 Building $298,816
2023$1,676.00 (-10.52%) Homeowner's exemption$135,582 (+16.75%) Land $44,528 Building $91,054$338,955 (+16.75%) Land $111,320 Building $227,635
2022$1,873.00 Homeowner's exemption$116,129 Land $35,781 Building $80,348$290,324 Land $89,453 Building $200,871

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Banks County (13011C), updated December 17, 2010 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskModerate
above 50% of the US · above 64% of Georgia
Wildfire LikelihoodAbout 1 in 943 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APNB71 055
Alternative APN
  • 793

Interior

Bedrooms2 Beds
Full Baths2 Baths
Building Area1,820 sqft Heated Area
1st Floor1,820 sqft 1st Floor
Stories1 Stories
Primary FlooringHardwood Flooring
Interior StructureCustom/Decorative Interior Structure
FireplaceFireplace
Fireplaces2 Fireplaces

Exterior

Year BuiltBuilt 1990
Effective Year BuiltEffective 2001
Exterior MaterialWood Exterior
Construction TypeFrame Construction
Foundation TypeFooting Foundation
Roof ConstructionGable Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area1,361,686 sqft (31.2 acres)

Exterior Amenities

Patio Area24 sqft Patio
PorchOpen Porch
Porch Area2,128 sqft Porch
Storage Building600 sqft Storage Building

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemHeat Pump Heating

Location & Zoning

Account Number793
Street Address306 PROSPECT RD
CityTOCCOA
StateGA
Zip30577-5251
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionBLDG/L PB13-204 P/O TRACT 4
Legal SubdivisionLAND SURVEYOR #2534
Legal Tract4
JurisdictionBANKS GA
Minor Civil DivisionBALDWIN
Census Blockgroup3
Census Block3052
Census Tract970100

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