Stephens County property record for 49 N Oak St, Toccoa, GA 30577
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,784 sqft · built 1928 |
| Lot Size | 0.239 acres (10,454 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $26,275 (Mar 2008) |
| Tax Bill | $1,286 (2025) |
| Deeds & Mortgages | Feb 2020 Line of Credit Aug 2019 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T11 086 |
| Primary APN | T11 086 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 1,784 sqft Heated Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1928 |
|---|---|
| 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 | 10,454 sqft (0.239 acres) |
| Terrain | Gentle Slope |
| Porch | Porch |
| Porch Area | 394 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 582350 |
|---|---|
| Street Address | 49 N OAK ST |
| City | TOCCOA |
| State | GA |
| Zip | 30577-2362 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-II |
| Legal Description | PT LOTS 2 & 4 BLK 73 MORENO S/D |
| Legal Subdivision | MORENO |
| Legal Block | 73 |
| Legal Lot Number | 2,4 4 |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | TOCCOA |
| Census Block Group | 1 |
| Census Block | 1036 |
| Census Tract | 970101 |
Source: Stephens County records, as of March 11, 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 Record |
|---|---|
| Mailing Address | 47 N OAK ST, TOCCOA, GA 30577-2362 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 28, 2020 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BK |
| Aug 15, 2019 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BK |
| Aug 9, 2019 | Warranty Deed, Transfer NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 14, 2008 · Amount on Record |
| Deed Sale | Mar 14, 2008 · Amount on Record |
| Prior Sale | Nov 6, 2007 |
| Deed Document Number | 2008-000343 |
| Deed Book / Page | 851 / 357 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 49 N OAK ST, TOCCOA, GA 30577-2362 |
| Document Number | 0012100342 |
| Instrument Date | Feb 28, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 11, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 49 N OAK ST TOCCOA GA 305772362, TOCCOA, GA 30577-2362 |
| Document Number | 0012100342 |
|---|---|
| Date | May 22, 2020 |
| Book Page | 001210/000342 |
| Name | FIRST CITIZENS BK |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611-6592 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | May 21, 2045 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 49 N OAK ST, TOCCOA, GA 30577-2362 |
| Document Number | 0011880358 |
| Instrument Date | Aug 15, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2019 |
| Title Company | DOCUMENT RECORDING SERVICES, DOCUMENT RECORDING SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 47 N OAK ST TOCCOA GA 305772362, TOCCOA, GA 30577-2362 |
| Document Number | 0011880358 |
|---|---|
| Date | Sep 13, 2019 |
| Book Page | 001188/000358 |
| Name | FIRST CITIZENS BK |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611-6592 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Sep 12, 2044 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Aug 9, 2019 |
| Property Address | 49 N OAK ST, TOCCOA, GA 30577-2362 |
| Document Number | 0011860065 |
| Book / Page | 001186 / 000065 |
| Instrument Date | Jul 12, 2017 |
| Transaction Type | Transfer |
| Record Updated | Aug 21, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $20.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 47 N OAK ST TOCCOA GA 305772362, TOCCOA, GA 30577-2362 |
Source: Stephens County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Georgia |
| County | Stephens County |
| Municipality | Toccoa City |
| Unified School District | Stephens County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,286.00 (+45.64%) Homeowner's exemption Additional exemption filed | $50,849 (+64.02%) Land $1,685 Building $49,164 | $127,123 (+64.02%) Land $4,212 Building $122,911 |
| 2023 | $883.00 (-14.93%) Homeowner's exemption | $31,001 (+5.63%) Land $1,685 Building $29,316 | $77,503 (+5.63%) Land $4,212 Building $73,291 |
| 2022 | $1,038.00 Homeowner's exemption | $29,350 Land $1,685 Building $27,665 | $73,374 Land $4,212 Building $69,162 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 26, 2008 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 85% of Georgia |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 176 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber · DSL | 2,000 / 2,000 |
| TruVista Communications Cable · Fiber in parts of the area | 500 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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