Stephens County property record for 45 Flagstone Ln, Toccoa, GA 30577
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,601 sqft · built 2019 |
| Lot Size | 0.86 acres (37,462 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $25,000 (Apr 2019) |
| Tax Bill | $6,874 (2025) |
| Deeds & Mortgages | Jun 2024 Second Mortgage Apr 2020 Loan Modification + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 042E 070 |
| Primary APN | 042E 070 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,601 sqft Heated Area |
| Attic Area | 647 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2019 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 37,462 sqft (0.86 acres) |
| Garage Area | 647 sqft |
| Porch | Porch |
| Porch Area | 395 sqft |
| Patio Area | 45 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Electric |
| Account Number | 990954 |
|---|---|
| Street Address | 45 FLAGSTONE LN |
| City | TOCCOA |
| State | GA |
| Zip | 30577-8007 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-IA |
| Legal Description | LOT 18 AYERS CREEK S/D |
| Legal Subdivision | AYERS CREEK |
| Legal Lot Number | 18 |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | TOCCOA |
| Census Block Group | 4 |
| Census Block | 4020 |
| Census Tract | 970102 |
Source: Stephens County records · APN 042E 070
Assessment roll updated 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 | 45 FLAGSTONE LN, TOCCOA, GA 30577-8007 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 18, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQUITY |
| Apr 10, 2020 | Loan Modification, Mortgage AMERIS BK |
| Sep 17, 2019 | Deed of Trust, Mortgage · Line of Credit AMERIS BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 24, 2019 · Amount on Record |
| Deed Sale | Apr 24, 2019 · Amount on Record |
| Deed Document Number | 0001176241 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 45 FLAGSTONE LN, TOCCOA, GA 30577-8007 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2025 |
| Name | Verified Name |
|---|---|
| Address | 45 FLAGSTONE LN, TOCCOA, GA 30577-8007 |
| Document Number | 0013700000000302 |
|---|---|
| Date | Jun 18, 2024 |
| Book Page | 0000001370/0000000302 |
| Name | SPRING EQUITY |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2054 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 45 FLAGSTONE LN, TOCCOA, GA 30577-8007 |
| Document Number | 0012070086 |
| Instrument Date | Apr 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 19, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 45 FLAGSTONE LN TOCCOA GA 30577, TOCCOA, GA 30577 |
| Document Number | 0012070086 |
|---|---|
| Date | Apr 14, 2020 |
| Book Page | 001207/000086 |
| Name | AMERIS BK |
|---|---|
| Type | Bank |
| Address | MARIETTA, GA 30067 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Apr 13, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.37% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 45 FLAGSTONE LN, TOCCOA, GA 30577-8007 |
| Document Number | 0011890185 |
| Instrument Date | Sep 17, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 19, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 45 FLAGSTONE LN TOCCOA GA 30577, TOCCOA, GA 30577 |
| Document Number | 0011890185 |
|---|---|
| Date | Sep 18, 2019 |
| Book Page | 001189/000185 |
| Name | AMERIS BK |
|---|---|
| Type | Bank |
| Address | MARIETTA, GA 30067 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 17, 2049 |
| Rate Type | Adjustable Rate |
|---|
Source: Stephens County records · Assessment roll updated July 1, 2025 · Last verified March 2026
| Type | Name |
|---|---|
| State | Georgia |
| County | Stephens County |
| Municipality | Toccoa City |
| Unified School District | Stephens County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,874.00 (+60.49%) | $197,034 (+62.71%) Land $10,116 Building $186,918 | $492,585 (+62.71%) Land $25,289 Building $467,296 |
| 2023 | $4,283.00 (+7.16%) | $121,098 (+7.14%) Land $10,116 Building $110,982 | $302,744 (+7.14%) Land $25,289 Building $277,455 |
| 2022 | $3,997.00 | $113,026 Land $10,116 Building $102,910 | $282,563 Land $25,289 Building $257,274 |
Source: FEMA National Flood Hazard Layer as of September 26, 2008 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 | 3 in force |
| Wildfire Risk | Moderate above 46% of the US · above 49% of Georgia |
|---|---|
| Wildfire Likelihood | 0.09% 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.
Source: FCC Broadband Data Collection 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 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Point Broadband Fiber Holding, Uniti Group.
Based on FCC filings for 81 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System 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 |
| 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.
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