Stephens County property record for 486 Watson St, Toccoa, GA 30577 · Last verified March 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,374 sqft · built 2000 |
| Lot Size | 0.96 acres (41,818 sqft) |
| Owner | Individual Name on File |
| Last Sale | $254,000 (Jul 2023) |
| Tax Bill | $2,771 (2025) |
| Deeds & Mortgages | Jul 2023 Sale & Mortgage Jul 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T08 062 |
| Primary APN | T08 062 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,374 sqft Heated Area |
| Attic Area | 973 sqft |
| Basement Area | 972 sqft |
| Unfinished Basement | 972 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 41,818 sqft (0.96 acres) |
| Porch | Porch |
|---|---|
| Porch Area | 540 sqft |
| Patio Area | 288 sqft |
| Utility Building | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Electric |
| Account Number | 488830 |
|---|---|
| Street Address | 486 WATSON ST |
| City | TOCCOA |
| State | GA |
| Zip | 30577-1600 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 5 WATSON ST |
| Legal Subdivision | PARK VIEW |
| Legal Lot Number | 5 |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | TOCCOA |
| Census Block Group | 2 |
| Census Block | 2033 |
| Census Tract | 970101 |
Source: Stephens County records · APN T08 062
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 | Individual Name on File |
|---|---|
| Mailing Address | 486 WATSON ST, TOCCOA, GA 30577-1600 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 11, 2023 | Warranty Deed, Transfer · Conventional Mortgage EVERETT FINANCIAL |
| Jul 08, 2021 | Deed of Trust, Mortgage · FHA Mortgage NEWREZ |
| Aug 01, 2017 | Grant Deed, Transfer · FHA Mortgage HOMESTAR FIN'L |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 11, 2023 · Amount on Record |
| Deed Sale | Jul 11, 2023 · Amount on Record |
| Prior Sale | Jul 31, 2017 · Amount on Record |
| Deed Document Number | 2023-000800 |
| Deed Book / Page | 1335 / 492 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Jul 11, 2023 |
| Property Address | 486 WATSON ST, TOCCOA, GA 30577-1600 |
| Document Number | 0013350492 |
| Book / Page | 1335 / 492 |
| Instrument Date | Jul 07, 2023 |
| Instrument | 2023-000800 |
| Transaction Type | Transfer |
| Record Updated | Aug 14, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2.54 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 486 WATSON ST, TOCCOA, GA 30577-1600 |
| Document Number | 0013350000000494 |
|---|---|
| Date | Jul 11, 2023 |
| Book Page | 0000001335/0000000494 |
| Name | EVERETT FINANCIAL |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 486 WATSON ST, TOCCOA, GA 30577-1600 |
| Transaction Type | Mortgage |
| Record Updated | Aug 04, 2022 |
| Name | Verified Name |
|---|---|
| Address | 486 WATSON ST, TOCCOA, GA 30577-1600 |
| Document Number | 0012580000000067 |
|---|---|
| Date | Jul 08, 2021 |
| Book Page | 0000001258/0000000067 |
| Name | NEWREZ |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Aug 01, 2017 |
| Property Address | 486 WATSON ST, TOCCOA, GA 30577-1600 |
| Document Number | 0011280028 |
| Book / Page | 001128 / 000028 |
| Instrument Date | Jul 31, 2017 |
| Transaction Type | Transfer |
| Record Updated | Oct 30, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $137.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 486 WATSON ST TOCCOA GA 305771600, TOCCOA, GA 30577-1600 |
| Document Number | 11280030 |
|---|---|
| Date | Aug 01, 2017 |
| Book Page | 001128/000030 |
| Name | HOMESTAR FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | GAINESVILLE, GA 30501 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 31, 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 | $2,771.00 (+34.65%) Homeowner's exemption | $94,805 (+62.93%) Land $3,747 Building $91,058 | $237,013 (+62.93%) Land $9,368 Building $227,645 |
| 2023 | $2,058.00 (+5.05%) | $58,189 (+5.04%) Land $3,747 Building $54,442 | $145,473 (+5.04%) Land $9,368 Building $136,105 |
| 2022 | $1,959.00 | $55,398 Land $3,747 Building $51,651 | $138,495 Land $9,368 Building $129,127 |
Source: FEMA National Flood Hazard Layer, Stephens County (13257C), updated September 26, 2008 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Wildfire Risk | Moderate above 47% of the US · above 54% of Georgia |
|---|---|
| Wildfire Likelihood | 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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