637 E Tugalo St, Toccoa, GA 30577 Property Records

Stephens County property record for 637 E Tugalo St, Toccoa, GA 30577 · Last verified March 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	2 Baths
Year Built	Built 1990
Square Footage	2,243 sqft Heated Area
Lot Size	16,117 sqft (0.369 acres)
Occupancy	Owner Occupied
Last Sale	$165,000 (2004)
Tax Bill	$4,335.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`T26 165`
Alternative APN	`604700`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	2,243 sqft Heated Area
Stories	1 Stories
Interior Structure	Wallboard/Drywall Interior Structure
Fireplace	Fireplace
Fireplaces	2 Fireplaces

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1990
Architectural Style	Ranch Style
Exterior Material	Brick Exterior
Construction Type	Frame Construction
Foundation Type	Raised Foundation
Roof Construction	Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	16,117 sqft (0.369 acres)
Garage Type	Carport Garage
Carport	Carport
Carport Area	528 sqft Carport

Exterior Amenities

Pool Area	448 sqft Pool
Deck Area	348 sqft Deck
Patio Area	348 sqft Patio
Porch	Porch
Porch Area	646 sqft Porch
Topography	Gentle Slope Topography

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air Heating
Heating Fuel	Gas Heating Fuel
Sewage	Municipal Sewage
Water Source	Commercial Water Source

Location & Zoning

Account Number	604700
Street Address	637 E TUGALO ST
City	TOCCOA
State	GA
Zip	30577-2135
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LOT 4 BLK 2 UPLAND TERRACE S/D
Legal Subdivision	UPLAND TERRACE
Legal Block	2
Legal Lot Number	4
Jurisdiction	STEPHENS GA
Minor Civil Division	TOCCOA
Census Blockgroup	3
Census Block	3000
Census Tract	970102

Owner

Source: Stephens County records · APN T26 165

Assessment roll updated July 1, 2025 · Last verified March 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 File
Mailing Address	637 E TUGALO ST, TOCCOA, GA 30577-2135
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 16, 2004 · Amount on Record
Deed Sale	Jan 16, 2004 · Amount on Record
Deed Doc Number	0000064328
Record Refreshed	Jun 08, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	637 E TUGALO ST, TOCCOA, GA 30577-2135
Document Number	0011640122
Instrument Date	Nov 02, 2018
Transaction Type	Mortgage
Record Updated	Dec 03, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	637 E TUGALO ST TOCCOA GA 305772135, TOCCOA, GA 30577-2135

Mortgage

Document Number	0011640122
Date	Nov 07, 2018
Book Page	001164/000122

Lender

Name	OCONEE FED'L S&L ASSN
Type	Federal Savings Bank (FSB)
Address	TOCCOA, GA 30577

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Nov 06, 2028

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Stephens County records · Assessment roll updated July 1, 2025 · Last verified March 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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	$4,335.00 (+32.12%) Homeowner's exemption	$147,689 (+56.36%) Land $6,004 Building $141,685	$369,222 (+56.36%) Land $15,009 Building $354,213
2023	$3,281.00 (+17.09%) Homeowner's exemption	$94,452 (+19.23%) Land $6,004 Building $88,448	$236,130 (+19.23%) Land $15,009 Building $221,121
2022	$2,802.00 Homeowner's exemption	$79,221 Land $6,004 Building $73,217	$198,051 Land $15,009 Building $183,042

Flood & Wildfire

637 E Tugalo St is in FEMA Zone X, outside the Special Flood Hazard Area, with indirect wildfire exposure (Low risk).

Flood

Source: FEMA National Flood Hazard Layer · Stephens County (13257C), updated September 26, 2008

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Low 32nd percentile of exposed land nationally · 9th in Georgia
Wildfire Likelihood	Low — about 1 in 3,846 per year
Exposure	Indirect within ember reach of burnable land · adjoins burnable vegetation

Values are read at the parcel center point; lenders make the official flood determination.