414 Dusty Trl, Toccoa, GA 30577 Property Records

Banks County property record for 414 Dusty Trl, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,554 sqft · built 1993
Lot Size	13.2 acres (574,992 sqft)
Owner	Individual Name on File
Tax Bill	$1,563 (2025)
Deeds & Mortgages	Sep 2025 Sale Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`B71 024`

Property Details

APN / Parcel Number

Primary APN	`B71 024`
Alternative APN	`4466`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,554 sqft Heated Area
1st Floor Area	1,050 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable
Roof Material	Tin
Lot Area	574,992 sqft (13.2 acres)
Porch	Open Porch
Porch Area	544 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	4466
Street Address	414 DUSTY TRL
City	TOCCOA
State	GA
Zip	30577
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ARR
Legal Description	PB17-189
Jurisdiction	BANKS GA
Township / Civil Division	BALDWIN
Census Block Group	3
Census Block	3063
Census Tract	970100

Owner

414 Dusty Trl is owned and occupied by an individual who acquired it in September 2025.

Source: Banks County records, as of January 19, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	PO BOX 696, HOMER, GA 30547-0696
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
Sep 2, 2025	Limited Warranty Deed, Transfer
Feb 18, 2021	Deed of Trust, Mortgage · Commercial Mortgage SOUTH STATE BANK
Feb 22, 2024	Deed of Trust, Mortgage · Conventional Mortgage SOUTHSTATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 2, 2025
Deed Sale	Sep 2, 2025
Deed Document Number	0000584246
Deed Book / Page	584 / 246
Record Updated	Jun 8, 2026

September 2025: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	BANKS GA
Recording Date	Sep 2, 2025
Property Address	414 DUSTY TRL, TOCCOA, GA 30577
Document Number	000584/246
Book / Page	584 / 246
Instrument Date	Sep 1, 2025
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
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	PO BOX 696, HOMER, GA 30547-0696

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BANKS GA
Property Address	414 DUSTY TRL, TOCCOA, GA 30577
Transaction Type	Mortgage
Record Updated	Apr 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	414 DUSTY TRL

Mortgage

Document Number	0000000498/0000000132
Date	Feb 18, 2021
Book Page	0000000498/0000000132

Lender

Name	SOUTH STATE BANK

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	36 Months
Due	Jan 1, 2024

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BANKS GA
Property Address	414 DUSTY TRL, TOCCOA, GA 30577
Transaction Type	Mortgage
Record Updated	Apr 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	414 DUSTY TRL, TOCCOA, GA 30577

Mortgage

Document Number	0000000556/0000000745
Date	Feb 22, 2024
Book Page	0000000556/0000000745

Lender

Name	SOUTHSTATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	36 Months
Due	Jan 1, 2027

Tax Assessment & Valuation

The 2025 property tax bill for 414 Dusty Trl was $1,563 with a homeowner's exemption, down 2.9% from the year before.

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

Property Jurisdictions

Type	Name
State	Georgia
County	Banks County
Unified School District	Banks County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,563.00 (-2.92%) Homeowner's exemption	$114,126 (+5.96%) Land $38,552 Building $75,574	$285,313 (+5.96%) Land $96,379 Building $188,934
2024	$1,610.00 (+61.65%) Homeowner's exemption	$107,703 (+16.11%) Land $35,047 Building $72,656	$269,257 (+16.11%) Land $87,617 Building $181,640
2023	$996.00 (-18.02%) Homeowner's exemption	$92,757 (+19.82%) Land $34,613 Building $58,144	$231,892 (+19.82%) Land $86,533 Building $145,359
2022	$1,215.00 Homeowner's exemption	$77,415 Land $27,081 Building $50,334	$193,536 Land $67,702 Building $125,834

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 414 Dusty Trl 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 December 17, 2010 · 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 414 Dusty Trl is low, with a 0.05% 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	0.05% 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, as of December 31, 2025

Cell Coverage

4G LTE only, no 5G reported

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