Stephens County property record for 398 Grove St, Toccoa, GA 30577
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 812 sqft · built 1954 |
| Lot Size | 0.4 acres (17,424 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $145,000 (Jun 2025) |
| Tax Bill | $1,686 (2025) |
| Deeds & Mortgages | Jun 2025 Sale & Mortgage Jan 2021 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T21 084 |
| Primary APN | T21 084 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 812 sqft Heated Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 17,424 sqft (0.4 acres) |
| Terrain | Gentle Slope |
| Garage Type | Carport |
| Carport | Carport |
| Carport Area | 424 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 126 sqft |
| Deck Area | 36 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 653700 |
|---|---|
| Street Address | 398 GROVE ST |
| City | TOCCOA |
| State | GA |
| Zip | 30577-5816 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-II |
| Legal Description | GROVE ST LOT |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | TOCCOA |
| Census Block Group | 4 |
| Census Block | 4062 |
| Census Tract | 970301 |
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 | 398 GROVE ST, TOCCOA, GA 30577-5816 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 4, 2025 | Warranty Deed, Transfer · FHA Mortgage PREMIER MORTGAGE |
| Jan 29, 2021 | Warranty Deed, Transfer |
| Jan 29, 2021 | Correction Deed, Transfer ATTORNEY ONLY |
| Sep 17, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 4, 2025 · Amount on Record |
| Deed Sale | Jun 4, 2025 · Amount on Record |
| Prior Sale | Jan 29, 2021 · Amount on Record |
| Deed Document Number | 0001409257 |
| Deed Book / Page | 1409 / 257 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Jun 4, 2025 |
| Property Address | 398 GROVE ST, TOCCOA, GA 30577-5816 |
| Document Number | 0014090257 |
| Book / Page | 1409 / 257 |
| Instrument Date | Jun 3, 2025 |
| Transaction Type | Transfer |
| Record Updated | Jul 18, 2025 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1.45 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 398 GROVE ST, TOCCOA, GA 30577-5816 |
| Document Number | 0001409259 |
|---|---|
| Date | Jun 4, 2025 |
| Instrument | 1409/259 |
| Name | PREMIER MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 355 Months |
| Due | Jan 1, 2055 |
| Document Number | 0014090000000275 |
|---|---|
| Date | Jun 4, 2025 |
| Book Page | 0000001409/0000000275 |
| Name | PREMIER MORTGAGE |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Jan 29, 2021 |
| Property Address | 398 GROVE ST, TOCCOA, GA 30577-5816 |
| Document Number | 0012370445 |
| Book / Page | 1237 / 445 |
| Instrument Date | Jan 29, 2021 |
| Instrument | 2021-000113 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 398 GROVE ST, TOCCOA, GA 30577-5816 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Jan 29, 2021 |
| Property Address | 398 GROVE ST, TOCCOA, GA 30577-5816 |
| Document Number | 0012370443 |
| Book / Page | 001237 / 000443 |
| Instrument Date | Jan 29, 2021 |
| Transaction Type | Transfer |
| Record Updated | Feb 10, 2021 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 398 GROVE ST TOCCOA GA 30577, TOCCOA, GA 30577 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Sep 17, 2019 |
| Property Address | 398 GROVE ST, TOCCOA, GA 30577-5816 |
| Document Number | 0011880483 |
| Book / Page | 001188 / 000483 |
| Instrument Date | Sep 11, 2019 |
| Transaction Type | Transfer |
| Record Updated | Sep 26, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $22.00 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 398 GROVE ST TOCCOA GA 30577, TOCCOA, GA 30577 |
Source: Stephens County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Georgia |
| County | Stephens County |
| Municipality | Toccoa City |
| Unified School District | Stephens County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,686.00 (+63.06%) | $48,329 (+65.25%) Land $1,620 Building $46,709 | $120,824 (+65.25%) Land $4,051 Building $116,773 |
| 2023 | $1,034.00 (+6.38%) | $29,246 (+6.4%) Land $1,620 Building $27,626 | $73,117 (+6.41%) Land $4,051 Building $69,066 |
| 2022 | $972.00 | $27,486 Land $1,620 Building $25,866 | $68,715 Land $4,051 Building $64,664 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 1 (2009) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2009 · Severe Storms And Flooding |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · lower than 89% of Georgia |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
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 148 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber · DSL in parts of the area | 2,000 / 2,000 |
| TruVista Communications Cable · Fiber in parts of the area | 500 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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