Stephens County property record for 54 Fair St, Toccoa, GA 30577
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,000 sqft · built 1951 |
| Lot Size | 0.369 acres (16,117 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $625 (2025) |
| Deeds & Mortgages | Jan 2024 Mortgage Feb 2023 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T20 276 |
| Primary APN | T20 276 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,000 sqft Heated Area |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1951 |
|---|---|
| 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 | 16,117 sqft (0.369 acres) |
| Porch | Porch |
| Porch Area | 154 sqft |
| Utility Building | 760 sqft |
| Sewer | Municipal |
|---|---|
| Water Source | Commercial |
| Account Number | 663450 |
|---|---|
| Street Address | 54 FAIR ST |
| City | TOCCOA |
| State | GA |
| Zip | 30577-5950 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-III |
| Legal Description | LOTS 10 & 11 MRS J B SIMMONS S/D |
| Legal Subdivision | MRS J B SIMMONS |
| Legal Lot Number | 10,11 11 |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | TOCCOA |
| Census Block Group | 4 |
| Census Block | 4053 |
| Census Tract | 970301 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 54 FAIR ST, TOCCOA, GA 30577-5950 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 11, 2024 | Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE |
| Feb 16, 2023 | Warranty Deed, Transfer |
| Nov 29, 2017 | Loan Modification, Mortgage · Conventional Mortgage FIRST CITIZENS BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 16, 2023 |
| Deed Sale | Feb 16, 2023 |
| Deed Document Number | 0001321490 |
| Deed Book / Page | 1321 / 490 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 54 FAIR ST, TOCCOA, GA 30577-5950 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2025 |
| Name | Verified Name |
|---|---|
| Address | 54 FAIR ST, TOCCOA, GA 30577-5950 |
| Document Number | 0013540000000137 |
|---|---|
| Date | Jan 11, 2024 |
| Book Page | 0000001354/0000000137 |
| Instrument | D2024000058 |
| Name | UNITED WHOLESALE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Feb 16, 2023 |
| Property Address | 54 FAIR ST, TOCCOA, GA 30577-5950 |
| Document Number | 0013210490 |
| Book / Page | 1321 / 490 |
| Instrument Date | Feb 16, 2023 |
| Instrument | 2023-000170 |
| Transaction Type | Transfer |
| Record Updated | Mar 13, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 54 FAIR ST, TOCCOA, GA 30577-5950 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 54 FAIR ST, TOCCOA, GA 30577-5950 |
| Document Number | 0011450460 |
| Instrument Date | Nov 29, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Apr 9, 2018 |
| Name | Verified Name |
|---|
| Document Number | 0011450460 |
|---|---|
| Date | Mar 29, 2018 |
| Book Page | 001145/000460 |
| Name | FIRST CITIZENS BK |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611-6592 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Mar 28, 2023 |
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 | $625.00 (+21.6%) Homeowner's exemption | $23,110 (+58.88%) Land $1,560 Building $21,550 | $57,773 (+58.88%) Land $3,899 Building $53,874 |
| 2023 | $514.00 (+43.98%) | $14,546 (+43.91%) Land $1,560 Building $12,986 | $36,363 (+43.91%) Land $3,899 Building $32,464 |
| 2022 | $357.00 | $10,108 Land $1,560 Building $8,548 | $25,268 Land $3,899 Building $21,369 |
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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 1 (2009) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2009 · Severe Storms And Flooding |
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 80% of the US · lower than 94% of Georgia |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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 260 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber · DSL in parts of the area | 2,000 / 2,000 |
| TruVista Communications Cable | 500 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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