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48 Cliffs Ridge Dr, Toccoa, GA 30577 Property Records

Stephens County property record for 48 Cliffs Ridge Dr, Toccoa, GA 30577 · Last verified June 2026

Property Summary

Property TypeSeasonal / Vacation Home
Details5 bd · 3 ba · 2,575 sqft · built 2005
Lot Size0.22 acres (9,583 sqft)
OwnerIndividual Name on File
Last Sale$500,000 (Mar 2025)
Tax Bill$3,263 (2025)
Deeds & MortgagesMar 2025 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN039B 123

Property Details

APN / Parcel Number

Primary APN039B 123
Alternative APN
  • 374671

Interior

Bedrooms5 Beds
Full Baths3 Baths
Total Rooms4 Rooms
Stories1 Story
Building Area2,575 sqft Heated Area
Basement Area1,189 sqft
Finished Basement1,089 sqft
Unfinished Basement100 sqft
FlooringHardwood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2006
Architectural StyleRanch
Exterior MaterialBrick
Construction TypeFrame
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area9,583 sqft (0.22 acres)
Lot Dimensions100 ft deep x 60 ft wide

Exterior Amenities

PorchSlab
Porch Area375 sqft
Deck Area272 sqft
Patio Area397 sqft
Utility Building160 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Account Number374671
Street Address48 CLIFFS RIDGE DR
CityTOCCOA
StateGA
Zip30577
Property CategoryResidential
Property TypeResidential > Specialized > Seasonal / Vacation Home
Legal DescriptionLOT11 UT2 SEC2 EAST HIGHLANDS OF LAKE HARTWEL
Legal SubdivisionEAST HIGHLANDS OF LAKE HARTWELL
Legal BlockUT 2
Legal Lot Number11
Legal Unit2
JurisdictionSTEPHENS GA
Township / Civil DivisionTOCCOA
Census Block Group1
Census Block1030
Census Tract970102

Owner

Source: Stephens County records · APN 039B 123

Assessment roll updated March 12, 2026 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address40 RIVER BURCH CT, HAMPTON, GA 30228-2869
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMar 25, 2025 · Amount on Record
Deed SaleMar 25, 2025 · Amount on Record
Prior SaleJun 15, 2013 · Amount on Record
Deed Book / Page1400 / 120
Record UpdatedSep 20, 2026

March 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSTEPHENS GA
Recording DateMar 25, 2025
Property Address48 CLIFFS RIDGE DR, TOCCOA, GA 30577
Document Number0014000120
Book / Page1400 / 120
Instrument DateMar 21, 2025
Transaction TypeTransfer
Record UpdatedMar 12, 2026

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$5.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address40 RIVER BURCH CT, HAMPTON, GA 30228-2869

Mortgage

Document Number0001400123
DateMar 25, 2025
Instrument1400/123
Lender
NamePINNACLE BANK
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term34 Months
DueJan 01, 2028

Tax Assessment & Valuation

Source: Stephens County records · Assessment roll updated March 12, 2026 · Last verified June 2026

Property Jurisdictions

TypeName
StateGeorgia
CountyStephens County
Unified School DistrictStephens County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$3,263.00 (+48.18%)$118,876 (+60.71%) Land $3,356 Building $115,520$297,190 (+60.71%) Land $8,391 Building $288,799
2023$2,202.00$73,970 Land $3,356 Building $70,614$184,925 Land $8,391 Building $176,534

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Stephens County (13257C), updated September 26, 2008 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 132579701021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone A, within 500 ft
Nearby Flood Policies1 in force

Wildfire

Wildfire RiskModerate
above 49% of the US · above 59% of Georgia
Wildfire LikelihoodAbout 1 in 980 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 9 locations within about half a mile of this property, a small sample

ProviderTechnologyDownload / Upload (Mbps)
TruVista CommunicationsFiber5,000 / 5,000
StarlinkSatellite (low-earth orbit)280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

4G LTE (outdoors only), no 5G reported

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