312 Riverdale Rd, Toccoa, GA 30577 Property Records

Stephens County property record for 312 Riverdale Rd, Toccoa, GA 30577

Property Summary

Property Type	Seasonal / Vacation Home
Details	2 bd · 1 ba · 900 sqft · built 1997
Lot Size	0.35 acres (15,246 sqft)
Owner	Individual Name on File
Last Sale	$126,000 (Mar 2021)
Tax Bill	$1,748 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`039 036`

Property Details

APN / Parcel Number

Primary APN	`039 036`
Alternative APN	`468610`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	900 sqft Heated Area
Basement Area	900 sqft
Unfinished Basement	900 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2010
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,246 sqft (0.35 acres)

Exterior Amenities

Porch	Slab
Porch Area	60 sqft
Deck Area	96 sqft
Patio Area	96 sqft
Utility Building	128 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	468610
Street Address	312 RIVERDALE RD
City	TOCCOA
State	GA
Zip	30577-8383
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Local Zoning Code	RS
Legal Description	TRACT 3 OLD CHURCH RD
Legal Subdivision	0300 - PRIMARY - SF
Legal Tract	3
Jurisdiction	STEPHENS GA
Township / Civil Division	TOCCOA
Census Block Group	1
Census Block	1027
Census Tract	970102

Owner

312 Riverdale Rd, a residential property, is owned and occupied by an individual who bought it in March 2021.

Source: Stephens County records, as of March 12, 2026

Owner of Record	Individual Name on File
Mailing Address	312 RIVERDALE RD, TOCCOA, GA 30577-8383
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
Apr 12, 2021	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS
Aug 28, 2019	Grant Deed, Transfer · FHA Mortgage CROSSCOUNTRY MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 26, 2021 · Amount on File
Deed Sale	Mar 26, 2021 · Amount on File
Prior Sale	Aug 8, 2019 · Amount on File
Deed Document Number	2021484
Deed Book / Page	1247 / 237
Prior Transfer Date	Sep 22, 2005
Prior Transfer Doc	0007270210
Record Updated	Sep 20, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Apr 12, 2021
Property Address	312 RIVERDALE RD, TOCCOA, GA 30577-8383
Document Number	0012470237
Book / Page	001247 / 000237
Instrument Date	Mar 26, 2021
Transaction Type	Transfer
Record Updated	May 7, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$126.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 RIVERDALE RD TOCCOA GA 305778383, TOCCOA, GA 30577-8383

Mortgage

Document Number	12470238
Date	Apr 12, 2021
Book Page	001247/000238

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 11, 2051

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STEPHENS GA
Recording Date	Aug 28, 2019
Property Address	312 RIVERDALE RD, TOCCOA, GA 30577-8383
Document Number	0011870296
Book / Page	001187 / 000296
Instrument Date	Aug 8, 2019
Transaction Type	Transfer
Record Updated	Sep 9, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$99.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	312 RIVERDALE RD TOCCOA GA 305778383, TOCCOA, GA 30577-8383

Mortgage

Document Number	11870298
Date	Aug 28, 2019
Book Page	001187/000298

Lender

Name	CROSSCOUNTRY MTG
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 27, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 312 Riverdale Rd was $1,748.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,748.00	$63,693 Land $1,326 Building $62,367	$159,233 Land $3,316 Building $155,917
2023	$1,176.00	$39,518 Land $1,326 Building $38,192	$98,795 Land $3,316 Building $95,479

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 312 Riverdale Rd 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

Wildfire risk around 312 Riverdale Rd is moderate, ranking above 55% 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 55% of the US · above 79% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TruVista Communications Fiber	5,000 / 5,000
Windstream DSL	200 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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