Stephens County property record for 44 Bell St, Toccoa, GA 30577
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,188 sqft · built 1988 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,087 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Jul 2026 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T20 036 |
| Primary APN | T20 036 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,188 sqft Heated Area |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 6,534 sqft (0.15 acres) |
| Terrain | Gentle Slope |
| Garage Type | Carport |
| Garage Area | 224 sqft |
| Carport | Carport |
| Carport Area | 224 sqft |
| Porch | Slab |
| Porch Area | 135 sqft |
| Utility Building | 56 sqft |
| Cooling System | None |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 650700 |
|---|---|
| Street Address | 44 BELL ST |
| City | TOCCOA |
| State | GA |
| Zip | 30577-3493 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-II |
| Legal Description | LOT 10 & PT LOT 11 J M CARTER S/D |
| Legal Subdivision | J M CARTER |
| Legal Lot Number | 10 |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | TOCCOA |
| Census Block Group | 4 |
| Census Block | 4054 |
| Census Tract | 970301 |
Source: Stephens County records, as of August 31, 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 Record |
|---|---|
| Mailing Address | 44 BELL ST, TOCCOA, GA 30577-3493 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 20, 2026 | Quit Claim Deed, Transfer · FHA Mortgage STOCKTON MORTGAGE |
| Jul 20, 2026 | Limited Warranty Deed, Transfer |
| Feb 9, 2026 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 20, 2026 |
| Deed Sale | Jul 20, 2026 |
| Prior Sale | Jul 20, 2026 · Amount on Record |
| Deed Document Number | 20262150 |
| Deed Book / Page | 1458 / 359 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Jul 20, 2026 |
| Property Address | 44 BELL ST, TOCCOA, GA 30577-3493 |
| Document Number | 0000002150 |
| Book / Page | 1458 / 359 |
| Instrument Date | Jul 20, 2026 |
| Instrument | 20262150 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 44 BELL ST, TOCCOA, GA 30577-3493 |
| Document Number | 1458000345, |
|---|---|
| Date | Jul 20, 2026 |
| Book Page | 1458/345 |
| Name | STOCKTON MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Jul 20, 2026 |
| Property Address | 44 BELL ST, TOCCOA, GA 30577-3493 |
| Document Number | 0000002148 |
| Book / Page | 1458 / 343 |
| Instrument Date | Jul 20, 2026 |
| Instrument | 20262148 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 44 BELL ST, TOCCOA, GA 30577-3493 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Feb 9, 2026 |
| Property Address | 44 BELL ST, TOCCOA, GA 30577-3493 |
| Document Number | 0014380288 |
| Book / Page | 1438 / 288 |
| Instrument Date | Dec 2, 2025 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 580, OAKWOOD, GA 30566-0010 |
| Investor | Possibly a Property Investor |
Source: Stephens County assessment roll, as of March 12, 2026
| 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 | $2,087.00 (+970.26%) | $59,820 (+71.48%) Land $796 Building $59,024 | $149,549 (+71.48%) Land $1,989 Building $147,560 |
| 2023 | $195.00 Homeowner's exemption | $34,884 Land $796 Building $34,088 | $87,209 Land $1,989 Building $85,220 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 91% of Georgia |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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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