40 Creek Ct, Toccoa, GA 30577 Property Records

Stephens County property record for 40 Creek Ct, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,610 sqft · built 1976
Lot Size	0.49 acres (21,344 sqft)
Owner	Individual Name on File
Tax Bill	$987 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jun 2026 Transfer
Flood Zone	Zone X (minimal risk)
APN	`T38 113`

Property Details

APN / Parcel Number

Primary APN	`T38 113`
Alternative APN	`791850`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,610 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1983
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	21,344 sqft (0.49 acres)
Terrain	Gentle Slope
Garage Type	Mixed
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	360 sqft
Patio Area	144 sqft
Utility Building	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	791850
Street Address	40 CREEK CT
City	TOCCOA
State	GA
Zip	30577-6189
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-IA
Legal Description	LOTS 317 & 318 MEADOWBROOK S/D
Legal Subdivision	MEADOWBROOK
Legal Lot Number	317,318
Jurisdiction	STEPHENS GA
Township / Civil Division	TOCCOA
Census Block Group	2
Census Block	2002
Census Tract	970302

Owner

40 Creek Ct is owned and occupied by an individual who acquired it in June 2026.

Source: Stephens County records, as of August 10, 2026

Owner of Record	Individual Name on File
Mailing Address	40 CREEK CT, TOCCOA, GA 30577-6189
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
Jul 9, 2026	Deed of Trust, Mortgage PEACH STATE FEDERAL CREDIT UNION
Jun 19, 2026	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 1993
Deed Sale	Dec 1, 1993
Deed Book / Page	300 / 440
Last Transfer Date	Jun 18, 2026
Transfer Doc	0000001803
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Recording Date	Jul 9, 2026
Property Address	40 CREEK CT, TOCCOA, GA 30577-6189
Document Number	1457000078
Book / Page	1457 / 78
Instrument Date	Jul 3, 2026
Transaction Type	Mortgage
Record Updated	Aug 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 CREEK CT, TOCCOA, GA 30577-6189

Mortgage

Document Number	1457000078,
Date	Jul 9, 2026
Book Page	1457/78

Lender

Name	PEACH STATE FEDERAL CREDIT UNION

Agreement

Amount	Amount on Record
Term	144 Months
Due	Jul 1, 2038

Interest

Rate	6.48%
Max Rate	-1%

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STEPHENS GA
Recording Date	Jun 19, 2026
Property Address	40 CREEK CT, TOCCOA, GA 30577-6189
Document Number	0000001803
Book / Page	1454 / 399
Instrument Date	Jun 18, 2026
Instrument	20261803
Transaction Type	Transfer
Record Updated	Aug 30, 2026

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 CREEK CT, TOCCOA, GA 30577-6189

Tax Assessment & Valuation

The 2025 property tax bill for 40 Creek Ct was $987 with exemptions applied.

Source: Stephens County assessment roll, as of March 12, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$987.00 Homeowner's exemption Senior Citizen's exemption	$68,913 Land $2,682 Building $66,231	$172,283 Land $6,706 Building $165,577
2023	$474.00 (-66.9%) Homeowner's exemption	$42,780 (+5.6%) Land $2,682 Building $40,098	$106,950 (+5.6%) Land $6,706 Building $100,244
2022	$1,432.00 Homeowner's exemption	$40,510 Land $2,682 Building $37,828	$101,276 Land $6,706 Building $94,570

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 40 Creek Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1999.

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	4 in force
Nearby Flood Claims	1 (1999)
Most Recent Claim	Oct 1999 · rainfall accumulation

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 40 Creek Ct is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 80% of Georgia
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
TruVista Communications Fiber · Cable in parts of the area	5,000 / 5,000

May also be available: Point Broadband, T-Mobile, Windstream.

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