Stephens County property record for 45 Hayes St, Toccoa, GA 30577
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,505 sqft · built 1948 |
| Lot Size | 0.79 acres (34,412 sqft) |
| Owner | Individual Name on File |
| Last Sale | $180,000 (May 2026) |
| Tax Bill | $2,638 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage Jun 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T27 042 |
| Primary APN | T27 042 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 2,505 sqft Heated Area |
| Basement Area | 1,514 sqft |
| Unfinished Basement | 1,514 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 34,412 sqft (0.79 acres) |
| Terrain | Gentle Slope |
| Garage Area | 1,320 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 264 sqft |
| Deck Area | 320 sqft |
| Patio Area | 336 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 674100 |
|---|---|
| Street Address | 45 HAYES ST |
| City | TOCCOA |
| State | GA |
| Zip | 30577-2695 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-IA |
| Legal Description | PT LOTS 6 &7 BLK C & PT LOT 1 BLK D HAYES S/D |
| Legal Subdivision | HAYES S/D |
| Legal Block | C,D |
| Legal Lot Number | 1,6,7 |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | TOCCOA |
| Census Block Group | 2 |
| Census Block | 2048 |
| Census Tract | 970102 |
45 Hayes St is owned by an individual who bought it in May 2026.
Source: Stephens County records, as of July 22, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 461 SKYLINE DR, TOCCOA, GA 30577-3851 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 13, 2026 | Warranty Deed, Transfer · Stand-Alone First Mortgage HOMETOWN EQUITY MORTGAGE |
| Jun 30, 2022 | Deed of Trust, Mortgage PRICE FINANCING |
| Aug 14, 2020 | Deed of Trust, Mortgage SEAN CAIN |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 13, 2026 · Amount on File |
| Deed Sale | May 13, 2026 · Amount on File |
| Prior Sale | Jun 30, 2003 · Amount on File |
| Deed Book / Page | 1450 / 72 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | May 13, 2026 |
| Property Address | 45 HAYES ST, TOCCOA, GA 30577-2695 |
| Document Number | 1450000072 |
| Book / Page | 1450 / 72 |
| Instrument Date | May 11, 2026 |
| Transaction Type | Transfer |
| Record Updated | Jul 20, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 461 SKYLINE DR, TOCCOA, GA 30577-3851 |
| Document Number | 1450000073, |
|---|---|
| Date | May 13, 2026 |
| Book Page | 1450/73 |
| Name | HOMETOWN EQUITY MORTGAGE |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 45 HAYES ST, TOCCOA, GA 30577-2695 |
| Transaction Type | Mortgage |
| Record Updated | Feb 3, 2026 |
| Name | Verified Name |
|---|---|
| Address | 45 HAYES ST, TOCCOA, GA 30577-2695 |
| Document Number | 0013020000000292 |
|---|---|
| Date | Jun 30, 2022 |
| Book Page | 0000001302/0000000292 |
| Instrument | 001085 |
| Name | PRICE FINANCING |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 36 Months |
| Due | Jan 1, 2025 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 45 HAYES ST, TOCCOA, GA 30577-2695 |
| Document Number | 0012210377 |
| Instrument Date | Aug 14, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 24, 2020 |
| Title Company | ATTORNEY ONLY |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Address | 45 HAYES ST TOCCOA GA 305772695, TOCCOA, GA 30577-2695 |
| Document Number | 0012210377 |
|---|---|
| Date | Sep 2, 2020 |
| Book Page | 001221/000377 |
| Name | SEAN CAIN |
|---|
| Term | 36 Months |
|---|---|
| Due | Sep 1, 2023 |
The 2025 property tax bill for 45 Hayes St was $2,638.
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 | $2,638.00 | $75,619 Land $4,504 Building $71,115 | $189,049 Land $11,261 Building $177,788 |
| 2023 | $1,921.00 (+20.67%) | $54,314 (+20.62%) Land $4,504 Building $49,810 | $135,785 (+20.62%) Land $11,261 Building $124,524 |
| 2022 | $1,592.00 | $45,028 Land $4,504 Building $40,524 | $112,571 Land $11,261 Building $101,310 |
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.
FEMA maps place 45 Hayes St in Zone X, an area of minimal flood risk.
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 | 2 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 risk around 45 Hayes St is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 94% of Georgia |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 235 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 |
| Point Broadband Fiber | 1,000 / 1,000 |
| TruVista Communications Cable | 500 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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