383 Cawthon Rd, Toccoa, GA 30577 Property Records

Stephens County property record for 383 Cawthon Rd, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	7 bd · 3 ba · 3,404 sqft · built 1981
Lot Size	2.97 acres (129,373 sqft)
Owner	Individual Name on File
Last Sale	$265,000 (Sep 2021)
Tax Bill	$2,917 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`021D 033`

Property Details

APN / Parcel Number

Primary APN	`021D 033`
Alternative APN	`506600`

Interior

Bedrooms	7 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,404 sqft Heated Area
Basement Area	1,484 sqft
Finished Basement	1,148 sqft
Unfinished Basement	336 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
Effective Year Built	Effective 2000
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	129,373 sqft (2.97 acres)
Terrain	Gentle Slope
Garage Type	Carport
Garage Area	448 sqft
Carport	Carport
Carport Area	448 sqft

Exterior Amenities

Porch	Slab
Porch Area	460 sqft
Deck Area	720 sqft
Patio Area	64 sqft
Canopy	440 sqft
Utility Building	192 sqft

Utilities, Heating & Cooling

Cooling System	Other
Heating Fuel	Gas

Location & Zoning

Account Number	506600
Street Address	383 CAWTHON RD
City	TOCCOA
State	GA
Zip	30577-7280
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	PT TRACT 2 CAWTHON RD
Legal Subdivision	0200 - PRIMARY - SF
Legal Tract	2
Jurisdiction	STEPHENS GA
Township / Civil Division	MARTIN-AVALON
Census Block Group	2
Census Block	2033
Census Tract	970401

Owner

383 Cawthon Rd is owned and occupied by an individual who bought it in September 2021.

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

Owner of Record	Individual Name on File
Mailing Address	383 CAWTHON RD, TOCCOA, GA 30577-7280
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 24, 2021	Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL
Jan 7, 2021	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 24, 2021 · Amount on File
Deed Sale	Sep 24, 2021 · Amount on File
Prior Sale	Aug 26, 1987
Deed Document Number	20211360
Deed Book / Page	1269 / 154
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Sep 24, 2021
Property Address	383 CAWTHON RD, TOCCOA, GA 30577-7280
Document Number	0012690154
Book / Page	1269 / 154
Instrument Date	Sep 24, 2021
Instrument	2021-001360
Transaction Type	Transfer
Record Updated	Oct 25, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	383 CAWTHON RD, TOCCOA, GA 30577-7280

Mortgage

Document Number	0012690000000157
Date	Oct 4, 2021
Book Page	0000001269/0000000157
Instrument	000550

Lender

Name	HOMESTAR FINANCIAL

Agreement

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

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	383 CAWTHON RD, TOCCOA, GA 30577-7280
Document Number	0012400001
Instrument Date	Jan 7, 2021
Transaction Type	Mortgage
Record Updated	Mar 10, 2021
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	383 CAWTHON RD TOCCOA GA 305777280, TOCCOA, GA 30577-7280

Mortgage

Document Number	0012400001
Date	Feb 16, 2021
Book Page	001240/000001

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	180 Months
Due	Feb 15, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 383 Cawthon Rd was $2,917 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	$2,917.00 Homeowner's exemption	$130,951 Land $5,472 Building $125,479	$327,378 Land $13,681 Building $313,697
2023	$2,326.00	$80,152 Land $5,472 Building $74,680	$200,382 Land $13,681 Building $186,701

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 383 Cawthon Rd 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	2 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 383 Cawthon Rd is moderate, ranking above 54% 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 54% of the US · above 77% of Georgia
Wildfire Likelihood	0.1% 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 60 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
Verizon Fixed Wireless	300 / 20

May also be available: Windstream.

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