Stephens County property record for 516 Watson St, Toccoa, GA 30577
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,000 sqft · built 2003 |
| Lot Size | 1.96 acres (85,378 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $168,000 (Sep 2016) |
| Tax Bill | $5,099 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage Jan 2024 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T08 061 |
| Primary APN | T08 061 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 3,000 sqft Heated Area |
| Attic Area | 624 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 85,378 sqft (1.96 acres) |
| Garage Area | 896 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 140 sqft |
| Deck Area | 195 sqft |
| Patio Area | 387 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Account Number | 488835 |
|---|---|
| Street Address | 516 WATSON ST |
| City | TOCCOA |
| State | GA |
| Zip | 30577-1957 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-IA |
| Legal Description | LOTS 6 & 7 WATSON ST |
| Legal Subdivision | WEST & HAYES LLP |
| Legal Lot Number | 6,7 7 |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | TOCCOA |
| Census Block Group | 2 |
| Census Block | 2033 |
| Census Tract | 970101 |
Source: Stephens County assessment roll, as of July 1, 2025
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 File |
|---|---|
| Mailing Address | 516 WATSON ST, TOCCOA, GA 30577-1957 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS |
| Jan 23, 2024 | Deed of Trust, Mortgage · Line of Credit LOANDEPOT |
| Feb 11, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 22, 2016 · Amount on Record |
| Deed Sale | Sep 22, 2016 · Amount on Record |
| Deed Document Number | 0001101430 |
| Deed Book / Page | 1101 / 430 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 516 WATSON ST, TOCCOA, GA 30577-1957 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2026 |
| Name | Verified Name |
|---|---|
| Address | 516 WATSON ST, TOCCOA, GA 30577-1957 |
| Document Number | 0012580000000437 |
|---|---|
| Date | Jul 12, 2021 |
| Book Page | 0000001258/0000000437 |
| Name | QUICKEN LOANS |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 516 WATSON ST, TOCCOA, GA 30577-1957 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2025 |
| Name | Verified Name |
|---|---|
| Address | 516 WATSON ST, TOCCOA, GA 30577-1957 |
| Document Number | 0013550000000141 |
|---|---|
| Date | Jan 23, 2024 |
| Book Page | 0000001355/0000000141 |
| Name | LOANDEPOT |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 516 WATSON ST, TOCCOA, GA 30577-1957 |
| Transaction Type | Mortgage |
| Record Updated | Mar 14, 2022 |
| Name | Verified Name |
|---|---|
| Address | 516 WATSON ST, TOCCOA, GA 30577-1957 |
| Document Number | 0012850000000331 |
|---|---|
| Date | Feb 11, 2022 |
| Book Page | 0000001285/0000000331 |
| Instrument | 000236 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 348 Months |
| Due | Jan 1, 2051 |
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 | $5,099.00 (+39.24%) Homeowner's exemption | $177,380 (+68.55%) Land $4,915 Building $172,465 | $443,450 (+68.55%) Land $12,287 Building $431,163 |
| 2023 | $3,662.00 (+4.96%) Homeowner's exemption | $105,238 (+6.68%) Land $4,915 Building $100,323 | $263,094 (+6.68%) Land $12,287 Building $250,807 |
| 2022 | $3,489.00 Homeowner's exemption | $98,652 Land $4,915 Building $93,737 | $246,630 Land $12,287 Building $234,343 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 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 | Moderate above 47% of the US · above 53% of Georgia |
|---|---|
| Wildfire Likelihood | 0.09% 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 50 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Point Broadband Fiber | 1,000 / 1,000 |
| TruVista Communications Cable · Fiber in parts of the area | 500 / 50 |
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