309 W Franklin St, Toccoa, GA 30577 Property Records

Stephens County property record for 309 W Franklin St, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,075 sqft · built 1985
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$162,000 (May 2021)
Tax Bill	$2,119 (2025)
Deeds & Mortgages	Jun 2021 Mortgage May 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T11 154`

Property Details

APN / Parcel Number

Primary APN	`T11 154`
Alternative APN	`585750`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,075 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 2000
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Raised
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Terrain	Gentle Slope
Garage Type	Carport
Garage Area	240 sqft
Carport	Carport
Carport Area	240 sqft

Exterior Amenities

Porch	Slab
Porch Area	68 sqft
Deck Area	120 sqft
Utility Building	108 sqft

Utilities, Heating & Cooling

Cooling System	Other
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	585750
Street Address	309 W FRANKLIN ST
City	TOCCOA
State	GA
Zip	30577-2639
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-II
Legal Description	PT LOT 2 BLK 7 MORENO S/D
Legal Subdivision	MORENO
Legal Block	7
Legal Lot Number	2
Jurisdiction	STEPHENS GA
Township / Civil Division	TOCCOA
Census Block Group	1
Census Block	1022
Census Tract	970301

Owner

309 W Franklin St is owned and occupied by an individual who bought it in May 2021.

Source: Stephens County records, as of October 9, 2026

Owner of Record	Individual Name on File
Mailing Address	309 W FRANKLIN ST, TOCCOA, GA 30577-2639
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED STATES OF AMERICA
May 14, 2021	Warranty Deed, Transfer
Jan 31, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 14, 2021 · Amount on File
Deed Sale	May 14, 2021 · Amount on File
Prior Sale	Jan 28, 2020 · Amount on File
Deed Document Number	2021880
Deed Book / Page	1256 / 74
Transfer Doc	0008820446
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	309 W FRANKLIN ST, TOCCOA, GA 30577-2639
Transaction Type	Mortgage
Record Updated	Jan 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 W FRANKLIN ST, TOCCOA, GA 30577-2639

Mortgage

Document Number	0012560000000075
Date	Jun 21, 2021
Book Page	0000001256/0000000075

Lender

Name	UNITED STATES OF AMERICA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	456 Months
Due	Jan 1, 2059

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	May 14, 2021
Property Address	309 W FRANKLIN ST, TOCCOA, GA 30577-2639
Document Number	0012560074
Book / Page	1256 / 74
Instrument Date	May 14, 2021
Instrument	2021-000880
Transaction Type	Transfer
Record Updated	Jul 12, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 W FRANKLIN ST, TOCCOA, GA 30577-2639

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STEPHENS GA
Recording Date	Jan 31, 2020
Property Address	309 W FRANKLIN ST, TOCCOA, GA 30577-2639
Document Number	0012000463
Book / Page	001200 / 000463
Instrument Date	Jan 28, 2020
Transaction Type	Transfer
Record Updated	Feb 18, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$61.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 W FRANKLIN ST TOCCOA GA 305772639, TOCCOA, GA 30577-2639

Tax Assessment & Valuation

The 2025 property tax bill for 309 W Franklin St was $2,119.

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	$2,119.00	$60,736 Land $1,200 Building $59,536	$151,841 Land $3,000 Building $148,841
2023	$1,296.00 (+6.49%)	$36,664 (+6.54%) Land $1,200 Building $35,464	$91,660 (+6.55%) Land $3,000 Building $88,660
2022	$1,217.00	$34,412 Land $1,200 Building $33,212	$86,029 Land $3,000 Building $83,029

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.

Flood

FEMA maps place 309 W Franklin 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

Wildfire risk around 309 W Franklin St is low, with a 0.03% 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	0.03% annual chance
Exposure	Direct burnable vegetation

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 186 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TruVista Communications Cable · Fiber in parts of the area	500 / 50
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Windstream.

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