476 W Franklin St, Toccoa, GA 30577 Property Records

Stephens County property record for 476 W Franklin St, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 900 sqft · built 1931
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on File
Last Sale	$170,000 (Dec 2025)
Tax Bill	$573 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T11 122`

Property Details

APN / Parcel Number

Primary APN	`T11 122`
Alternative APN	`621600`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	900 sqft Heated Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1931
Effective Year Built	Effective 1970
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	4,356 sqft (0.1 acres)
Terrain	Rolling
Porch	Porch
Porch Area	168 sqft
Canopy	320 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	621600
Street Address	476 W FRANKLIN ST
City	TOCCOA
State	GA
Zip	30577-3535
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B-II
Legal Description	LOTS 23 & 24 BLK 81 M T RAWLINS S/D
Legal Subdivision	M T RAWLINS
Legal Block	81
Legal Lot Number	25+ 26
Jurisdiction	STEPHENS GA
Township / Civil Division	TOCCOA
Census Block Group	1
Census Block	1003
Census Tract	970301

Owner

476 W Franklin St is owned and occupied by an individual who bought it in December 2025.

Source: Stephens County records, as of March 11, 2026

Owner of Record	Individual Name on File
Mailing Address	476 W FRANKLIN ST, TOCCOA, GA 30577-3535
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 2025 · Amount on File
Deed Sale	Dec 1, 2025 · Amount on File
Prior Sale	May 13, 2024 · Amount on File
Deed Document Number	0001431289
Deed Book / Page	1431 / 289
Record Updated	Jun 8, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Dec 1, 2025
Property Address	476 W FRANKLIN ST, TOCCOA, GA 30577-3535
Document Number	0014310289
Book / Page	1431 / 289
Instrument Date	Dec 1, 2025
Transaction Type	Transfer
Record Updated	Feb 18, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1.70
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	476 W FRANKLIN ST, TOCCOA, GA 30577-3535

Mortgage

Document Number	2025003683
Date	Dec 1, 2025
Instrument	2025003683

Lender

Name	AMERICAN PACIFIC MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	349 Months
Due	Jan 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 476 W Franklin St was $573, up 40.8% from the year before.

Source: Stephens County assessment roll, as of July 1, 2025

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$573.00 (+40.79%)	$16,433 (+43.88%) Land $546 Building $15,887	$41,082 (+43.88%) Land $1,365 Building $39,717
2024	$407.00 (+8.24%)	$11,421 (+7.19%) Land $546 Building $10,875	$28,552 (+7.19%) Land $1,365 Building $27,187
2023	$376.00 (+27.03%)	$10,655 (+27.19%) Land $546 Building $10,109	$26,638 (+27.19%) Land $1,365 Building $25,273
2022	$296.00	$8,377 Land $546 Building $7,831	$20,943 Land $1,365 Building $19,578

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 476 W Franklin St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 26, 2008

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 476 W Franklin St is low, with a 0.02% 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	0.02% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

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, 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 186 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
Starlink Satellite	280 / 30

May also be available: Windstream.

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