Stephens County property record for 40 Leroy St, Toccoa, GA 30577
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 840 sqft · built 1969 |
| Lot Size | 0.12 acres (5,227 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $610 (2025) |
| Deeds & Mortgages | Mar 2017 Mortgage May 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T20 118 |
| Primary APN | T20 118 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 840 sqft Heated Area |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 5,227 sqft (0.12 acres) |
| Terrain | Gentle Slope |
| Porch | Slab |
| Porch Area | 80 sqft |
| Cooling System | Other |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 647150 |
|---|---|
| Street Address | 40 LEROY ST |
| City | TOCCOA |
| State | GA |
| Zip | 30577-5820 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-IB |
| Legal Description | LOT 12 BLK 2 BOOKER WASHINGTON HEIGHTS |
| Legal Subdivision | BOOKER WASHINGTON HEIGHTS |
| Legal Block | 2 |
| Legal Lot Number | 12 |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | TOCCOA |
| Census Block Group | 4 |
| Census Block | 4059 |
| Census Tract | 970301 |
40 Leroy St is owned by an individual who acquired it in May 2020.
Source: Stephens County records, as of March 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 25 SHERRI LN, TOCCOA, GA 30577-8584 |
| 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.
| Date | Document |
|---|---|
| Mar 23, 2017 | Deed of Trust, Mortgage · Conventional Mortgage FIRST FRANKLIN FINANCIAL CORP |
| May 18, 2018 | Deed of Trust, Mortgage · Conventional Mortgage FIRST FRANKLIN FINANCIAL CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 29, 2003 |
| Deed Sale | Jul 29, 2003 |
| Prior Sale | Feb 1, 1998 |
| Last Transfer Date | May 15, 2020 |
| Transfer Doc | 0012090275 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 40 LEROY ST, TOCCOA, GA 30577-5820 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0011170004 |
|---|---|
| Date | Mar 23, 2017 |
| Book Page | 1117/4 |
| Name | FIRST FRANKLIN FINANCIAL CORP |
|---|---|
| Type | Subprime Lender |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Apr 1, 2022 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 40 LEROY ST, TOCCOA, GA 30577-5820 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0011500235 |
|---|---|
| Date | May 18, 2018 |
| Book Page | 1150/235 |
| Name | FIRST FRANKLIN FINANCIAL CORP |
|---|---|
| Type | Subprime Lender |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Jun 1, 2023 |
The 2025 property tax bill for 40 Leroy St was $610.
Source: Stephens County assessment roll, as of March 12, 2026
| 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 | $610.00 | $17,497 Land $600 Building $16,897 | $43,742 Land $1,500 Building $42,242 |
| 2023 | $370.00 (+11.78%) | $10,466 (+11.63%) Land $600 Building $9,866 | $26,165 (+11.62%) Land $1,500 Building $24,665 |
| 2022 | $331.00 | $9,376 Land $600 Building $8,776 | $23,441 Land $1,500 Building $21,941 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 40 Leroy St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2009.
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 | 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.
Wildfire risk around 40 Leroy St is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 91% of Georgia |
|---|---|
| Wildfire Likelihood | 0.02% 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 247 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 | 500 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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