36 Highland Ave, Toccoa, GA 30577 Property Records

Stephens County property record for 36 Highland Ave, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,078 sqft · built 1910
Lot Size	0.51 acres (22,216 sqft)
Owner	Individual Name on Record
Last Sale	$240,000 (Sep 2023)
Tax Bill	$1,805 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Sep 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T27 009`

Property Details

APN / Parcel Number

Primary APN	`T27 009`
Alternative APN	`597550`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,078 sqft Heated Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 2010
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Raised
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	22,216 sqft (0.51 acres)
Terrain	Gentle Slope

Exterior Amenities

Pool Area	450 sqft
Porch	Porch
Porch Area	870 sqft
Deck Area	144 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	597550
Street Address	36 HIGHLAND AVE
City	TOCCOA
State	GA
Zip	30577-2254
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-III
Legal Description	PT LOTS 1,LOTS 2 & 3 EAST & WEST BLK D MCAVOY
Legal Subdivision	MCAVOY
Legal Block	D
Legal Lot Number	2,3,1 3
Jurisdiction	STEPHENS GA
Township / Civil Division	TOCCOA
Census Block Group	4
Census Block	4015
Census Tract	970301

Owner

Source: Stephens County records, as of March 11, 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 Record
Co-owner	Co-owner on Record
Mailing Address	36 HIGHLAND AVE, TOCCOA, GA 30577-2254
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 29, 2023	Deed of Trust, Mortgage · Conventional Mortgage PINNACLE BANK
Sep 12, 2023	Warranty Deed, Transfer · Conventional Mortgage RABUN COUNTY BANK
Jul 6, 2023	Warranty Deed, Transfer · Commercial Mortgage PINNACLE BANK
Mar 25, 2020	Grant Deed, Transfer JENNIFER F HOWELL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2023 · Amount on Record
Deed Sale	Sep 12, 2023 · Amount on Record
Prior Sale	Jul 6, 2023 · Amount on Record
Deed Document Number	0001342277
Deed Book / Page	1342 / 277
Record Updated	Jun 8, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	36 HIGHLAND AVE, TOCCOA, GA 30577-2254
Transaction Type	Mortgage
Record Updated	Oct 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	36 HIGHLAND AVE, TOCCOA, GA 30577-2254

Mortgage

Document Number	0013410000000188
Date	Aug 29, 2023
Book Page	0000001341/0000000188

Lender

Name	PINNACLE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jan 1, 2024

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Sep 12, 2023
Property Address	36 HIGHLAND AVE, TOCCOA, GA 30577-2254
Document Number	0013420277
Book / Page	1342 / 277
Instrument Date	Sep 11, 2023
Transaction Type	Transfer
Record Updated	Oct 13, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	36 HIGHLAND AVE, TOCCOA, GA 30577-2254

Mortgage

Document Number	0001342279
Date	Sep 12, 2023
Instrument	1342/279

Lender

Name	RABUN COUNTY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	352 Months
Due	Jan 1, 2053

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Jul 6, 2023
Property Address	36 HIGHLAND AVE, TOCCOA, GA 30577-2254
Document Number	0013350298
Book / Page	1335 / 298
Instrument Date	Jul 5, 2023
Instrument	2023-000780
Transaction Type	Transfer
Record Updated	Aug 14, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1.14
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	356 GRAND AVE, CORNELIA, GA 30531-3708

Mortgage

Document Number	0013350000000300
Date	Jul 6, 2023
Book Page	0000001335/0000000300

Lender

Name	PINNACLE BANK

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jan 1, 2024

March 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STEPHENS GA
Recording Date	Mar 25, 2020
Property Address	36 HIGHLAND AVE, TOCCOA, GA 30577-2254
Document Number	0012060001
Book / Page	001206 / 000001
Instrument Date	Mar 24, 2020
Transaction Type	Transfer
Record Updated	May 6, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$60.00
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	36 HIGHLAND AVE TOCCOA GA 305772254, TOCCOA, GA 30577-2254

Mortgage

Document Number	12060003
Date	Mar 25, 2020
Book Page	001206/000003

Lender

Name	JENNIFER F HOWELL
Address	870 BEAVER DAM RD, TOCCOA, GA 30577-7029
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Mar 24, 2035

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Georgia
County	Stephens County
Municipality	Toccoa City
Unified School District	Stephens County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,805.00 (+89.4%) Homeowner's exemption	$61,285 (+127.34%) Land $6,659 Building $54,626	$153,214 (+127.34%) Land $16,648 Building $136,566
2023	$953.00 (+41.6%) Homeowner's exemption	$26,957 (+41.54%) Land $6,659 Building $20,298	$67,393 (+41.54%) Land $16,648 Building $50,745
2022	$673.00 Homeowner's exemption	$19,045 Land $5,327 Building $13,718	$47,614 Land $13,318 Building $34,296

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

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
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

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	Low lower than 80% of the US · lower than 94% of Georgia
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOCCOA serves 28,711 people · EPA ID GA2570001
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2020–2022) action level 15 ppb

Violations Reported to EPA

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, 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 225 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
TruVista Communications Cable	500 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Point Broadband.

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