Stephens County property record for 474 Watson St, Toccoa, GA 30577 · Last verified March 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2006 |
| Square Footage | 1,702 sqft Heated Area |
| Lot Size | 40,075 sqft (0.919 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $170,000 (2020) |
| Tax Bill | $3,336.00 (2025) |
| Primary APN | T08 063 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 5 Rooms |
| Building Area | 1,702 sqft Heated Area |
| Stories | 1 Stories |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Ranch Style |
| Exterior Material | Brick Exterior |
| Construction Type | Frame Construction |
| Foundation Type | Raised Foundation |
| Roof Construction | Gable Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 40,075 sqft (0.919 acres) |
| Deck Area | 128 sqft Deck |
|---|---|
| Patio Area | 272 sqft Patio |
| Porch | Porch |
| Porch Area | 32 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating Fuel | Electric Heating Fuel |
| Account Number | 488825 |
|---|---|
| Street Address | 474 WATSON ST |
| City | TOCCOA |
| State | GA |
| Zip | 30577-1600 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 4 WATSON ST |
| Legal Subdivision | WEST & HAYES LLP SURV |
| Legal Lot Number | 4 |
| Jurisdiction | STEPHENS GA |
| Minor Civil Division | TOCCOA |
| Census Blockgroup | 2 |
| Census Block | 2033 |
| Census Tract | 970101 |
Source: Stephens County records · APN T08 063
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 | 474 WATSON ST, TOCCOA, GA 30577-1600 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Sep 25, 2020 | Grant Deed, Transfer · Federal Housing Administration (FHA) Mortgage HOMESTAR FIN'L |
| Sep 18, 2017 | Grant Deed, Transfer · Federal Housing Administration (FHA) Mortgage QUICKEN LNS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 23, 2020 · Amount on Record |
| Deed Sale | Sep 23, 2020 · Amount on Record |
| Prior Sale | Sep 15, 2017 · Amount on Record |
| Deed Doc Number | 0001223453 |
| Deed Book / Page | 1223 / 453 |
| Last Transfer Date | Sep 25, 2020 |
| Transfer Doc | 0012230453 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Sep 25, 2020 |
| Property Address | 474 WATSON ST, TOCCOA, GA 30577-1600 |
| Document Number | 0012230453 |
| Book / Page | 001223 / 000453 |
| Instrument Date | Sep 23, 2020 |
| Transaction Type | Transfer |
| Record Updated | Oct 13, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $170.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 474 WATSON ST TOCCOA GA 305771600, TOCCOA, GA 30577-1600 |
| Document Number | 12230455 |
|---|---|
| Date | Sep 25, 2020 |
| Book Page | 001223/000455 |
| Name | HOMESTAR FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | GAINESVILLE, GA 30501 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 24, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Sep 18, 2017 |
| Property Address | 474 WATSON ST, TOCCOA, GA 30577-1600 |
| Document Number | 0011310424 |
| Book / Page | 001131 / 000424 |
| Instrument Date | Sep 15, 2017 |
| Transaction Type | Transfer |
| Record Updated | Nov 29, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $143.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 474 WATSON ST TOCCOA GA 305771600, TOCCOA, GA 30577-1600 |
| Document Number | 11310426 |
|---|---|
| Date | Sep 18, 2017 |
| Book Page | 001131/000426 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 17, 2047 |
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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,336.00 (+63.53%) | $95,627 (+65.78%) Land $3,700 Building $91,927 | $239,068 (+65.78%) Land $9,251 Building $229,817 |
| 2023 | $2,040.00 (+6.64%) | $57,683 (+6.63%) Land $3,700 Building $53,983 | $144,209 (+6.63%) Land $9,251 Building $134,958 |
| 2022 | $1,913.00 | $54,095 Land $3,700 Building $50,395 | $135,238 Land $9,251 Building $125,987 |
474 Watson St is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Moderate risk).
Source: FEMA National Flood Hazard Layer · Stephens County (13257C), updated September 26, 2008
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Moderate 47th percentile of exposed land nationally · 54th in Georgia |
|---|---|
| Wildfire Likelihood | Moderate — about 1 in 1,075 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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