37 Ayers Creek Dr, Toccoa, GA 30577 Property Records

Stephens County property record for 37 Ayers Creek Dr, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,929 sqft · built 1970
Lot Size	1.93 acres (84,071 sqft)
Owner	Individual Name on Record
Last Sale	$236,000 (Mar 2019)
Tax Bill	$4,395 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`042E 001`

Property Details

APN / Parcel Number

Primary APN	`042E 001`
Alternative APN	`463800`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,929 sqft Heated Area
Basement Area	970 sqft
Unfinished Basement	970 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 2005
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	84,071 sqft (1.93 acres)
Terrain	Gentle Slope
Garage Area	462 sqft

Exterior Amenities

Porch	Slab
Porch Area	60 sqft
Deck Area	470 sqft
Patio Area	470 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	463800
Street Address	37 AYERS CREEK DR
City	TOCCOA
State	GA
Zip	30577-7818
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	FERNSIDE DR LT 2
Legal Subdivision	FERNSIDE DR
Legal Lot Number	2
Jurisdiction	STEPHENS GA
Township / Civil Division	TOCCOA
Census Block Group	4
Census Block	4036
Census Tract	970102

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	37 AYERS CREEK DR, TOCCOA, GA 30577-7818
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage TITAN MUTUAL LENDING
Aug 12, 2020	Quit Claim Deed, Transfer UNITED CMNTY BK
Mar 14, 2019	Grant Deed, Transfer · Conventional with PMI UNITED CMNTY BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 8, 2019 · Amount on Record
Deed Sale	Mar 8, 2019 · Amount on Record
Prior Sale	Apr 24, 2018 · Amount on Record
Deed Document Number	2019261
Deed Book / Page	1173 / 87
Prior Transfer Date	Dec 15, 1990
Prior Transfer Doc	0239000208
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	37 AYERS CREEK DR, TOCCOA, GA 30577-7818
Transaction Type	Mortgage
Record Updated	Jan 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	37 AYERS CREEK DR, TOCCOA, GA 30577-7818

Mortgage

Document Number	0012770000000276
Date	Dec 6, 2021
Book Page	0000001277/0000000276

Lender

Name	TITAN MUTUAL LENDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STEPHENS GA
Recording Date	Aug 12, 2020
Property Address	37 AYERS CREEK DR, TOCCOA, GA 30577-7818
Document Number	0012190286
Book / Page	001219 / 000286
Instrument Date	Aug 7, 2020
Transaction Type	Transfer
Record Updated	Sep 3, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	37 AYERS CREEK DR TOCCOA GA 305777818, TOCCOA, GA 30577-7818

Mortgage

Document Number	12190288
Date	Aug 12, 2020
Book Page	001219/000288

Lender

Name	UNITED CMNTY BK
Type	Bank
Address	BLAIRSVILLE, GA 30514

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 11, 2050

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STEPHENS GA
Recording Date	Mar 14, 2019
Property Address	37 AYERS CREEK DR, TOCCOA, GA 30577-7818
Document Number	0011730087
Book / Page	001173 / 000087
Instrument Date	Mar 8, 2019
Transaction Type	Transfer
Record Updated	Apr 9, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$236.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	37 AYERS CREEK DR TOCCOA GA 305777818, TOCCOA, GA 30577-7818

Mortgage

Document Number	11730089
Date	Mar 14, 2019
Book Page	001173/000089

Lender

Name	UNITED CMNTY BK
Type	Bank
Address	BLAIRSVILLE, GA 30514

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 13, 2049

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	$4,395.00 (+50.98%)	$160,140 (+63.74%) Land $4,684 Building $155,456	$400,349 (+63.74%) Land $11,710 Building $388,639
2023	$2,911.00 (+6.36%)	$97,803 (+6.37%) Land $4,684 Building $93,119	$244,508 (+6.37%) Land $11,710 Building $232,798
2022	$2,737.00	$91,946 Land $4,684 Building $87,262	$229,864 Land $11,710 Building $218,154

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

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	3 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 45% of the US · above 47% of Georgia
Wildfire Likelihood	0.08% 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 81 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TruVista Communications Cable · Fiber in parts of the area	500 / 50
AT&T Fixed Wireless	100 / 20

May also be available: Point Broadband, Windstream.

Nearby Properties on Ayers Creek Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures