385 Acre Est, Toccoa, GA 30577 Property Records

Stephens County property record for 385 Acre Est, Toccoa, GA 30577 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,552 sqft · built 1977
Lot Size	1.03 acres (44,867 sqft)
Owner	Individual Name on File
Last Sale	$389,000 (May 2024)
Tax Bill	$2,278 (2023)
Deeds & Mortgages	Jul 2026 Mortgage Feb 2024 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`042D 108`

Property Details

APN / Parcel Number

Primary APN	`042D 108`
Alternative APN	`392700`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,552 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 2001
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	44,867 sqft (1.03 acres)
Terrain	Gentle Slope
Garage Type	Carport
Garage Area	209 sqft
Carport	Carport
Carport Area	209 sqft

Exterior Amenities

Porch	Slab
Porch Area	286 sqft
Lean-To	72 sqft
Utility Building	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	392700
Street Address	385 ACRE EST
City	TOCCOA
State	GA
Zip	30577-8130
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 15 BLK A PHS 1 ACRE ESTATES S/D
Legal Subdivision	ACRE ESTATES
Legal Phase	1
Legal Block	A
Legal Lot Number	15
Jurisdiction	STEPHENS GA
Township / Civil Division	ROCK CREEK
Census Block Group	1
Census Block	1003
Census Tract	970202

Owner

Source: Stephens County records · APN 042D 108

Assessment roll updated March 12, 2026 · Last verified August 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 File
Mailing Address	385 ACRE EST, TOCCOA, GA 30577-8130
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 01, 2026	Deed of Trust, Mortgage
Feb 12, 2024	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
Dec 06, 2023	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
Oct 14, 2025	Deed of Trust, Mortgage · FHA Mortgage AMERIHOME MORTGAGE
Nov 04, 2019	Quit Claim Deed, Mortgage · Conventional Mortgage ACADEMY MTG

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 13, 2024 · Amount on Record
Deed Sale	May 13, 2024 · Amount on Record
Prior Sale	Feb 14, 2006 · Amount on Record
Deed Book / Page	1367 / 133
Prior Transfer Date	Oct 28, 2019
Prior Transfer Doc	0011930281
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Recording Date	Jul 01, 2026
Property Address	385 ACRE EST, TOCCOA, GA 30577-8130
Document Number	0000001942
Book / Page	1456 / 100
Instrument Date	Jun 24, 2026
Instrument	20261942
Transaction Type	Mortgage
Record Updated	Aug 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001942,
Date	Jul 01, 2026
Book Page	1456/100
Instrument	20261942

Lender

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2056

Interest

Rate	6.53%
Max Rate	-1%

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	385 ACRE EST, TOCCOA, GA 30577-8130
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	385 ACRE EST, TOCCOA, GA 30577-8130

Mortgage

Document Number	0013570000000207
Date	Feb 12, 2024
Book Page	0000001357/0000000207
Instrument	2024000250

Lender

Name	UNITED COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 01, 2048

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	385 ACRE EST, TOCCOA, GA 30577-8130
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	385 ACRE EST, TOCCOA, GA 30577-8130

Mortgage

Document Number	0013510000000040
Date	Dec 06, 2023
Book Page	0000001351/0000000040

Lender

Name	UNITED COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 01, 2048

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	385 ACRE EST, TOCCOA, GA 30577-8130
Transaction Type	Mortgage
Record Updated	Nov 03, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	385 ACRE EST, TOCCOA, GA 30577-8130

Mortgage

Document Number	0014260000000296
Date	Oct 14, 2025
Book Page	0000001426/0000000296
Instrument	2025003243

Lender

Name	AMERIHOME MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Jan 01, 2065

November 2019: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	STEPHENS GA
Recording Date	Nov 04, 2019
Property Address	385 ACRE EST, TOCCOA, GA 30577-8130
Document Number	0011930281
Book / Page	001193 / 000281
Instrument Date	Oct 28, 2019
Transaction Type	Mortgage
Record Updated	Nov 12, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	385 ACRE EST TOCCOA GA 305778130, TOCCOA, GA 30577-8130

Mortgage

Document Number	11930283
Date	Nov 04, 2019
Book Page	001193/000283

Lender

Name	ACADEMY MTG
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 03, 2049

Tax Assessment & Valuation

Source: Stephens County records · Assessment roll updated March 12, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Georgia
County	Stephens County
Unified School District	Stephens County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$130,732 (+66.43%) Land $6,978 Building $123,754	$326,831 (+66.43%) Land $17,446 Building $309,385
2023	$2,278.00 (+3.73%) Homeowner's exemption	$78,552 (+6.45%) Land $6,978 Building $71,574	$196,382 (+6.46%) Land $17,446 Building $178,936
2022	$2,196.00 Homeowner's exemption	$73,789 Land $6,978 Building $66,811	$184,474 Land $17,446 Building $167,028

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Stephens County (13257C), updated September 26, 2008 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Moderate above 46% of the US · above 50% of Georgia
Wildfire Likelihood	About 1 in 926 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 71 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
TruVista Communications	Cable	500 / 50
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Uniti Group	DSL	100 / 20

May also be available at this address: TruVista Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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