Stephens County property record for 46 Cedar Rdg Dr, Toccoa, GA 30577
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,536 sqft · built 1993 |
| Lot Size | 1.37 acres (59,677 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $393,000 (Apr 2026) |
| Tax Bill | $1,148 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage Feb 2018 Mortgage |
| Flood Zone | Zone A (high risk) |
| APN | 051A 037 |
| Primary APN | 051A 037 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,536 sqft Heated Area |
| Basement Area | 1,071 sqft |
| Unfinished Basement | 1,071 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Cape Cod |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 59,677 sqft (1.37 acres) |
| Garage Area | 1,284 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 200 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 323 sqft |
| Deck Area | 120 sqft |
| Patio Area | 1,328 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Electric |
| Account Number | 342953 |
|---|---|
| Street Address | 46 CEDAR RIDGE DR |
| City | TOCCOA |
| State | GA |
| Zip | 30577-8688 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS |
| Legal Description | LOT 3 CEDAR RIDGE S/D |
| Legal Subdivision | CEDAR RIDGE |
| Legal Lot Number | 3 |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | ROCK CREEK |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 970202 |
Source: Stephens County records, as of June 8, 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 | 46 CEDAR RIDGE DR, TOCCOA, GA 30577-8688 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 1, 2026 | Warranty Deed, Transfer · FHA Mortgage VANDERBILT MORTGAGE |
| Feb 26, 2018 | Deed of Trust, Mortgage · Conventional Mortgage DOCO CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 1, 2026 · Amount on Record |
| Deed Sale | Apr 1, 2026 · Amount on Record |
| Prior Sale | Nov 1, 1993 · Amount on Record |
| Deed Document Number | 2026870 |
| Deed Book / Page | 1444 / 292 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Apr 1, 2026 |
| Property Address | 46 CEDAR RIDGE DR, TOCCOA, GA 30577-8688 |
| Document Number | 0014440292 |
| Book / Page | 1444 / 292 |
| Instrument Date | Mar 24, 2026 |
| Instrument | 2026870 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 46 CEDAR RIDGE DR, TOCCOA, GA 30577-8688 |
| Document Number | 0000000087, |
|---|---|
| Date | Apr 1, 2026 |
| Book Page | 1444/294 |
| Instrument | 202687 |
| Name | VANDERBILT MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2056 |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 46 CEDAR DR, TOCCOA, GA 30577 |
| Document Number | 0011430370 |
| Instrument Date | Feb 26, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 15, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Document Number | 0011430370 |
|---|---|
| Date | Mar 2, 2018 |
| Book Page | 001143/000370 |
| Name | DOCO CU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, GA 31708-1389 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 1, 2033 |
Source: Stephens County assessment roll, as of March 12, 2026
| Type | Name |
|---|---|
| State | Georgia |
| County | Stephens County |
| Unified School District | Stephens County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,148.00 (+17.38%) Homeowner's exemption Senior Citizen's exemption | $90,657 (+51.39%) Land $4,807 Building $85,850 | $226,642 (+51.39%) Land $12,018 Building $214,624 |
| 2023 | $978.00 (-42.74%) Homeowner's exemption | $59,882 (+4.32%) Land $4,686 Building $55,196 | $149,705 (+4.32%) Land $11,715 Building $137,990 |
| 2022 | $1,708.00 Homeowner's exemption | $57,400 Land $4,686 Building $52,714 | $143,499 Land $11,715 Building $131,784 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective September 26, 2008
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
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 47% of the US · above 53% of Georgia |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
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 61 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| TruVista Communications Cable · Fiber in parts of the area | 500 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Windstream DSL | 200 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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