Stephens County property record for 38 Apple Ridge Rd, Toccoa, GA 30577
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,336 sqft · built 2000 |
| Lot Size | 0.689 acres (30,056 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $165,000 (Jun 2021) |
| Tax Bill | $2,184 (2025) |
| Deeds & Mortgages | Jan 2024 Line of Credit Jun 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 042D 165 |
| Primary APN | 042D 165 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,336 sqft Heated Area |
| Attic Area | 891 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 30,056 sqft (0.689 acres) |
| Deck Area | 288 sqft |
| Patio Area | 288 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Electric |
| Account Number | 380294 |
|---|---|
| Old Parcel Number | 042D 165 |
| Street Address | 38 APPLE RIDGE RD |
| City | TOCCOA |
| State | GA |
| Zip | 30577-8863 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS |
| Legal Description | LOT 2 APPLE RIDGE S/D |
| Legal Subdivision | APPLE RIDGE |
| Legal Lot Number | 2 |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | ROCK CREEK |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 970202 |
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 |
|---|---|
| Mailing Address | 38 APPLE RIDGE RD, TOCCOA, GA 30577-8863 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 18, 2024 | Deed of Trust, Mortgage · Line of Credit NORTH GEORGIA CREDIT UNION |
| Jun 3, 2021 | Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 3, 2021 · Amount on Record |
| Deed Sale | Jun 3, 2021 · Amount on Record |
| Prior Sale | Apr 20, 2015 · Amount on Record |
| Deed Document Number | 0001254175 |
| Deed Book / Page | 1254 / 175 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 38 APPLE RIDGE RD, TOCCOA, GA 30577-8863 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2025 |
| Name | Verified Name |
|---|---|
| Address | 38 APPLE RIDGE RD, TOCCOA, GA 30577-8863 |
| Document Number | 0013540000000465 |
|---|---|
| Date | Jan 18, 2024 |
| Book Page | 0000001354/0000000465 |
| Instrument | D2024000100 |
| Name | NORTH GEORGIA CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 1, 2038 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Jun 3, 2021 |
| Property Address | 38 APPLE RIDGE RD, TOCCOA, GA 30577-8863 |
| Document Number | 0012540175 |
| Book / Page | 1254 / 175 |
| Instrument Date | Jun 3, 2021 |
| Instrument | 2021-000821 |
| Transaction Type | Transfer |
| Record Updated | Aug 4, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 38 APPLE RIDGE RD, TOCCOA, GA 30577-8863 |
| Document Number | 0001254177 |
|---|---|
| Date | Jun 3, 2021 |
| Instrument | 1254/177 |
| Name | HOMESTAR FINANCIAL |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 355 Months |
| Due | Jan 1, 2051 |
Source: Stephens County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Georgia |
| County | Stephens County |
| Unified School District | Stephens County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,184.00 (+53.16%) | $79,584 (+66.05%) Land $4,098 Building $75,486 | $198,961 (+66.05%) Land $10,245 Building $188,716 |
| 2023 | $1,426.00 (+6.5%) | $47,928 (+6.49%) Land $4,098 Building $43,830 | $119,820 (+6.49%) Land $10,245 Building $109,575 |
| 2022 | $1,339.00 | $45,006 Land $4,098 Building $40,908 | $112,516 Land $10,245 Building $102,271 |
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.
Source: FEMA National Flood Hazard Layer, effective September 26, 2008
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 43% of the US · lower than 61% of Georgia |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 73 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| TruVista Communications Cable | 500 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Windstream DSL | 200 / 20 |
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