327 Cliffs Ridge Dr, Toccoa, GA 30577 Property Records

Stephens County property record for 327 Cliffs Ridge Dr, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,400 sqft · built 2005
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on File
Tax Bill	$2,023 (2025)
Deeds & Mortgages	Jun 2018 Mortgage Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`039B 084`

Property Details

APN / Parcel Number

Primary APN	`039B 084`
Alternative APN	`374752`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,400 sqft Heated Area
Attic Area	1,120 sqft
Basement Area	1,120 sqft
Unfinished Basement	1,120 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2006
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Lot Dimensions	100 ft deep x 60 ft wide

Exterior Amenities

Porch	Porch
Porch Area	36 sqft
Deck Area	224 sqft
Patio Area	224 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	374752
Street Address	327 CLIFFS RIDGE DR
City	TOCCOA
State	GA
Zip	30577-3606
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT19 UT1 SEC1 EAST HIGHLANDS OF LAKE HARTWEL
Legal Subdivision	EAST HIGHLANDS OF LAKE HARTWELL
Legal Block	UT1
Legal Lot Number	19
Legal Unit	1
Jurisdiction	STEPHENS GA
Township / Civil Division	TOCCOA
Census Block Group	1
Census Block	1030
Census Tract	970102

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	468 CLIFFS RIDGE DR, TOCCOA, GA 30577-3611
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2018	Deed of Trust, Mortgage · Conventional Mortgage NORTHEAST GEORGIA BANK
Mar 4, 2020	Grant Deed, Transfer MAGNOLIA BK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Prior Sale	Feb 24, 2017
Last Transfer Date	Mar 4, 2020
Transfer Doc	0012030485
Record Updated	Jun 8, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	327 CLIFFS RIDGE DR, TOCCOA, GA 30577-3606
Transaction Type	Mortgage
Record Updated	May 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011530180
Date	Jun 22, 2018
Book Page	1153/180

Lender

Name	NORTHEAST GEORGIA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2033

March 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STEPHENS GA
Recording Date	Mar 4, 2020
Property Address	327 CLIFFS RIDGE DR, TOCCOA, GA 30577-3606
Document Number	0012030485
Book / Page	001203 / 000485
Instrument Date	Mar 4, 2020
Transaction Type	Transfer
Record Updated	Mar 19, 2020
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	327 CLIFFS RIDGE DR TOCCOA GA 305773606, TOCCOA, GA 30577-3606

Mortgage

Document Number	12030487
Date	Mar 4, 2020
Book Page	001203/000487

Lender

Name	MAGNOLIA BK
Type	Bank
Address	CAMPBELLSVILLE, KY 42718

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 3, 2050

Tax Assessment & Valuation

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	$2,023.00 (+45.64%)	$73,730 (+57.92%) Land $3,002 Building $70,728	$184,327 (+57.92%) Land $7,506 Building $176,821
2023	$1,389.00	$46,687 Land $3,002 Building $43,685	$116,719 Land $7,506 Building $109,213

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 52% of the US · above 71% of Georgia
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

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)
TruVista Communications Fiber	5,000 / 5,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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