Stephens County property record for 406 S Pond St, Toccoa, GA 30577
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 2,239 sqft · built 1945 |
| Lot Size | 0.389 acres (16,988 sqft) |
| Owner | Individual Name on File |
| Last Sale | $4,000 (Jun 2001) |
| Tax Bill | $581 (2025) |
| Deeds & Mortgages | Sep 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T20 167 |
| Primary APN | T20 167 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,239 sqft Heated Area |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 16,988 sqft (0.389 acres) |
| Terrain | Gentle Slope |
| Garage Area | 1,280 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Porch |
| Porch Area | 688 sqft |
| Sewer | Municipal |
|---|---|
| Water Source | Commercial |
| Account Number | 644950 |
|---|---|
| Street Address | 406 S POND ST |
| City | TOCCOA |
| State | GA |
| Zip | 30577-2902 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-III |
| Legal Description | PT LOT 1 WHITMIRE S/D |
| Legal Subdivision | WHITMIRE S/D |
| Legal Lot Number | 1 |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | TOCCOA |
| Census Block Group | 4 |
| Census Block | 4048 |
| Census Tract | 970301 |
406 S Pond St is owned and occupied by an individual who bought it in June 2001.
Source: Stephens County records, as of March 11, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 406 S POND ST, TOCCOA, GA 30577-2902 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 21, 2001 · Amount on File |
| Deed Sale | Jun 21, 2001 · Amount on File |
| Deed Document Number | 0000509410 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 406 S POND ST, TOCCOA, GA 30577-2902 |
| Document Number | 0011900177 |
| Instrument Date | Sep 25, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 406 S POND ST TOCCOA GA 305772902, TOCCOA, GA 30577-2902 |
| Document Number | 0011900177 |
|---|---|
| Date | Sep 30, 2019 |
| Book Page | 001190/000177 |
| Name | OCONEE FED'L S&L ASSN |
|---|---|
| Type | Federal Savings Bank |
| Address | SENECA, SC 29678 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Sep 29, 2034 |
The 2025 property tax bill for 406 S Pond St was $581 with exemptions applied.
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 | $581.00 Homeowner's exemption Senior Citizen's exemption | $54,488 Land $1,600 Building $52,888 | $136,219 Land $4,000 Building $132,219 |
| 2023 | $228.00 Homeowner's exemption | $35,030 Land $1,600 Building $33,430 | $87,576 Land $4,000 Building $83,576 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 406 S Pond 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 406 S Pond St is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 87% of Georgia |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
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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