55 Oak Dr, Toccoa, GA 30577 Property Records

Stephens County property record for 55 Oak Dr, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,920 sqft · built 1990
Lot Size	2.48 acres (108,029 sqft)
Owner	Individual Name on Record
Last Sale	$287,500 (Jan 2017)
Tax Bill	$5,379 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Sep 2021 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`022C 021`

Property Details

APN / Parcel Number

Primary APN	`022C 021`
Alternative APN	`524450`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	4,920 sqft Heated Area
Basement Area	3,936 sqft
Unfinished Basement	3,936 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1995
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	108,029 sqft (2.48 acres)
Terrain	Gentle Slope
Garage Area	936 sqft

Exterior Amenities

Pool Area	680 sqft
Porch	Slab
Porch Area	68 sqft
Patio Area	1,504 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	524450
Street Address	55 OAK DR
City	TOCCOA
State	GA
Zip	30577-7203
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOTS 2 & 3 CURRAHEE OAKS S/D + 0.15 AC
Legal Subdivision	CURRAHEE OAKS
Legal Lot Number	2,3+
Jurisdiction	STEPHENS GA
Township / Civil Division	MARTIN-AVALON
Census Block Group	2
Census Block	2045
Census Tract	970401

Owner

Source: Stephens County records, as of March 12, 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	55 OAK DR, TOCCOA, GA 30577-7203
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE
Sep 4, 2021	Warranty Deed, Transfer
Jul 12, 2018	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
May 28, 2020	Deed of Trust, Mortgage AMERISAVE MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 13, 2017 · Amount on Record
Deed Sale	Jan 13, 2017 · Amount on Record
Prior Sale	May 23, 2014 · Amount on Record
Deed Document Number	201750
Deed Book / Page	1113 / 257
Last Transfer Date	Sep 4, 2021
Transfer Doc	0012690402
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	55 OAK DR, TOCCOA, GA 30577-7203
Transaction Type	Mortgage
Record Updated	Mar 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 OAK DR, TOCCOA, GA 30577-7203

Mortgage

Document Number	0012690000000385
Date	Oct 6, 2021
Book Page	0000001269/0000000385

Lender

Name	AMERISAVE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2036

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Sep 4, 2021
Property Address	55 OAK DR, TOCCOA, GA 30577-7203
Document Number	0012690402
Book / Page	1269 / 402
Instrument Date	Sep 4, 2021
Instrument	2021-001121
Transaction Type	Transfer
Record Updated	Mar 12, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 OAK DR, TOCCOA, GA 30577-7203

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	55 OAK DR, TOCCOA, GA 30577-7203
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011540474
Date	Jul 12, 2018
Book Page	1154/474

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2033

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	55 OAK DR, TOCCOA, GA 30577-7203
Document Number	0012180135
Instrument Date	May 28, 2020
Transaction Type	Mortgage
Record Updated	Aug 25, 2020
Title Company	SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 OAK DR TOCCOA GA 305777203, TOCCOA, GA 30577-7203

Mortgage

Document Number	0012180135
Date	Aug 4, 2020
Book Page	001218/000135

Lender

Name	AMERISAVE MTG
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Aug 3, 2035

Tax Assessment & Valuation

Source: Stephens County assessment roll, as of March 12, 2026

Property Jurisdictions

Type	Name
State	Georgia
County	Stephens County
Unified School District	Stephens County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,379.00 (+17.99%) Homeowner's exemption	$232,604 (+49.92%) Land $10,498 Building $222,106	$581,509 (+49.92%) Land $26,244 Building $555,265
2023	$4,559.00 (+3.17%) Homeowner's exemption	$155,151 (+4.51%) Land $10,498 Building $144,653	$387,876 (+4.51%) Land $26,244 Building $361,632
2022	$4,419.00 Homeowner's exemption	$148,460 Land $10,498 Building $137,962	$371,149 Land $26,244 Building $344,905

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 48% of the US · above 58% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TruVista Communications Cable	500 / 50
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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