64 Prather Bridge Rd, Toccoa, GA 30577 Property Records

Stephens County property record for 64 Prather Bridge Rd, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,797 sqft · built 1991
Lot Size	1.09 acres (47,480 sqft)
Owner	Individual Name on Record
Last Sale	$550,000 (Jul 2024)
Tax Bill	$5,283 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Jan 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`T26 155`

Property Details

APN / Parcel Number

Primary APN	`T26 155`
Alternative APN	`603600`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,797 sqft Heated Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1993
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Raised
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	47,480 sqft (1.09 acres)
Terrain	Gentle Slope
Garage Area	552 sqft
Porch	Porch
Porch Area	172 sqft
Utility Building	184 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	603600
Street Address	64 PRATHER BRIDGE RD
City	TOCCOA
State	GA
Zip	30577-2078
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-IA
Legal Description	PRATHER BRIDGE RD LOT
Legal Subdivision	ELLIOTT CAUDELL SURV
Jurisdiction	STEPHENS GA
Township / Civil Division	TOCCOA
Census Block Group	3
Census Block	3000
Census Tract	970102

Owner

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
Co-owner	Co-owner on Record
Mailing Address	64 PRATHER BRIDGE RD, TOCCOA, GA 30577-2078
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2020	Deed of Trust, Mortgage · Conventional with PMI HOMESTAR FIN'L
Jan 11, 2019	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2024 · Amount on Record
Deed Sale	Jul 2, 2024 · Amount on Record
Prior Sale	Oct 31, 2011 · Amount on Record
Deed Document Number	0001372307
Deed Book / Page	1372 / 307
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	64 PRATHER BRIDGE RD, TOCCOA, GA 30577-2078
Document Number	0012130315
Instrument Date	Jun 15, 2020
Transaction Type	Mortgage
Record Updated	Jul 10, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	64 PRATHER BRIDGE RD TOCCOA GA 305772078, TOCCOA, GA 30577-2078

Mortgage

Document Number	0012130315
Date	Jun 22, 2020
Book Page	001213/000315

Lender

Name	HOMESTAR FIN'L
Type	Funding / Finance Company
Address	GAINESVILLE, GA 30501

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Jun 21, 2035

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	64 PRATHER BRIDGE RD, TOCCOA, GA 30577-2078
Document Number	0011690456
Instrument Date	Jan 11, 2019
Transaction Type	Mortgage
Record Updated	Mar 21, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	64 PRATHER BRIDGE RD TOCCOA GA 305772078, TOCCOA, GA 30577-2078

Mortgage

Document Number	0011690456
Date	Feb 4, 2019
Book Page	001169/000456

Lender

Name	FIRST CITIZENS BK
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Feb 3, 2044

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Stephens County assessment roll, as of July 1, 2025

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,283.00 (+43.05%) Homeowner's exemption	$181,591 (+73.91%) Land $6,641 Building $174,950	$453,978 (+73.91%) Land $16,603 Building $437,375
2023	$3,693.00 (+6.15%)	$104,416 (+6.14%) Land $6,641 Building $97,775	$261,041 (+6.14%) Land $16,603 Building $244,438
2022	$3,479.00	$98,380 Land $6,641 Building $91,739	$245,950 Land $16,603 Building $229,347

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 26, 2008

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

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	0.01% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 225 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

May also be available: Point Broadband.

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