Stephens County property record for 569 Watson St, Toccoa, GA 30577
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,131 sqft · built 1990 |
| Lot Size | 4.99 acres (217,364 sqft) |
| Owner | Individual Name on File |
| Last Sale | $254,000 (Dec 2020) |
| Tax Bill | $3,940 (2025) |
| Deeds & Mortgages | Dec 2020 Sale & Mortgage Aug 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T08 050 |
| Primary APN | T08 050 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,131 sqft Heated Area |
| Basement Area | 932 sqft |
| Unfinished Basement | 932 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 217,364 sqft (4.99 acres) |
| Terrain | Gentle Slope |
| Garage Area | 506 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 512 sqft |
| Deck Area | 66 sqft |
| Patio Area | 30 sqft |
| Utility Building | 180 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 489250 |
|---|---|
| Street Address | 569 WATSON ST |
| City | TOCCOA |
| State | GA |
| Zip | 30577-1958 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-IA |
| Legal Description | TRACTS 4A & 6A WATSON ST |
| Legal Subdivision | 0225 - PRIMARY - AC |
| Legal Tract | 4A,6A |
| Legal Lot Number | 4A,6A |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | TOCCOA |
| Census Block Group | 2 |
| Census Block | 2033 |
| Census Tract | 970101 |
Source: Stephens County records · APN T08 050
Assessment roll updated March 12, 2026 · Last verified April 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 File |
|---|---|
| Mailing Address | 569 WATSON ST, TOCCOA, GA 30577-1958 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 22, 2020 | Grant Deed, Transfer · Conventional Mortgage HOMEOWNERS FIN'L GRP USA |
| Aug 07, 2018 | Grant Deed, Transfer · Conventional Mortgage HOMESTAR FIN'L |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 21, 2020 · Amount on Record |
| Deed Sale | Dec 21, 2020 · Amount on Record |
| Prior Sale | Jul 30, 2018 · Amount on Record |
| Deed Document Number | 20201559 |
| Deed Book / Page | 1234 / 39 |
| Prior Transfer Date | Aug 14, 2008 |
| Prior Transfer Doc | 0008690001 |
| Record Updated | Jun 08, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Dec 22, 2020 |
| Property Address | 569 WATSON ST, TOCCOA, GA 30577-1958 |
| Document Number | 0012340039 |
| Book / Page | 001234 / 000039 |
| Instrument Date | Dec 21, 2020 |
| Transaction Type | Transfer |
| Record Updated | Jan 12, 2021 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $254.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 569 WATSON ST TOCCOA GA 305771958, TOCCOA, GA 30577-1958 |
| Document Number | 12340041 |
|---|---|
| Date | Dec 22, 2020 |
| Book Page | 001234/000041 |
| Name | HOMEOWNERS FIN'L GRP USA |
|---|---|
| Type | Funding / Finance Company |
| Address | SCOTTSDALE, AZ 85254 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 21, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Aug 07, 2018 |
| Property Address | 569 WATSON ST, TOCCOA, GA 30577-1958 |
| Document Number | 0011570052 |
| Book / Page | 001157 / 000052 |
| Instrument Date | Jul 30, 2018 |
| Transaction Type | Transfer |
| Record Updated | Sep 11, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $217.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 569 WATSON ST TOCCOA GA 305771958, TOCCOA, GA 30577-1958 |
| Document Number | 11570053 |
|---|---|
| Date | Aug 07, 2018 |
| Book Page | 001157/000053 |
| Name | HOMESTAR FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | GAINESVILLE, GA 30501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 06, 2048 |
Source: Stephens County records · Assessment roll updated March 12, 2026 · Last verified April 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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,940.00 (+17.05%) Homeowner's exemption | $126,029 (+32.41%) Land $9,086 Building $116,943 | $315,072 (+32.41%) Land $22,714 Building $292,358 |
| 2023 | $3,366.00 (+5.25%) | $95,180 (+5.26%) Land $9,086 Building $86,094 | $237,950 (+5.26%) Land $22,714 Building $215,236 |
| 2022 | $3,198.00 | $90,427 Land $9,086 Building $81,341 | $226,066 Land $22,714 Building $203,352 |
Source: FEMA National Flood Hazard Layer as of September 26, 2008 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 | 6 in force |
| Wildfire Risk | Moderate above 47% of the US · above 53% of Georgia |
|---|---|
| Wildfire Likelihood | 0.09% annual chance |
| 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 as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Point Broadband Fiber Holding Fiber | 1,000 / 1,000 |
| TruVista Communications Cable · Fiber in parts of the area | 500 / 50 |
Based on FCC filings for 50 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOCCOA serves 28,711 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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