401 Edgewater Trl S, Toccoa, GA 30577 Property Records

Stephens County property record for 401 Edgewater Trl S, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 4,706 sqft · built 2006
Lot Size	0.67 acres (29,185 sqft)
Owner	Individual Name on File
Last Sale	$790,000 (Nov 2023)
Tax Bill	$9,635 (2025)
Deeds & Mortgages	Oct 2021 Second Mortgage Nov 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`057 102`

Property Details

APN / Parcel Number

Primary APN	`057 102`
Alternative APN	`280216`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	4,706 sqft Heated Area
Basement Area	1,780 sqft
Finished Basement	1,780 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	29,185 sqft (0.67 acres)
Garage Area	640 sqft

Exterior Amenities

Porch	Slab
Porch Area	186 sqft
Deck Area	91 sqft
Patio Area	91 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	280216
Street Address	401 EDGEWATER TRL S
City	TOCCOA
State	GA
Zip	30577-2568
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 6 PH 1 SEC D CURRAHEE CLUB
Legal Subdivision	CURRAHEE CLUB
Legal Phase	1
Legal Lot Number	6
Jurisdiction	STEPHENS GA
Township / Civil Division	ROCK CREEK
Census Block Group	4
Census Block	4013
Census Tract	970202

Owner

401 Edgewater Trl S is owned by an individual who bought it in November 2023.

Source: Stephens County records, as of March 12, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	1916 JULLEE LN, PALM HARBOR, FL 34683-4726
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE
Nov 20, 2023	Warranty Deed, Transfer
Apr 8, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 20, 2023 · Amount on File
Deed Sale	Nov 20, 2023 · Amount on File
Prior Sale	Dec 10, 2015 · Amount on File
Deed Book / Page	1349 / 484
Prior Transfer Date	Mar 16, 2006
Prior Transfer Doc	0007540122
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	401 EDGEWATER TRL S, TOCCOA, GA 30577-2568
Transaction Type	Mortgage
Record Updated	Feb 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 EDGEWATER TRL S, TOCCOA, GA 30577-2568

Mortgage

Document Number	0012720000000470
Date	Oct 27, 2021
Book Page	0000001272/0000000470

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 1, 2036

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Nov 20, 2023
Property Address	401 EDGEWATER TRL S, TOCCOA, GA 30577-2568
Document Number	0013490484
Book / Page	1349 / 484
Instrument Date	Nov 15, 2023
Transaction Type	Transfer
Record Updated	Dec 29, 2023

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 EDGEWATER TRL S, TOCCOA, GA 30577-2568

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	401 EDGEWATER TRL S, TOCCOA, GA 30577-2568
Document Number	0011760452
Instrument Date	Apr 8, 2019
Transaction Type	Mortgage
Record Updated	Sep 28, 2020
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 EDGEWATER TRL S TOCCOA GA 305772568, TOCCOA, GA 30577-2568

Mortgage

Document Number	0011760452
Date	Apr 29, 2019
Book Page	001176/000452

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 28, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 401 Edgewater Trl S was $9,635.

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

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	$9,635.00	$351,023 Land $33,274 Building $317,749	$877,556 Land $83,184 Building $794,372
2023	$6,563.00 (+4.82%) Homeowner's exemption	$222,468 (+5.77%) Land $33,274 Building $189,194	$556,169 (+5.77%) Land $83,184 Building $472,985
2022	$6,261.00 Homeowner's exemption	$210,332 Land $33,274 Building $177,058	$525,829 Land $83,184 Building $442,645

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

FEMA maps place 401 Edgewater Trl S in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 A, within 500 ft
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

Wildfire risk around 401 Edgewater Trl S is moderate, ranking above 45% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · above 47% of Georgia
Wildfire Likelihood	0.09% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Windstream Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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