Stephens County property record for 321 Owl Swamp Rd, Toccoa, GA 30577
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,489 sqft · built 1987 |
| Lot Size | 8.97 acres (390,733 sqft) |
| Owner | Individual Name on File |
| Last Sale | $86,500 (Oct 1997) |
| Tax Bill | $1,528 (2025) |
| Deeds & Mortgages | Feb 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 040 058 |
| Primary APN | 040 058 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,489 sqft Heated Area |
| Attic Area | 1,064 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1987 |
|---|---|
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 390,733 sqft (8.97 acres) |
| Terrain | Gentle Slope |
| Porch | Porch |
|---|---|
| Porch Area | 230 sqft |
| Deck Area | 155 sqft |
| Patio Area | 155 sqft |
| Lean-To | 182 sqft |
| Utility Building | 540 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Account Number | 377600 |
|---|---|
| Street Address | 321 OWL SWAMP RD |
| City | TOCCOA |
| State | GA |
| Zip | 30577-8407 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS |
| Legal Description | LAKE LOUISE RD LT 14 |
| Legal Lot Number | 14 |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | TOCCOA |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 970102 |
321 Owl Swamp Rd is owned and occupied by an individual who bought it in October 1997.
Source: Stephens County records, as of March 11, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 321 OWL SWAMP RD, TOCCOA, GA 30577-8407 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 1, 1997 · Amount on File |
| Deed Sale | Oct 1, 1997 · Amount on File |
| Deed Document Number | 0000003831 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 321 OWL SWAMP RD, TOCCOA, GA 30577-8407 |
| Document Number | 0012050189 |
| Instrument Date | Feb 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Apr 27, 2020 |
| Title Company | TIMIOS INC |
| Name | Verified Name |
|---|---|
| Address | 321 OWL SWAMP RD TOCCOA GA 305778407, TOCCOA, GA 30577-8407 |
| Document Number | 0012050189 |
|---|---|
| Date | Mar 19, 2020 |
| Book Page | 001205/000189 |
| Name | MUTUAL/OMAHA MTG LLC |
|---|---|
| Address | LOMBARD, IL 60148 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Mar 18, 2035 |
The 2025 property tax bill for 321 Owl Swamp Rd was $1,528 with a homeowner's exemption.
Source: Stephens County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Georgia |
| County | Stephens County |
| Unified School District | Stephens County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,528.00 Homeowner's exemption | $68,568 Land $8,922 Building $59,646 | $171,418 Land $22,304 Building $149,114 |
| 2023 | $1,257.00 (+0.32%) Homeowner's exemption | $44,249 (+5.1%) Land $8,922 Building $35,327 | $110,622 (+5.1%) Land $22,304 Building $88,318 |
| 2022 | $1,253.00 Homeowner's exemption | $42,101 Land $8,922 Building $33,179 | $105,251 Land $22,304 Building $82,947 |
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.
FEMA maps place 321 Owl Swamp 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 risk around 321 Owl Swamp 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.
Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream DSL | 300 / 20 |
| Starlink Satellite | 280 / 30 |
May also be available: T-Mobile.
5G (outdoors only) and 4G LTE
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