325 Bowers Rd, Toccoa, GA 30577 Property Records

Stephens County property record for 325 Bowers Rd, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,554 sqft · built 1982
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on File
Last Sale	$305,000 (Oct 2025)
Tax Bill	$1,213 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`060 087`

Property Details

APN / Parcel Number

Primary APN	`060 087`
Alternative APN	`223100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,554 sqft Heated Area
Attic Area	414 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1983
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)
Terrain	Gentle Slope
Garage Type	Carport
Carport	Carport
Carport Area	468 sqft

Exterior Amenities

Porch	Porch
Porch Area	130 sqft
Patio Area	296 sqft
Utility Building	132 sqft

Location & Zoning

Account Number	223100
Street Address	325 BOWERS RD
City	TOCCOA
State	GA
Zip	30577-8244
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	BOWERS RD
Legal Subdivision	BOYD BROOME
Jurisdiction	STEPHENS GA
Township / Civil Division	MARTIN-AVALON
Census Block Group	1
Census Block	1025
Census Tract	970402

Owner

325 Bowers Rd is owned and occupied by an individual who bought it in October 2025.

Source: Stephens County records, as of March 11, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	325 BOWERS RD, TOCCOA, GA 30577-8244
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 21, 2025 · Amount on File
Deed Sale	Oct 21, 2025 · Amount on File
Prior Sale	Mar 25, 2025 · Amount on File
Deed Document Number	D2025003308
Deed Book / Page	1427 / 135
Record Updated	Jun 8, 2026

October 2025: Limited Warranty Deed, Subdivision Related Transfer

Document Type	Limited Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Oct 21, 2025
Property Address	325 BOWERS RD, TOCCOA, GA 30577-8244
Document Number	0014270135
Book / Page	1427 / 135
Instrument Date	Oct 17, 2025
Instrument	D2025003308
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 12, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3.05
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	325 BOWERS RD, TOCCOA, GA 30577-8244

Mortgage

Document Number	2025003309
Date	Oct 21, 2025
Instrument	2025003309

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	351 Months
Due	Jan 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 325 Bowers Rd was $1,213 with a homeowner's exemption, up 12.8% from the year before.

Source: Stephens County assessment roll, as of July 1, 2025

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	$1,213.00 (+12.84%) Homeowner's exemption	$55,368 (+48.34%) Land $4,025 Building $51,343	$138,420 (+48.34%) Land $10,063 Building $128,357
2024	$1,075.00 (+10.03%) Homeowner's exemption	$37,326 (+7.11%) Land $4,025 Building $33,301	$93,315 (+7.11%) Land $10,063 Building $83,252
2023	$977.00 (-0.71%) Homeowner's exemption	$34,848 (+5.38%) Land $4,025 Building $30,823	$87,120 (+5.38%) Land $10,063 Building $77,057
2022	$984.00 Homeowner's exemption	$33,070 Land $4,025 Building $29,045	$82,675 Land $10,063 Building $72,612

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 325 Bowers Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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 325 Bowers Rd is moderate, ranking above 45% 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 45% of the US · above 45% 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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	25 / 3

May also be available: AT&T, HTC, Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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