Stephens County property record for 532 Watson St, Toccoa, GA 30577 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,632 sqft · built 1987 |
| Lot Size | 1.96 acres (85,378 sqft) |
| Owner | Company Name on File |
| Tax Bill | $2,748 (2025) |
| Deeds & Mortgages | May 2024 Line of Credit Oct 2025 Transfer + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T08 059 |
| Primary APN | T08 059 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,632 sqft Heated Area |
| Basement Area | 1,316 sqft |
| Finished Basement | 1,316 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 85,378 sqft (1.96 acres) |
| Terrain | Gentle Slope |
| Porch | Slab |
| Porch Area | 448 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 489350 |
|---|---|
| Street Address | 532 WATSON ST |
| City | TOCCOA |
| State | GA |
| Zip | 30577-1957 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 1 & 2 HENDERSON FALLS ESTATES S/D |
| Legal Subdivision | HENDERSON FALLS ESTATES S/D |
| Legal Tract | 1 |
| Legal Lot Number | 1,2 |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | TOCCOA |
| Census Block Group | 2 |
| Census Block | 2033 |
| Census Tract | 970101 |
Source: Stephens County records · APN T08 059
Assessment roll updated March 12, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 532 WATSON ST, TOCCOA, GA 30577-1957 |
| Owner Type | Company |
| Vesting | Limited Liability Company |
| Date | Document |
|---|---|
| May 23, 2024 | Deed of Trust, Mortgage · Line of Credit MERISAVE MORTGAGE |
| Oct 08, 2025 | Quit Claim Deed, Transfer Quitclaim |
| Oct 03, 2025 | Limited Warranty Deed, Transfer · FHA Mortgage CHURCHILL MORTGAGE |
| May 02, 2025 | Warranty Deed, Transfer · Conventional Mortgage PRIME PROPERTY LENDING |
| Jun 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BARRINGTON BANK AND TRUST |
| May 06, 2021 | Warranty Deed, Transfer |
| Oct 31, 2018 | Grant Deed, Transfer · Conventional Mortgage HOMESTAR FIN'L |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 08, 2025 |
| Deed Sale | Oct 08, 2025 |
| Prior Sale | Oct 03, 2025 · Amount on Record |
| Deed Document Number | 20253192 |
| Deed Book / Page | 1426 / 69 |
| Prior Transfer Date | Oct 07, 2025 |
| Prior Transfer Doc | 0014260069 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 532 WATSON ST, TOCCOA, GA 30577 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2025 |
| Name | Verified Name |
|---|---|
| Address | 532 WATSON ST, TOCCOA, GA 30577-1957 |
| Document Number | 0013680000000233 |
|---|---|
| Date | May 23, 2024 |
| Book Page | 0000001368/0000000233 |
| Name | MERISAVE MORTGAGE |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2054 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Oct 08, 2025 |
| Property Address | 532 WATSON ST, TOCCOA, GA 30577 |
| Document Number | 0014260069 |
| Book / Page | 1426 / 69 |
| Instrument Date | Oct 07, 2025 |
| Instrument | D2025-003192 |
| Transaction Type | Transfer |
| Record Updated | Nov 10, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 532 WATSON ST, TOCCOA, GA 30577 |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Oct 03, 2025 |
| Property Address | 532 WATSON ST, TOCCOA, GA 30577 |
| Document Number | 0014250268 |
| Book / Page | 1425 / 268 |
| Instrument Date | Sep 30, 2025 |
| Instrument | 2025003132 |
| Transaction Type | Transfer |
| Record Updated | Nov 03, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3.05 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 532 WATSON ST, TOCCOA, GA 30577 |
| Document Number | 2025003133 |
|---|---|
| Date | Oct 03, 2025 |
| Instrument | 2025003133 |
| Name | CHURCHILL MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 351 Months |
| Due | Jan 01, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | May 02, 2025 |
| Property Address | 532 WATSON ST, TOCCOA, GA 30577 |
| Document Number | 0014050123 |
| Book / Page | 1405 / 123 |
| Instrument Date | Apr 30, 2025 |
| Instrument | D2025-001268 |
| Transaction Type | Transfer |
| Record Updated | Jun 27, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1973 MONTROSE DR, EAST POINT, GA 30344-3068 |
| Document Number | 0014050000000125 |
|---|---|
| Date | May 02, 2025 |
| Book Page | 0000001405/0000000125 |
| Instrument | D2025-001269 |
| Name | PRIME PROPERTY LENDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jan 01, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 532 WATSON ST, TOCCOA, GA 30577 |
| Transaction Type | Mortgage |
| Record Updated | Nov 10, 2023 |
| Name | Verified Name |
|---|---|
| Address | 532 WATSON ST, TOCCOA, GA 30577 |
| Document Number | 0012570000000035 |
|---|---|
| Date | Jun 28, 2021 |
| Book Page | 0000001257/0000000035 |
| Name | BARRINGTON BANK AND TRUST |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | May 06, 2021 |
| Property Address | 532 WATSON ST, TOCCOA, GA 30577 |
| Document Number | 0012570031 |
| Book / Page | 1257 / 31 |
| Instrument Date | May 06, 2021 |
| Instrument | 2021-000650 |
| Transaction Type | Transfer |
| Record Updated | Nov 15, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 532 WATSON ST, TOCCOA, GA 30577 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Oct 31, 2018 |
| Property Address | 532 WATSON ST, TOCCOA, GA 30577 |
| Document Number | 0011630369 |
| Book / Page | 001163 / 000369 |
| Instrument Date | Oct 30, 2018 |
| Transaction Type | Transfer |
| Record Updated | Nov 22, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $112.60 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 532 WATSON ST TOCCOA GA 30577, TOCCOA, GA 30577 |
| Document Number | 11630371 |
|---|---|
| Date | Oct 31, 2018 |
| Book Page | 001163/000371 |
| Name | HOMESTAR FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | GAINESVILLE, GA 30501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 30, 2048 |
Source: Stephens County records · Assessment roll updated March 12, 2026 · Last verified July 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 and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,748.00 (+49.43%) | $78,767 (+52.62%) Land $4,915 Building $73,852 | $196,916 (+52.62%) Land $12,287 Building $184,629 |
| 2024 | $1,839.00 (+8.56%) | $51,610 (+7.71%) Land $4,915 Building $46,695 | $129,024 (+7.71%) Land $12,287 Building $116,737 |
| 2023 | $1,694.00 (+6.07%) | $47,915 (+6.07%) Land $4,915 Building $43,000 | $119,787 (+6.07%) Land $12,287 Building $107,500 |
| 2022 | $1,597.00 | $45,174 Land $4,915 Building $40,259 | $112,934 Land $12,287 Building $100,647 |
Source: FEMA National Flood Hazard Layer, Stephens County (13257C), updated September 26, 2008 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 132579701012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Nearby Flood Policies | 6 in force |
| 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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 50 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Point Broadband Fiber Holding | Fiber | 1,000 / 1,000 |
| TruVista Communications | Cable | 500 / 50 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: TruVista Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.
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