36 Oak Cliff Dr, Toccoa, GA 30577 Property Records

Stephens County property record for 36 Oak Cliff Dr, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,166 sqft · built 1982
Lot Size	0.83 acres (36,155 sqft)
Owner	Individual Name on File
Last Sale	$130,000 (Dec 2015)
Tax Bill	$2,667 (2025)
Deeds & Mortgages	Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T07 016`

Property Details

APN / Parcel Number

Primary APN	`T07 016`
Alternative APN	`498450`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,166 sqft Heated Area
Basement Area	1,950 sqft
Finished Basement	520 sqft
Unfinished Basement	1,430 sqft
Flooring	Hardwood
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	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	36,155 sqft (0.83 acres)
Terrain	Gentle Slope
Garage Area	550 sqft

Exterior Amenities

Porch	Slab
Porch Area	280 sqft
Deck Area	184 sqft
Patio Area	184 sqft
Utility Building	84 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	498450
Street Address	36 OAK CLIFF DR
City	TOCCOA
State	GA
Zip	30577-8310
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-IA
Legal Description	LOT 70 & PT LOT 69 GREEN ACRES S/D
Legal Subdivision	GREEN ACRES
Legal Lot Number	70,69
Jurisdiction	STEPHENS GA
Township / Civil Division	TOCCOA
Census Block Group	2
Census Block	2029
Census Tract	970101

Owner

36 Oak Cliff Dr is owned and occupied by an individual who bought it in December 2015.

Source: Stephens County records, as of March 12, 2026

Owner of Record	Individual Name on File
Mailing Address	36 OAK CLIFF DR, TOCCOA, GA 30577-8310
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	Name on Deed
Last Sale	Dec 22, 2015 · Amount on File
Deed Sale	Dec 22, 2015 · Amount on File
Prior Sale	Jun 26, 2012 · Amount on File
Deed Document Number	20151247
Deed Book / Page	1080 / 326
Prior Transfer Date	Oct 31, 2006
Prior Transfer Doc	0007850102
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	36 OAK CLIFF DR, TOCCOA, GA 30577-8310
Document Number	0012190161
Instrument Date	Jul 27, 2020
Transaction Type	Mortgage
Record Updated	Aug 27, 2020
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	36 OAK CLIFF DR TOCCOA GA 305778310, TOCCOA, GA 30577-8310

Mortgage

Document Number	0012190161
Date	Aug 11, 2020
Book Page	001219/000161

Lender

Name	NATIONS LNDG
Address	INDEPENDENCE, OH 44131

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 10, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 36 Oak Cliff Dr was $2,667 with a homeowner's exemption.

Source: Stephens County assessment roll, as of March 12, 2026

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	$2,667.00 Homeowner's exemption	$91,425 Land $1,959 Building $89,466	$228,561 Land $4,897 Building $223,664
2023	$2,083.00 (+4.83%)	$58,895 (+4.83%) Land $1,959 Building $56,936	$147,238 (+4.83%) Land $4,897 Building $142,341
2022	$1,987.00	$56,183 Land $1,959 Building $54,224	$140,457 Land $4,897 Building $135,560

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.

Flood

FEMA maps place 36 Oak Cliff Dr 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	6 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 36 Oak Cliff Dr is moderate, ranking above 47% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 47% of the US · above 53% of Georgia
Wildfire Likelihood	0.09% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 69 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TruVista Communications Fiber · Cable in parts of the area	5,000 / 5,000
Point Broadband Fiber	1,000 / 1,000
Windstream DSL · Fiber in parts of the area	300 / 20