405 Wesley Cir, Toccoa, GA 30577 Property Records

Stephens County property record for 405 Wesley Cir, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 4,625 sqft · built 1987
Lot Size	1.32 acres (57,499 sqft)
Owner	Individual Name on Record
Last Sale	$400,000 (Jun 2023)
Tax Bill	$5,012 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Jun 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`042F 019`

Property Details

APN / Parcel Number

Primary APN	`042F 019`
Alternative APN	`401300`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	4,625 sqft Heated Area
Basement Area	870 sqft
Finished Basement	870 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1995
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	57,499 sqft (1.32 acres)
Terrain	Gentle Slope
Garage Area	1,020 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Area	330 sqft
Porch	Porch
Porch Area	908 sqft
Deck Area	224 sqft
Patio Area	340 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Account Number	401300
Old Parcel Number	042F 019
Street Address	405 WESLEY CIR
City	TOCCOA
State	GA
Zip	30577-8623
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 21 PH 4 FOXDALE S/D
Legal Subdivision	FOXDALE
Legal Phase	4
Legal Lot Number	21
Jurisdiction	STEPHENS GA
Township / Civil Division	TOCCOA
Census Block Group	4
Census Block	4025
Census Tract	970102

Owner

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
Co-owner	Co-owner on Record
Mailing Address	405 WESLEY CIR, TOCCOA, GA 30577-8623
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage OCONEE FEDERAL SAVINGS AND LOAN
Jun 9, 2023	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE ATLANTA
Apr 18, 2019	Grant Deed, Transfer · Conventional with PMI NORTH GA CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 9, 2023 · Amount on Record
Deed Sale	Jun 9, 2023 · Amount on Record
Prior Sale	Apr 18, 2019 · Amount on Record
Deed Document Number	0001333103
Deed Book / Page	1333 / 103
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	405 WESLEY CIR, TOCCOA, GA 30577-8623
Transaction Type	Mortgage
Record Updated	Mar 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 WESLEY CIR, TOCCOA, GA 30577-8623

Mortgage

Document Number	0012780000000482
Date	Dec 14, 2021
Book Page	0000001278/0000000482

Lender

Name	OCONEE FEDERAL SAVINGS AND LOAN

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2037

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Jun 9, 2023
Property Address	405 WESLEY CIR, TOCCOA, GA 30577-8623
Document Number	0013330103
Book / Page	1333 / 103
Instrument Date	Jun 9, 2023
Instrument	2023-000665
Transaction Type	Transfer
Record Updated	Mar 12, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 WESLEY CIR, TOCCOA, GA 30577-8623

Mortgage

Document Number	0001333106
Date	Jun 9, 2023
Instrument	1333/106

Lender

Name	MORTGAGE ATLANTA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	355 Months
Due	Jan 1, 2053

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STEPHENS GA
Recording Date	Apr 18, 2019
Property Address	405 WESLEY CIR, TOCCOA, GA 30577-8623
Document Number	0011760091
Book / Page	001176 / 000091
Instrument Date	Apr 18, 2019
Transaction Type	Transfer
Record Updated	May 17, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$340.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	405 WESLEY CIR TOCCOA GA 305778623, TOCCOA, GA 30577-8623

Mortgage

Document Number	11760094
Date	Apr 18, 2019
Book Page	001176/000094

Lender

Name	NORTH GA CU
Type	Credit Union
Address	TOCCOA, GA 30577

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	60 Months
Due	Apr 17, 2024

Tax Assessment & Valuation

Source: Stephens County assessment roll, as of July 1, 2025

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	$5,012.00 (+25.27%) Homeowner's exemption	$223,616 (+63.94%) Land $7,519 Building $216,097	$559,040 (+63.94%) Land $18,797 Building $540,243
2023	$4,001.00 (+4.57%) Homeowner's exemption	$136,400 (+6.11%) Land $7,519 Building $128,881	$340,999 (+6.11%) Land $18,797 Building $322,202
2022	$3,826.00 Homeowner's exemption	$128,545 Land $7,519 Building $121,026	$321,362 Land $18,797 Building $302,565

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

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	3 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

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

Wildfire Risk	Moderate above 54% of the US · above 77% of Georgia
Wildfire Likelihood	0.1% 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 57 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TruVista Communications Cable	500 / 50
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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