478 S Broad St, Toccoa, GA 30577 Property Records

Stephens County property record for 478 S Broad St, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,419 sqft · built 1983
Lot Size	0.989 acres (43,124 sqft)
Owner	Individual Name on File
Last Sale	$88,500 (Nov 2017)
Tax Bill	$1,884 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Nov 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T12 129`

Property Details

APN / Parcel Number

Primary APN	`T12 129`
Alternative APN	`635750`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,419 sqft Heated Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1989
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Raised
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	43,124 sqft (0.989 acres)
Terrain	Gentle Slope
Garage Type	Carport
Carport	Carport
Carport Area	360 sqft
Porch	Porch
Porch Area	28 sqft
Utility Building	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	635750
Street Address	478 S BROAD ST
City	TOCCOA
State	GA
Zip	30577-2624
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-II
Legal Description	S BROAD ST LOT
Legal Subdivision	EDWARDS SUB
Jurisdiction	STEPHENS GA
Township / Civil Division	TOCCOA
Census Block Group	1
Census Block	1035
Census Tract	970301

Owner

478 S Broad St is owned and occupied by an individual who acquired it in November 2017.

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

Owner of Record	Individual Name on File
Mailing Address	478 S BROAD ST, TOCCOA, GA 30577-2624
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

Date	Document
Jul 25, 2022	Deed of Trust, Mortgage · VA Mortgage UNITED TRUST BANK
Nov 13, 2017	Grant Deed, Transfer · VA Mortgage HOMESTAR FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 9, 2017 · Amount on File
Deed Sale	Nov 9, 2017 · Amount on File
Deed Document Number	0001135463
Deed Book / Page	1135 / 463
Last Transfer Date	Nov 13, 2017
Transfer Doc	0011350463
Record Updated	Jun 8, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	478 S BROAD ST, TOCCOA, GA 30577-2624
Transaction Type	Mortgage
Record Updated	Aug 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	478 S BROAD ST, TOCCOA, GA 30577-2624

Mortgage

Document Number	0013050000000048
Date	Jul 25, 2022
Book Page	0000001305/0000000048
Instrument	001227

Lender

Name	UNITED TRUST BANK

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STEPHENS GA
Recording Date	Nov 13, 2017
Property Address	478 S BROAD ST, TOCCOA, GA 30577-2624
Document Number	0011350463
Book / Page	001135 / 000463
Instrument Date	Nov 9, 2017
Transaction Type	Transfer
Record Updated	Jan 11, 2019
Title Company	OTHER

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$88.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	478 S BROAD ST TOCCOA GA 305772624, TOCCOA, GA 30577-2624

Mortgage

Document Number	11350466
Date	Nov 13, 2017
Book Page	001135/000466

Lender

Name	HOMESTAR FIN'L
Type	Funding / Finance Company
Address	GAINESVILLE, GA 30501

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 12, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 478 S Broad St was $1,884 with a homeowner's exemption.

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	$1,884.00 Homeowner's exemption	$66,290 Land $2,848 Building $63,442	$165,724 Land $7,119 Building $158,605
2023	$1,368.00 (+1.56%) Homeowner's exemption	$40,384 (+6.03%) Land $2,848 Building $37,536	$100,959 (+6.03%) Land $7,119 Building $93,840
2022	$1,347.00 Homeowner's exemption	$38,088 Land $2,848 Building $35,240	$95,220 Land $7,119 Building $88,101

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.

Flood

FEMA maps place 478 S Broad 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 478 S Broad St is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · lower than 88% of Georgia
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 97 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TruVista Communications Cable	500 / 50
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Windstream, Xfinity.

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