43 Cottage Ln, Toccoa, GA 30577 Property Records

Stephens County property record for 43 Cottage Ln, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,838 sqft · built 2005
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Company Names on Record
Tax Bill	$9,130 (2025)
Deeds & Mortgages	Jan 2026 Transfer Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`057 117`

Property Details

APN / Parcel Number

Primary APN	`057 117`
Alternative APN	`280296`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	4,838 sqft Heated Area
Basement Area	1,664 sqft
Finished Basement	1,664 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Fiber Cement Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	12,632 sqft (0.29 acres)
Garage Area	441 sqft

Exterior Amenities

Porch	Slab
Porch Area	984 sqft
Deck Area	90 sqft
Patio Area	366 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	280296
Street Address	43 COTTAGE LN
City	TOCCOA
State	GA
Zip	30577-2541
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 2 SEC Y PHSE 1 CURRAHEE CLUB
Legal Subdivision	CURRAHEE CLUB
Legal Phase	1
Legal Lot Number	2
Jurisdiction	STEPHENS GA
Township / Civil Division	ROCK CREEK
Census Block Group	4
Census Block	4013
Census Tract	970202

Owner

Source: Stephens County records, as of March 25, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	809 WELLESLEY DR NW, ATLANTA, GA 30305-3920
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jan 23, 2026	Quit Claim Deed, Transfer Quitclaim
Sep 13, 2017	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 23, 2026
Deed Sale	Jan 23, 2026
Prior Sale	Sep 8, 2017 · Amount on Record
Deed Book / Page	1437 / 96
Prior Transfer Date	Jan 21, 2026
Prior Transfer Doc	0014370096
Record Updated	Jun 8, 2026

January 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STEPHENS GA
Recording Date	Jan 23, 2026
Property Address	43 COTTAGE LN, TOCCOA, GA 30577-2541
Document Number	0014370096
Book / Page	1437 / 96
Instrument Date	Jan 21, 2026
Transaction Type	Transfer
Record Updated	Mar 23, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	809 WELLESLEY DR NW, ATLANTA, GA 30305-3920

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STEPHENS GA
Recording Date	Sep 13, 2017
Property Address	43 COTTAGE LN, TOCCOA, GA 30577-2541
Document Number	0011310086
Book / Page	001131 / 000086
Instrument Date	Sep 8, 2017
Transaction Type	Transfer
Record Updated	Nov 29, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$519.00
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	43 COTTAGE LN TOCCOA GA 305772541, TOCCOA, GA 30577-2541

Mortgage

Document Number	11310091
Date	Sep 13, 2017
Book Page	001131/000091

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 12, 2047

Tax Assessment & Valuation

Source: Stephens County assessment roll, as of March 12, 2026

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	$9,130.00 (+51.06%)	$332,629 (+63.83%) Land $15,200 Building $317,429	$831,573 (+63.83%) Land $38,000 Building $793,573
2023	$6,044.00 (+5.08%)	$203,030 (+5.06%) Land $15,200 Building $187,830	$507,574 (+5.06%) Land $38,000 Building $469,574
2022	$5,752.00	$193,244 Land $15,200 Building $178,044	$483,109 Land $38,000 Building $445,109

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

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
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

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

Wildfire Risk	Moderate above 45% of the US · above 47% 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 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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