Stephens County property record for 44 Elm Dr, Toccoa, GA 30577
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,526 sqft · built 1970 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | Individual Name on File |
| Last Sale | $226,000 (Dec 2023) |
| Tax Bill | $4,647 (2025) |
| Deeds & Mortgages | Mar 2023 Mortgage Dec 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T25 095 |
| Primary APN | T25 095 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,526 sqft Heated Area |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Raised |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 20,038 sqft (0.46 acres) |
| Terrain | Gentle Slope |
| Garage Type | Carport |
| Carport | Carport |
| Carport Area | 216 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 72 sqft |
| Deck Area | 216 sqft |
| Patio Area | 216 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 686400 |
|---|---|
| Street Address | 44 ELM DR |
| City | TOCCOA |
| State | GA |
| Zip | 30577-3200 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-IA |
| Legal Description | LOT 17 PINE VALLEY EXT S/D |
| Legal Subdivision | PINE VALLEY |
| Legal Lot Number | 17 |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | TOCCOA |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 970102 |
Source: Stephens County assessment roll, as of July 1, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 44 ELM DR, TOCCOA, GA 30577-3200 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 17, 2023 | Deed of Trust, Mortgage · Closed-End Mortgage NORTHEAST GEORGIA BANK |
| Dec 22, 2023 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE |
| Sep 19, 2019 | Deed of Trust, Mortgage · Line of Credit NORTHEAST GA BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 22, 2023 · Amount on Record |
| Deed Sale | Dec 22, 2023 · Amount on Record |
| Deed Document Number | 2023001871 |
| Deed Book / Page | 1352 / 375 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 44 ELM DR, TOCCOA, GA 30577-3200 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2025 |
| Name | Verified Name |
|---|---|
| Address | 44 ELM DR, TOCCOA, GA 30577-3200 |
| Document Number | 0013240000000323 |
|---|---|
| Date | Mar 17, 2023 |
| Book Page | 0000001324/0000000323 |
| Name | NORTHEAST GEORGIA BANK |
|---|
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Jan 1, 2028 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Dec 22, 2023 |
| Property Address | 44 ELM DR, TOCCOA, GA 30577-3200 |
| Document Number | 0013520375 |
| Book / Page | 1352 / 375 |
| Instrument Date | Dec 21, 2023 |
| Instrument | 2023001871 |
| Transaction Type | Transfer |
| Record Updated | Jan 30, 2024 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 44 ELM DR, TOCCOA, GA 30577-3200 |
| Document Number | 0013520000000453 |
|---|---|
| Date | Dec 22, 2023 |
| Book Page | 0000001352/0000000453 |
| Instrument | 2023001879 |
| Name | UNITED WHOLESALE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 44 ELM DR, TOCCOA, GA 30577-3200 |
| Document Number | 0011900197 |
| Instrument Date | Sep 19, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 44 ELM DR TOCCOA GA 305773200, TOCCOA, GA 30577-3200 |
| Document Number | 0011900197 |
|---|---|
| Date | Sep 30, 2019 |
| Book Page | 001190/000197 |
| Name | NORTHEAST GA BK |
|---|---|
| Type | Bank |
| Address | TOCCOA, GA 30577 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Sep 29, 2024 |
| Rate Type | Adjustable Rate |
|---|
Source: Stephens County assessment roll, as of July 1, 2025
| 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 | $4,647.00 (+379.07%) | $133,200 (+130.91%) Land $3,933 Building $129,267 | $333,001 (+130.91%) Land $9,833 Building $323,168 |
| 2023 | $970.00 (-49.56%) Homeowner's exemption | $57,684 (+6.07%) Land $3,933 Building $53,751 | $144,210 (+6.07%) Land $9,833 Building $134,377 |
| 2022 | $1,923.00 Homeowner's exemption | $54,384 Land $3,933 Building $50,451 | $135,961 Land $9,833 Building $126,128 |
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.
Source: FEMA National Flood Hazard Layer, effective September 26, 2008
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · lower than 65% of Georgia |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 142 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Uniti Group Fiber · DSL in parts of the area | 2,000 / 2,000 |
| TruVista Communications Cable | 500 / 50 |
| AT&T Fixed Wireless | 100 / 20 |
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