3608 Prather Bridge Rd, Toccoa, GA 30577 Property Records

Stephens County property record for 3608 Prather Bridge Rd, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,928 sqft · built 2019
Lot Size	21.4 acres (936,104 sqft)
Owner	Individual Name on Record
Last Sale	$173,000 (Jul 2003)
Tax Bill	$2,229 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Aug 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`039 028E`

Property Details

APN / Parcel Number

Primary APN	`039 028E`
Alternative APN	`990216`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,928 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	936,104 sqft (21.4 acres)
Garage Area	576 sqft

Exterior Amenities

Porch	Slab
Deck Area	32 sqft
Patio Area	20 sqft
Utility Building	360 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	990216
Street Address	3608 PRATHER BRIDGE RD
City	TOCCOA
State	GA
Zip	30577
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Description	TRACT 4 PRATHER BRIDGE RD
Legal Subdivision	0300 - PRIMARY - AC
Legal Tract	4
Jurisdiction	STEPHENS GA
Township / Civil Division	TOCCOA
Census Block Group	1
Census Block	1027
Census Tract	970102

Owner

Source: Stephens County records, as of September 14, 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
Mailing Address	120 WINDSOR DR, TOCCOA, GA 30577-8381
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2026	Deed of Trust, Mortgage UNION CREDIT UNION
Aug 25, 2025	Deed of Trust, Mortgage NORTH GEORGIA CREDIT UNION
Aug 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage PEACH ST FCU
Jul 15, 2019	Trustee's Deed, Construction Loan · Construction Mortgage PEACH ST FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 2003 · Amount on Record
Deed Sale	Jul 31, 2003 · Amount on Record
Deed Book / Page	361 / 265
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Recording Date	Aug 10, 2026
Property Address	3608 PRATHER BRIDGE RD, TOCCOA, GA 30577
Document Number	1461000062
Book / Page	1461 / 62
Instrument Date	Jul 28, 2026
Transaction Type	Mortgage
Record Updated	Sep 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3608 PRATHER BRIDGE RD, TOCCOA, GA 30577

Mortgage

Document Number	1461000062,
Date	Aug 10, 2026
Book Page	1461/62

Lender

Name	UNION CREDIT UNION

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2041

Interest

Max Rate	-1%

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	3608 PRATHER BRIDGE RD, TOCCOA, GA 30577
Transaction Type	Mortgage
Record Updated	Mar 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3608 PRATHER BRIDGE RD, TOCCOA, GA 30577

Mortgage

Document Number	0014190000000422
Date	Aug 25, 2025
Book Page	0000001419/0000000422
Instrument	D2025002628

Lender

Name	NORTH GEORGIA CREDIT UNION

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2040

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	3608 PRATHER BRIDGE RD, TOCCOA, GA 30577
Document Number	0012210089
Instrument Date	Aug 21, 2020
Transaction Type	Mortgage
Record Updated	Sep 17, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3608 PRATHER BRIDGE RD TOCCOA GA 30577, TOCCOA, GA 30577

Mortgage

Document Number	0012210089
Date	Aug 27, 2020
Book Page	001221/000089

Lender

Name	PEACH ST FCU
Type	Credit Union
Address	LAWRENCEVILLE, GA 30043

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 26, 2050

July 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	STEPHENS GA
Recording Date	Jul 15, 2019
Property Address	3608 PRATHER BRIDGE RD, TOCCOA, GA 30577
Document Number	0011830382
Book / Page	001183 / 000382
Instrument Date	Jul 12, 2019
Transaction Type	Construction Loan
Record Updated	Jul 26, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3542 PRATHER BRIDGE RD TOCCOA GA 30577, TOCCOA, GA 30577

Mortgage

Document Number	11830382
Date	Jul 15, 2019
Book Page	001183/000382

Lender

Name	PEACH ST FCU
Type	Credit Union
Address	COVINGTON, GA 30014

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 14, 2020

Tax Assessment & Valuation

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

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	$2,229.00 (+45.12%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$158,270 (+50.97%) Land $25,297 Building $132,973	$395,676 (+50.97%) Land $63,243 Building $332,433
2023	$1,536.00 (-47.95%) Homeowner's exemption	$104,838 (+5.75%) Land $25,297 Building $79,541	$262,096 (+5.75%) Land $63,243 Building $198,853
2022	$2,951.00 Homeowner's exemption	$99,141 Land $25,297 Building $73,844	$247,853 Land $63,243 Building $184,610

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
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 55% of the US · above 79% 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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TruVista Communications Fiber	5,000 / 5,000

May also be available: Windstream.

Cell Coverage

5G (outdoors only) and 4G LTE

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