Stephens County property record for 348 Grove St, Toccoa, GA 30577
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,100 sqft · built 1968 |
| Lot Size | 0.43 acres (18,731 sqft) |
| Owner | Individual Name on File |
| Last Sale | $93,100 (Jan 2020) |
| Tax Bill | $831 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Dec 2021 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T21 086 |
| Primary APN | T21 086 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,100 sqft Heated Area |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 2008 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | No Foundation |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 18,731 sqft (0.43 acres) |
| Terrain | Gentle Slope |
| Garage Type | Mixed |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 252 sqft |
| Utility Building | 66 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 653750 |
|---|---|
| Street Address | 348 GROVE ST |
| City | TOCCOA |
| State | GA |
| Zip | 30577-5816 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-II |
| Legal Description | LOTS 1 & 2 G K LOTHRIDGE S/D |
| Legal Subdivision | G K LOTHRIDGE S/D |
| Legal Lot Number | 1,2 |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | TOCCOA |
| Census Block Group | 4 |
| Census Block | 4062 |
| Census Tract | 970301 |
Source: Stephens County records · APN T21 086
Assessment roll updated March 12, 2026 · Last verified April 2026
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 | 348 GROVE ST, TOCCOA, GA 30577-5816 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE FINANCIAL GROUP |
| Dec 17, 2021 | Warranty Deed, Transfer |
| Jan 07, 2020 | Grant Deed, Transfer PRIMARY RESID'L MTG |
| Oct 31, 2018 | Grant Deed, Transfer · FHA Mortgage SOUTHERN SEC MTG |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 02, 2020 · Amount on Record |
| Deed Sale | Jan 02, 2020 · Amount on Record |
| Prior Sale | Oct 30, 2018 · Amount on Record |
| Deed Document Number | 202021 |
| Deed Book / Page | 1198 / 424 |
| Last Transfer Date | Dec 17, 2021 |
| Transfer Doc | 0012800169 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 348 GROVE ST, TOCCOA, GA 30577-5816 |
| Transaction Type | Mortgage |
| Record Updated | Mar 01, 2024 |
| Name | Verified Name |
|---|---|
| Address | 348 GROVE ST, TOCCOA, GA 30577-5816 |
| Document Number | 0012800000000152 |
|---|---|
| Date | Dec 27, 2021 |
| Book Page | 0000001280/0000000152 |
| Name | MORTGAGE FINANCIAL GROUP |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Dec 17, 2021 |
| Property Address | 348 GROVE ST, TOCCOA, GA 30577-5816 |
| Document Number | 0012800169 |
| Book / Page | 1280 / 169 |
| Instrument Date | Dec 17, 2021 |
| Instrument | 2021-001805 |
| Transaction Type | Transfer |
| Record Updated | Jan 07, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 348 GROVE ST, TOCCOA, GA 30577-5816 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Jan 07, 2020 |
| Property Address | 348 GROVE ST, TOCCOA, GA 30577-5816 |
| Document Number | 0011980424 |
| Book / Page | 001198 / 000424 |
| Instrument Date | Jan 02, 2020 |
| Transaction Type | Transfer |
| Record Updated | Jan 24, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $93.10 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 348 GROVE ST TOCCOA GA 305775816, TOCCOA, GA 30577-5816 |
| Document Number | 11980426 |
|---|---|
| Date | Jan 07, 2020 |
| Book Page | 001198/000426 |
| Name | PRIMARY RESID'L MTG |
|---|---|
| Type | Mortgage Company |
| Address | SALT LAKE CITY, UT 84116 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jan 06, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Oct 31, 2018 |
| Property Address | 348 GROVE ST, TOCCOA, GA 30577-5816 |
| Document Number | 0011630355 |
| Book / Page | 001163 / 000355 |
| Instrument Date | Oct 30, 2018 |
| Transaction Type | Transfer |
| Record Updated | Nov 22, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $50.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 348 GROVE ST TOCCOA GA 305775816, TOCCOA, GA 30577-5816 |
| Document Number | 11630357 |
|---|---|
| Date | Oct 31, 2018 |
| Book Page | 001163/000357 |
| Name | SOUTHERN SEC MTG |
|---|---|
| Type | Mortgage Company |
| Address | MURRAY, UT 84123 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 30, 2048 |
Source: Stephens County records · Assessment roll updated March 12, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Georgia |
| County | Stephens County |
| Municipality | Toccoa City |
| 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 | $831.00 (+151.82%) Homeowner's exemption Senior Citizen's exemption | $64,167 (+65.8%) Land $1,683 Building $62,484 | $160,419 (+65.8%) Land $4,208 Building $156,211 |
| 2023 | $330.00 (-74.28%) Homeowner's exemption | $38,702 (+6.66%) Land $1,683 Building $37,019 | $96,756 (+6.66%) Land $4,208 Building $92,548 |
| 2022 | $1,283.00 Homeowner's exemption | $36,287 Land $1,683 Building $34,604 | $90,717 Land $4,208 Building $86,509 |
Source: FEMA National Flood Hazard Layer, Stephens County (13257C), as of September 26, 2008 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 132579703014, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 1 (2009) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2009 · Severe Storms And Flooding |
| Wildfire Risk | Low lower than 65% of the US · lower than 88% of Georgia |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Uniti Group Fiber · DSL in parts of the area | 2,000 / 2,000 |
| TruVista Communications Cable · Fiber in parts of the area | 500 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 148 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system GA2570001, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOCCOA serves 28,711 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2025 |
| Lead | Under 1 ppb (2020–2022) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Oct 2024 Haloacetic acids resolved · Apr 2024 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ. The full violation and enforcement history is in the system's EPA record.
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