451 Andrews Rd, Toccoa, GA 30577 Property Records

Stephens County property record for 451 Andrews Rd, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,120 sqft · built 1969
Lot Size	0.339 acres (14,810 sqft)
Owner	2 Individual Names on File
Last Sale	$69,150 (Jun 2003)
Tax Bill	$1,557 (2025)
Deeds & Mortgages	Aug 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`032B 020`

Property Details

APN / Parcel Number

Primary APN	`032B 020`
Alternative APN	`732350`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,120 sqft Heated Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1978
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,810 sqft (0.339 acres)
Terrain	Gentle Slope
Garage Type	Carport
Carport	Carport
Carport Area	228 sqft
Porch	Porch
Porch Area	55 sqft
Utility Building	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric
Water Source	Commercial

Location & Zoning

Account Number	732350
Old Parcel Number	032B 020
Street Address	451 ANDREWS RD
City	TOCCOA
State	GA
Zip	30577-6122
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-IA
Legal Description	LOT 218 MEADOWBROOK S/D
Legal Subdivision	MEADOWBROOK
Legal Lot Number	218
Jurisdiction	STEPHENS GA
Township / Civil Division	TOCCOA
Census Block Group	2
Census Block	2024
Census Tract	970302

Owner

Source: Stephens County assessment roll, APN 032B 020, as of 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	451 ANDREWS RD, TOCCOA, GA 30577-6122
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 16, 2003 · Amount on Record
Deed Sale	Jun 16, 2003 · Amount on Record
Deed Document Number	0000610116
Record Updated	Jun 08, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	451 ANDREWS RD, TOCCOA, GA 30577-6122
Document Number	0011870494
Instrument Date	Aug 29, 2019
Transaction Type	Mortgage
Record Updated	Sep 11, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	451 ANDREWS RD TOCCOA GA 305776122, TOCCOA, GA 30577-6122

Mortgage

Document Number	0011870494
Date	Sep 04, 2019
Book Page	001187/000494

Lender

Name	OCONEE FED'L S&L ASSN
Type	Federal Savings Bank
Address	SENECA, SC 29678

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 03, 2039

Tax Assessment & Valuation

Source: Stephens County assessment roll as of July 1, 2025 · Last verified March 2026

Property Jurisdictions

Type	Name
State	Georgia
County	Stephens County
Municipality	Toccoa City
Unified School District	Stephens County School District (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,557.00 (+60.02%)	$44,640 (+62.12%) Land $2,268 Building $42,372	$111,601 (+62.11%) Land $5,671 Building $105,930
2023	$973.00 (+5.65%)	$27,536 (+5.64%) Land $2,268 Building $25,268	$68,842 (+5.64%) Land $5,671 Building $63,171
2022	$921.00	$26,066 Land $2,268 Building $23,798	$65,167 Land $5,671 Building $59,496

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Stephens County (13257C), as of September 26, 2008 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 132579703022, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (1999)
Most Recent Claim	Oct 1999 · rainfall accumulation

Wildfire

Wildfire Risk	Moderate above 44% of the US · above 42% of Georgia
Wildfire Likelihood	0.08% 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.

Internet Providers

Source: FCC Broadband Data Collection, 183 locations within half a mile, as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
TruVista Communications Fiber · Cable in parts of the area	5,000 / 5,000
Verizon Fixed Wireless	300 / 20
Uniti Group DSL · Fiber in parts of the area	200 / 20

Drinking Water

Source: EPA Safe Drinking Water Information System, water system GA2570001, 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

Violations Reported to EPA

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.