Stephens County property record for 538 Cawthon Rd, Toccoa, GA 30577
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,490 sqft · built 1991 |
| Lot Size | 1.5 acres (65,340 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $300,000 (Aug 2026) |
| Tax Bill | $2,831 (2025) |
| Deeds & Mortgages | Aug 2026 Sale May 2020 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 021D 055 |
| Primary APN | 021D 055 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,490 sqft Heated Area |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 65,340 sqft (1.5 acres) |
| Garage Type | Carport |
| Garage Area | 440 sqft |
| Carport | Carport |
| Carport Area | 440 sqft |
| Deck Area | 160 sqft |
| Patio Area | 160 sqft |
| Utility Building | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 504659 |
|---|---|
| Street Address | 538 CAWTHON RD |
| City | TOCCOA |
| State | GA |
| Zip | 30577-7277 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS |
| Legal Description | LOT 5 CAWTHON RD |
| Legal Subdivision | 0107 - PRIMARY - SF |
| Legal Tract | 5 |
| Legal Lot Number | 5 |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | MARTIN-AVALON |
| Census Block Group | 2 |
| Census Block | 2030 |
| Census Tract | 970401 |
Source: Stephens County records, as of September 28, 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 | 538 CAWTHON RD, TOCCOA, GA 30577-7277 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 27, 2026 | Limited Warranty Deed, Transfer |
| May 27, 2020 | Grant Deed, Transfer REGIONS MTG |
| Feb 27, 2018 | Grant Deed, Transfer · FHA Mortgage HOMESTAR FIN'L |
| Dec 5, 2017 | Grant Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 27, 2026 · Amount on Record |
| Deed Sale | Aug 27, 2026 · Amount on Record |
| Prior Sale | May 26, 2020 · Amount on Record |
| Deed Document Number | 20262601 |
| Deed Book / Page | 1463 / 182 |
| Prior Transfer Date | Jul 5, 2017 |
| Prior Transfer Doc | 0011260175 |
| Record Updated | Oct 29, 2026 |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Aug 27, 2026 |
| Property Address | 538 CAWTHON RD, TOCCOA, GA 30577-7277 |
| Document Number | 0000002601 |
| Book / Page | 1463 / 182 |
| Instrument Date | Aug 27, 2026 |
| Instrument | 20262601 |
| Transaction Type | Transfer |
| Record Updated | Sep 28, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 538 CAWTHON RD, TOCCOA, GA 30577-7277 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | May 27, 2020 |
| Property Address | 538 CAWTHON RD, TOCCOA, GA 30577-7277 |
| Document Number | 0012100438 |
| Book / Page | 001210 / 000438 |
| Instrument Date | May 26, 2020 |
| Transaction Type | Transfer |
| Record Updated | Jun 11, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $184.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 538 CAWTHON RD TOCCOA GA 305777277, TOCCOA, GA 30577-7277 |
| Document Number | 12100441 |
|---|---|
| Date | May 27, 2020 |
| Book Page | 001210/000441 |
| Name | REGIONS MTG |
|---|---|
| Type | Mortgage Company |
| Address | BIRMINGHAM, AL 35244 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | May 26, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Feb 27, 2018 |
| Property Address | 538 CAWTHON RD, TOCCOA, GA 30577-7277 |
| Document Number | 0011430231 |
| Book / Page | 001143 / 000231 |
| Instrument Date | Feb 21, 2018 |
| Transaction Type | Transfer |
| Record Updated | Jun 11, 2019 |
| Title Company | OTHER |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $94.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 538 CAWTHON RD TOCCOA GA 305777277, TOCCOA, GA 30577-7277 |
| Document Number | 11430233 |
|---|---|
| Date | Feb 27, 2018 |
| Book Page | 001143/000233 |
| Name | HOMESTAR FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | GAINESVILLE, GA 30501 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 26, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Dec 5, 2017 |
| Property Address | 538 CAWTHON RD, TOCCOA, GA 30577-7277 |
| Document Number | 0011370346 |
| Book / Page | 001137 / 000346 |
| Instrument Date | Aug 3, 2017 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 2401 NW 32RD ST #1D OKLAHOMA CITY OK 73107, 1D, OKLAHOMA CITY, OK 73107 |
| Investor | Possibly a Property Investor |
Source: Stephens County assessment roll, as of March 12, 2026
| Type | Name |
|---|---|
| State | Georgia |
| County | Stephens County |
| Unified School District | Stephens County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,831.00 (+51.96%) | $103,164 (+64.78%) Land $4,964 Building $98,200 | $257,909 (+64.78%) Land $12,409 Building $245,500 |
| 2023 | $1,863.00 | $62,607 Land $4,964 Building $57,643 | $156,516 Land $12,409 Building $144,107 |
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.
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 | 2 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 55% of the US · above 79% of Georgia |
|---|---|
| Wildfire Likelihood | 0.1% 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 25 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| TruVista Communications Cable · Fiber in parts of the area | 500 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Windstream DSL | 200 / 20 |
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