4076 Riverdale Rd, Toccoa, GA 30577 Property Records

Stephens County property record for 4076 Riverdale Rd, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,016 sqft · built 2010
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on File
Last Sale	$416,200 (Dec 2019)
Tax Bill	$7,008 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Jul 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`049 027A`

Property Details

APN / Parcel Number

Primary APN	`049 027A`
Alternative APN	`355655`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,016 sqft Heated Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2010
Architectural Style	Contemporary
Exterior Material	Fiber Cement Siding
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Metal
Lot Area	217,800 sqft (5 acres)

Exterior Amenities

Pool Area	336 sqft
Porch	Porch
Porch Area	600 sqft
Deck Area	340 sqft
Patio Area	340 sqft
Utility Building	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	355655
Street Address	4076 RIVERDALE RD
City	TOCCOA
State	GA
Zip	30577-8591
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	TRACT 2 RIVERDALE RD
Legal Subdivision	TRACT 1 2
Legal Tract	2
Jurisdiction	STEPHENS GA
Township / Civil Division	ROCK CREEK
Census Block Group	4
Census Block	4019
Census Tract	970202

Owner

4076 Riverdale Rd is owned and occupied by two individuals who bought it in December 2019.

Source: Stephens County records, as of March 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4076 RIVERDALE RD, TOCCOA, GA 30577-8591
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
Aug 9, 2022	Deed of Trust, Mortgage · Commercial Mortgage UNITED COMMUNITY BANK
Jul 19, 2021	Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS
Jan 8, 2020	Grant Deed, Transfer · VA Mortgage KELLER MTG
Jan 8, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2019 · Amount on File
Deed Sale	Dec 30, 2019 · Amount on File
Deed Document Number	0000119925
Deed Book / Page	1199 / 25
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	4076 RIVERDALE RD, TOCCOA, GA 30577-8591
Transaction Type	Mortgage
Record Updated	Sep 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4076 RIVERDALE RD, TOCCOA, GA 30577-8591

Mortgage

Document Number	0013060000000136
Date	Aug 9, 2022
Book Page	0000001306/0000000136
Instrument	001304

Lender

Name	UNITED COMMUNITY BANK

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	300 Months
Due	Jan 1, 2047

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	4076 RIVERDALE RD, TOCCOA, GA 30577-8591
Transaction Type	Mortgage
Record Updated	Aug 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4076 RIVERDALE RD, TOCCOA, GA 30577-8591

Mortgage

Document Number	0012590000000314
Date	Jul 19, 2021
Book Page	0000001259/0000000314

Lender

Name	CALIBER HOME LOANS

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STEPHENS GA
Recording Date	Jan 8, 2020
Property Address	4076 RIVERDALE RD, TOCCOA, GA 30577-8591
Document Number	0011990025
Book / Page	001199 / 000025
Instrument Date	Dec 30, 2019
Transaction Type	Transfer
Record Updated	Feb 17, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$416.00
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	4076 RIVERDALE RD TOCCOA GA 305778591, TOCCOA, GA 30577-8591

Mortgage

Document Number	11990027
Date	Jan 8, 2020
Book Page	001199/000027

Lender

Name	KELLER MTG
Type	Mortgage Company
Address	DUBLIN, OH 43016

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 7, 2050

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STEPHENS GA
Recording Date	Jan 8, 2020
Property Address	4076 RIVERDALE RD, TOCCOA, GA 30577-8591
Document Number	0011990026
Book / Page	001199 / 000026
Instrument Date	Dec 30, 2019
Transaction Type	Transfer
Record Updated	Jan 24, 2020
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4076 RIVERDALE RD TOCCOA GA 305778591, TOCCOA, GA 30577-8591

Tax Assessment & Valuation

The 2025 property tax bill for 4076 Riverdale Rd was $7,008.

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	$7,008.00	$255,312 Land $7,200 Building $248,112	$638,279 Land $18,000 Building $620,279
2023	$4,679.00 (+6.2%)	$157,178 (+6.19%) Land $7,200 Building $149,978	$392,945 (+6.19%) Land $18,000 Building $374,945
2022	$4,406.00	$148,021 Land $7,200 Building $140,821	$370,052 Land $18,000 Building $352,052

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 4076 Riverdale Rd in Zone X, an area of minimal flood risk.

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	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 4076 Riverdale Rd is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 52% of the US · above 73% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	25 / 3
Windstream DSL	10 / 1

May also be available: TruVista Communications.

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