Stephens County property record for 313 Wards Cir, Toccoa, GA 30577 · Last verified March 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,488 sqft · built 1979 |
| Lot Size | 1.73 acres (75,359 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $184,000 (Apr 2019) |
| Tax Bill | $2,286 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage May 2019 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 021 038A |
| Primary APN | 021 038A |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,488 sqft Heated Area |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 75,359 sqft (1.73 acres) |
| Terrain | Gentle Slope |
| Pool Area | 648 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 1,080 sqft |
| Canopy | 440 sqft |
| Utility Building | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 990963 |
|---|---|
| Street Address | 313 WARDS CIR |
| City | TOCCOA |
| State | GA |
| Zip | 30577-8564 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TRACT 1 WARDS CIR |
| Legal Tract | 1 |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | MARTIN-AVALON |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 970401 |
Source: Stephens County records · APN 021 038A
Assessment roll updated July 1, 2025 · Last verified March 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 File |
|---|---|
| Mailing Address | 313 WARDS CIR, TOCCOA, GA 30577-8564 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 13, 2020 | Deed of Trust, Mortgage WELLS FARGO BK |
| May 21, 2019 | Grant Deed, Transfer · Conventional Mortgage HOMESTAR FIN'L |
| Feb 27, 2018 | Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR |
| Jan 25, 2018 | Deed of Trust, Mortgage · Conventional Mortgage BRANCH BK&TR |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 24, 2019 · Amount on Record |
| Deed Sale | Apr 24, 2019 · Amount on Record |
| Deed Document Number | 0001178448 |
| Deed Book / Page | 1178 / 448 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 313 WARDS CIR, TOCCOA, GA 30577-8564 |
| Document Number | 0012350324 |
| Instrument Date | Nov 13, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 01, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 313 WARDS CIR TOCCOA GA 305778564, TOCCOA, GA 30577-8564 |
| Document Number | 0012350324 |
|---|---|
| Date | Jan 06, 2021 |
| Book Page | 001235/000324 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Jan 05, 2036 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | May 21, 2019 |
| Property Address | 313 WARDS CIR, TOCCOA, GA 30577-8564 |
| Document Number | 0011780448 |
| Book / Page | 001178 / 000448 |
| Instrument Date | Apr 24, 2019 |
| Transaction Type | Transfer |
| Record Updated | Jun 21, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $184.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 313 WARDS CIR TOCCOA GA 305778564, TOCCOA, GA 30577-8564 |
| Document Number | 11780450 |
|---|---|
| Date | May 21, 2019 |
| Book Page | 001178/000450 |
| Name | HOMESTAR FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | GAINESVILLE, GA 30501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 20, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 313 WARDS CIR, TOCCOA, GA 30577-8564 |
| Document Number | 0011440288 |
| Instrument Date | Feb 27, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2018 |
| Name | Verified Name |
|---|---|
| Address | 313 WARDS CIR TOCCOA GA 305778564, TOCCOA, GA 30577-8564 |
| Document Number | 0011440288 |
|---|---|
| Date | Mar 14, 2018 |
| Book Page | 001144/000288 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Mar 13, 2043 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 313 WARDS CIR, TOCCOA, GA 30577-8564 |
| Document Number | 0011420016 |
| Instrument Date | Jan 25, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 02, 2018 |
| Title Company | DATA SEARCH INC |
| Name | Verified Name |
|---|---|
| Address | 313 WARDS CIR TOCCOA GA 305778564, TOCCOA, GA 30577-8564 |
| Document Number | 0011420016 |
|---|---|
| Date | Feb 07, 2018 |
| Book Page | 001142/000016 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Feb 06, 2043 |
Source: Stephens County records · Assessment roll updated July 1, 2025 · Last verified March 2026
| Type | Name |
|---|---|
| State | Georgia |
| County | Stephens County |
| Unified School District | Stephens County School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,286.00 (+24.24%) Homeowner's exemption | $102,751 (+60.98%) Land $3,927 Building $98,824 | $256,877 (+60.98%) Land $9,817 Building $247,060 |
| 2023 | $1,840.00 (+2.62%) Homeowner's exemption | $63,829 (+5.93%) Land $3,927 Building $59,902 | $159,573 (+5.93%) Land $9,817 Building $149,756 |
| 2022 | $1,793.00 Homeowner's exemption | $60,257 Land $3,927 Building $56,330 | $150,643 Land $9,817 Building $140,826 |
Source: FEMA National Flood Hazard Layer, Stephens County (13257C), updated September 26, 2008 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Wildfire Risk | Moderate above 53% of the US · above 75% of Georgia |
|---|---|
| Wildfire Likelihood | About 1 in 735 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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