38 Lotus Dr, Toccoa, GA 30577 Property Records

Stephens County property record for 38 Lotus Dr, Toccoa, GA 30577

Property Summary

Property Type	Mobile Home
Details	1,792 sqft · built 2001
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$190,000 (Nov 2023)
Tax Bill	$270 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Nov 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`009C 035C`

Property Details

APN / Parcel Number

Primary APN	`009C 035C`
Alternative APN	`553165`

Interior

Stories	1 Story
Building Area	1,792 sqft Gross Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Ranch
Exterior Material	Vinyl
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)

Exterior Amenities

Porch	Slab
Deck Area	128 sqft
Canopy	360 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	553165
Street Address	38 LOTUS DR
City	TOCCOA
State	GA
Zip	30577-9143
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	RS
Legal Description	TRACT 1
Legal Subdivision	0100 - PRIMARY - SF
Legal Tract	1
Jurisdiction	STEPHENS GA
Township / Civil Division	TOCCOA
Census Block Group	1
Census Block	1050
Census Tract	970101

Owner

38 Lotus Dr, a mobile home, is owned and occupied by an individual who bought it in November 2023.

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

Owner of Record	Individual Name on File
Mailing Address	38 LOTUS DR, TOCCOA, GA 30577-9143
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

Date	Document
Sep 22, 2025	Deed of Trust, Mortgage UNITED WHOLESALE
Nov 13, 2023	Deed of Trust, Mortgage · FHA Mortgage NEXA MORTGAGE
Nov 13, 2023	Warranty Deed, Transfer · FHA Mortgage NEXA MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 13, 2023 · Amount on File
Deed Sale	Nov 13, 2023 · Amount on File
Prior Sale	Sep 15, 2005 · Amount on File
Deed Document Number	20231696
Deed Book / Page	1349 / 134
Prior Transfer Date	Nov 3, 2023
Prior Transfer Doc	0013490134
Record Updated	Jun 8, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	38 LOTUS DR, TOCCOA, GA 30577-9143
Transaction Type	Mortgage
Record Updated	Mar 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 LOTUS DR, TOCCOA, GA 30577-9143

Mortgage

Document Number	0014230000000271
Date	Sep 22, 2025
Book Page	0000001423/0000000271
Instrument	D2025002964

Lender

Name	UNITED WHOLESALE

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2055

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	38 LOTUS DR, TOCCOA, GA 30577-9143
Transaction Type	Mortgage
Record Updated	Mar 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 LOTUS DR, TOCCOA, GA 30577-9143
Investor	Possibly a Property Investor

Mortgage

Document Number	0013490000000158
Date	Nov 13, 2023
Book Page	0000001349/0000000158
Instrument	2023001698

Lender

Name	NEXA MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jan 1, 2033

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Nov 13, 2023
Property Address	38 LOTUS DR, TOCCOA, GA 30577-9143
Document Number	0013490134
Book / Page	1349 / 134
Instrument Date	Nov 3, 2023
Instrument	D2023001696
Transaction Type	Transfer
Record Updated	Mar 12, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 LOTUS DR, TOCCOA, GA 30577-9143

Mortgage

Document Number	0013490000000136
Date	Nov 13, 2023
Book Page	0000001349/0000000136
Instrument	2023001697

Lender

Name	NEXA MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 38 Lotus Dr was $270 with a homeowner's exemption.

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	$270.00 Homeowner's exemption	$12,862 Land $3,143 Building $9,719	$32,156 Land $7,858 Building $24,298
2023	$93.00	$3,143 (-) Land $3,143	$7,858 (-) Land $7,858
2022	$93.00	$3,143 Land $3,143	$7,858 Land $7,858

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

Flood

FEMA maps place 38 Lotus 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	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

Wildfire risk around 38 Lotus Dr is moderate, ranking above 56% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 56% of the US · above 83% 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TruVista Communications Cable	500 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: TrailWave.

Cell Coverage

5G and 4G LTE (outdoors only)

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