Stephens County property record for 56 Branch St, Toccoa, GA 30577
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,025 sqft · built 1950 |
| Lot Size | 0.289 acres (12,632 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $185,000 (Feb 2024) |
| Tax Bill | $1,924 (2025) |
| Deeds & Mortgages | Feb 2024 Sale & Mortgage Dec 2021 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T20 257A |
| Primary APN | T20 257A |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,025 sqft Heated Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 12,632 sqft (0.289 acres) |
| Porch | Porch |
| Porch Area | 124 sqft |
| Utility Building | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Account Number | 663105 |
|---|---|
| Street Address | 56 BRANCH ST |
| City | TOCCOA |
| State | GA |
| Zip | 30577-5951 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-III |
| Legal Description | LOT 40 & PT LOT 41 MRS J B SIMMONS S/D |
| Legal Subdivision | MRS J B SIMMONS |
| Legal Lot Number | 40,41 41 |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | TOCCOA |
| Census Block Group | 4 |
| Census Block | 4047 |
| 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 | 56 BRANCH ST, TOCCOA, GA 30577-5951 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 28, 2024 | Warranty Deed, Transfer · Conventional Mortgage FIRST OPTION MORTGAGE |
| Dec 7, 2021 | Deed of Trust, Mortgage · FHA Mortgage CARDINAL FINANCIAL |
| Sep 23, 2020 | Warranty Deed, Transfer · FHA Mortgage EVERETT FINANCIAL |
| Sep 24, 2020 | Grant Deed, Transfer · FHA Mortgage SUPREME LNDG |
| Jul 2, 2020 | Warranty Deed, Transfer ATTORNEY ONLY |
| Jun 26, 2018 | Loan Modification, Mortgage BARBARAT PAYNE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 28, 2024 · Amount on Record |
| Deed Sale | Feb 28, 2024 · Amount on Record |
| Prior Sale | Sep 23, 2020 · Amount on Record |
| Deed Document Number | 0001358246 |
| Deed Book / Page | 1358 / 246 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Feb 28, 2024 |
| Property Address | 56 BRANCH ST, TOCCOA, GA 30577-5951 |
| Document Number | 0013580246 |
| Book / Page | 1358 / 246 |
| Instrument Date | Feb 27, 2024 |
| Transaction Type | Transfer |
| Record Updated | Mar 25, 2024 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 56 BRANCH ST, TOCCOA, GA 30577-5951 |
| Document Number | 0001358265 |
|---|---|
| Date | Feb 28, 2024 |
| Instrument | 1358/265 |
| Name | FIRST OPTION MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Jan 1, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 56 BRANCH ST, TOCCOA, GA 30577-5951 |
| Transaction Type | Mortgage |
| Record Updated | Jan 7, 2022 |
| Name | Verified Name |
|---|---|
| Address | 56 BRANCH ST, TOCCOA, GA 30577-5951 |
| Document Number | 0012770000000390 |
|---|---|
| Date | Dec 7, 2021 |
| Book Page | 0000001277/0000000390 |
| Instrument | 000758 |
| Name | CARDINAL FINANCIAL |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Sep 23, 2020 |
| Property Address | 56 BRANCH ST, TOCCOA, GA 30577-5951 |
| Document Number | 0012230315 |
| Book / Page | 1223 / 315 |
| Instrument Date | Sep 23, 2020 |
| Instrument | 2020-001088 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 56 BRANCH ST, TOCCOA, GA 30577-5951 |
| Document Number | 0012230000000317 |
|---|---|
| Date | Sep 24, 2020 |
| Book Page | 0000001223/0000000317 |
| Name | EVERETT FINANCIAL |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Sep 24, 2020 |
| Property Address | 56 BRANCH ST, TOCCOA, GA 30577-5951 |
| Document Number | 0012230315 |
| Book / Page | 001223 / 000315 |
| Instrument Date | Sep 23, 2020 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $120.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 56 BRANCH ST TOCCOA GA 305775951, TOCCOA, GA 30577-5951 |
| Document Number | 12230317 |
|---|---|
| Date | Sep 24, 2020 |
| Book Page | 001223/000317 |
| Name | SUPREME LNDG |
|---|---|
| Address | DALLAS, TX 75254 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 23, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Jul 2, 2020 |
| Property Address | 56 BRANCH ST, TOCCOA, GA 30577-5951 |
| Document Number | 0012140462 |
| Book / Page | 001214 / 000462 |
| Instrument Date | Jun 24, 2020 |
| Transaction Type | Transfer |
| Record Updated | Jul 20, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 56 BRANCH ST TOCCOA GA 305775951, TOCCOA, GA 30577-5951 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 56 BRANCH ST, TOCCOA, GA 30577-5951 |
| Document Number | 0011540425 |
| Instrument Date | Jun 26, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 3, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 56 BRANCH ST TOCCOA GA 305775951, TOCCOA, GA 30577-5951 |
| Document Number | 0011540425 |
|---|---|
| Date | Jul 12, 2018 |
| Book Page | 001154/000425 |
| Name | BARBARAT PAYNE |
|---|---|
| Address | 428 VALLEY RD, TOCCOA, GA 30577-6343 |
| Amount | Amount Recorded |
|---|---|
| Term | 12 Months |
| Due | Jul 11, 2019 |
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 | $1,924.00 (+65.29%) | $55,168 (+67.5%) Land $1,390 Building $53,778 | $137,921 (+67.5%) Land $3,476 Building $134,445 |
| 2023 | $1,164.00 (+6.59%) | $32,936 (+6.64%) Land $1,390 Building $31,546 | $82,342 (+6.64%) Land $3,476 Building $78,866 |
| 2022 | $1,092.00 | $30,884 Land $1,390 Building $29,494 | $77,212 Land $3,476 Building $73,736 |
Assessed value is set for property tax purposes, not a market price estimate; it is 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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 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 66% of the US · lower than 89% of Georgia |
|---|---|
| Wildfire Likelihood | 0.03% 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 148 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 · Fiber in parts of the area | 500 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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