Stephens County property record for 474 S Pond St, Toccoa, GA 30577
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,068 sqft · built 1917 |
| Lot Size | 0.4 acres (17,424 sqft) |
| Owner | Owner Name on Record |
| Last Sale | $30,000 (Jan 2009) |
| Tax Bill | $896 (2025) |
| Deeds & Mortgages | Sep 2020 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | T20 163 |
| Primary APN | T20 163 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,068 sqft Heated Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1917 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 17,424 sqft (0.4 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Carport Area | 575 sqft |
| Porch | Porch |
| Porch Area | 140 sqft |
| Patio Area | 220 sqft |
| Cooling System | Central |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 644750 |
|---|---|
| Street Address | 474 S POND ST |
| City | TOCCOA |
| State | GA |
| Zip | 30577-2902 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-III |
| Legal Description | PT LOT 3 WHITMIRE S/D |
| Legal Subdivision | WHITMIRE S/D |
| Legal Lot Number | 3 |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | TOCCOA |
| Census Block Group | 4 |
| Census Block | 4048 |
| Census Tract | 970301 |
Source: Stephens County records, as of March 11, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Owner Name on Record |
|---|---|
| Mailing Address | 336 GARRISON RD, CORNELIA, GA 30531-4926 |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 8, 2009 · Amount on Record |
| Deed Sale | Jan 8, 2009 · Amount on Record |
| Prior Sale | Dec 31, 2008 · Amount on Record |
| Deed Document Number | 0000882321 |
| Deed Book / Page | 882 / 321 |
| Last Transfer Date | Jan 15, 2009 |
| Transfer Doc | 0008820321 |
| Record Updated | Jun 8, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 474 S POND ST, TOCCOA, GA 30577-2902 |
| Document Number | 0012240046 |
| Instrument Date | Sep 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 9, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 336 GARRISON RD CORNELIA GA 305314926, CORNELIA, GA 30531-4926 |
| Document Number | 0012240046 |
|---|---|
| Date | Sep 28, 2020 |
| Book Page | 001224/000046 |
| Name | PINNACLE BK |
|---|---|
| Type | Bank |
| Address | ELBERTON, GA 30635 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Sep 27, 2025 |
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 | $896.00 (+23.76%) | $25,696 (+25.37%) Land $1,629 Building $24,067 | $64,240 (+25.37%) Land $4,072 Building $60,168 |
| 2023 | $724.00 (-3.6%) | $20,496 (-3.54%) Land $1,629 Building $18,867 | $51,239 (-3.54%) Land $4,072 Building $47,167 |
| 2022 | $751.00 | $21,249 Land $1,629 Building $19,620 | $53,121 Land $4,072 Building $49,049 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 5 in force |
| Nearby Flood Claims | 1 (2009) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2009 · Severe Storms And Flooding |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 87% of Georgia |
|---|---|
| Wildfire Likelihood | 0.04% 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 247 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 |
| TruVista Communications Cable | 500 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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