416 Watson St, Toccoa, GA 30577 Property Records

Stephens County property record for 416 Watson St, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,320 sqft · built 2006
Lot Size	2.11 acres (92,347 sqft)
Owner	2 Individual Names on File
Last Sale	$156,000 (Jun 2019)
Tax Bill	$1,822 (2025)
Deeds & Mortgages	Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T09 033`

Property Details

APN / Parcel Number

Primary APN	`T09 033`
Alternative APN	`488822`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,320 sqft Heated Area
Basement Area	1,320 sqft
Unfinished Basement	1,320 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2011
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	92,347 sqft (2.11 acres)
Garage Area	550 sqft

Exterior Amenities

Porch	Porch
Porch Area	492 sqft
Deck Area	112 sqft
Patio Area	252 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	488822
Street Address	416 WATSON ST
City	TOCCOA
State	GA
Zip	30577-1600
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-IA
Legal Description	LOTS 1 & 2 PARK VIEW S/D
Legal Subdivision	PARK VIEW
Legal Lot Number	1,2 2
Jurisdiction	STEPHENS GA
Township / Civil Division	TOCCOA
Census Block Group	2
Census Block	2033
Census Tract	970101

Owner

Source: Stephens County assessment roll, APN T09 033, as of July 1, 2025 · Last verified March 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	416 WATSON ST, TOCCOA, GA 30577-1600
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 27, 2019 · Amount on Record
Deed Sale	Jun 27, 2019 · Amount on Record
Prior Sale	Apr 23, 2015 · Amount on Record
Deed Document Number	0001182376
Deed Book / Page	1182 / 376
Last Transfer Date	Jul 03, 2019
Transfer Doc	0011820376
Record Updated	Jun 08, 2026

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STEPHENS GA
Recording Date	Jul 03, 2019
Property Address	416 WATSON ST, TOCCOA, GA 30577-1600
Document Number	0011820376
Book / Page	001182 / 000376
Instrument Date	Jun 27, 2019
Transaction Type	Transfer
Record Updated	Jul 19, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$156.00
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	416 WATSON ST TOCCOA GA 305771600, TOCCOA, GA 30577-1600

Mortgage

Document Number	11820378
Date	Jul 03, 2019
Book Page	001182/000378

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 02, 2049

Tax Assessment & Valuation

Source: Stephens County assessment roll as of July 1, 2025 · Last verified March 2026

Property Jurisdictions

Type	Name
State	Georgia
County	Stephens County
Municipality	Toccoa City
Unified School District	Stephens County School District (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,822.00 (+52.47%) Homeowner's exemption Senior Citizen's exemption	$95,332 (+50.94%) Land $3,316 Building $92,016	$238,330 (+50.94%) Land $8,290 Building $230,040
2023	$1,195.00 (-43.98%) Homeowner's exemption	$63,157 (+4.71%) Land $3,316 Building $59,841	$157,892 (+4.71%) Land $8,290 Building $149,602
2022	$2,133.00 Homeowner's exemption	$60,318 Land $3,316 Building $57,002	$150,795 Land $8,290 Building $142,505

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Stephens County (13257C), as of September 26, 2008 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 132579701012, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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	6 in force

Wildfire

Wildfire Risk	Moderate above 54% of the US · above 77% of Georgia
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, 84 locations within half a mile, as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
TruVista Communications Cable · Fiber in parts of the area	500 / 50

May also be available: Uniti Group.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system GA2570001, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	TOCCOA serves 28,711 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.