3837 Hwy 123, Toccoa, GA 30577 Property Records

Stephens County property record for 3837 Hwy 123, Toccoa, GA 30577

Property Summary

Property Type	Rural Home
Details	3 bd · 3 ba · 3,139 sqft · built 2022
Lot Size	25 acres (1,089,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$75,000 (Jun 2020)
Tax Bill	$6,402 (2025)
Deeds & Mortgages	Aug 2025 Mortgage Feb 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`050 001B`

Property Details

APN / Parcel Number

Primary APN	`050 001B`
Alternative APNs	`990810` `81714`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,139 sqft Heated Area
Basement Area	1,783 sqft
Unfinished Basement	1,783 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	1,089,000 sqft (25 acres)
Terrain	Gentle Slope
Garage Area	625 sqft
Porch	Porch
Patio Area	600 sqft
Canopy	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	990810
Street Address	3837 HIGHWAY 123
City	TOCCOA
State	GA
Zip	30577-8425
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	AR
Legal Description	HWY 123
Jurisdiction	STEPHENS GA
Township / Civil Division	ROCK CREEK
Census Block Group	4
Census Block	4018
Census Tract	970202

Owner

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	2 Individual Names on Record
Mailing Address	3837 HIGHWAY 123, TOCCOA, GA 30577-8425
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2025	Deed of Trust, Mortgage NORTH GEORGIA CREDIT UNION
Feb 23, 2023	Deed of Trust, Mortgage · Conventional Mortgage MAGNOLIA BANK
Jun 22, 2020	Grant Deed, Transfer · Conventional Mortgage FARM CREDIT SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2020 · Amount on Record
Deed Sale	Jun 18, 2020 · Amount on Record
Deed Document Number	2020-000617
Deed Book / Page	1213 / 283
Last Transfer Date	Jun 22, 2020
Transfer Doc	0012130283
Record Updated	Jun 8, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	3837 HIGHWAY 123, TOCCOA, GA 30577-8425
Transaction Type	Mortgage
Record Updated	Mar 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3837 HIGHWAY 123, TOCCOA, GA 30577-8425

Mortgage

Document Number	0014180000000262
Date	Aug 14, 2025
Book Page	0000001418/0000000262
Instrument	2025002501

Lender

Name	NORTH GEORGIA CREDIT UNION

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2040

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	3837 HIGHWAY 123, TOCCOA, GA 30577-8425
Transaction Type	Mortgage
Record Updated	Mar 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3837 HIGHWAY 123, TOCCOA, GA 30577-8425

Mortgage

Document Number	0013220000000341
Date	Feb 23, 2023
Book Page	0000001322/0000000341

Lender

Name	MAGNOLIA BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2053

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STEPHENS GA
Recording Date	Jun 22, 2020
Property Address	3837 HIGHWAY 123, TOCCOA, GA 30577-8425
Document Number	0012130283
Book / Page	001213 / 000283
Instrument Date	Jun 15, 2020
Transaction Type	Transfer
Record Updated	Jul 10, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$75.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	HWY 123 TOCCOA GA 30577, TOCCOA, GA 30577

Mortgage

Document Number	12130285
Date	Jun 22, 2020
Book Page	001213/000285

Lender

Name	FARM CREDIT SVCS
Type	Funding / Finance Company
Address	PERRY, GA 31069-1820

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 21, 2040

Tax Assessment & Valuation

Source: Stephens County assessment roll, as of July 1, 2025

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	$6,402.00 (+19.82%) Homeowner's exemption	$280,905 (+56.5%) Land $23,371 Building $257,534	$702,262 (+56.5%) Land $58,428 Building $643,834
2023	$5,343.00 (+537.59%)	$179,490 (+537.53%) Land $23,371 Building $156,119	$448,726 (+537.52%) Land $58,428 Building $390,298
2022	$838.00	$28,154 Land $23,371 Building $4,783	$70,386 Land $58,428 Building $11,958

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	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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
Windstream DSL	10 / 1

May also be available: AT&T.

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