Stephens County property record for 640 Black Mountain Rd, Toccoa, GA 30577
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,228 sqft · built 1989 |
| Lot Size | 5.21 acres (227,383 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $753 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 017 051 |
| Primary APN | 017 051 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,228 sqft Heated Area |
| Basement Area | 1,564 sqft |
| Finished Basement | 660 sqft |
| Unfinished Basement | 904 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 227,383 sqft (5.21 acres) |
| Terrain | Gentle Slope |
| Porch | Porch |
|---|---|
| Porch Area | 48 sqft |
| Deck Area | 128 sqft |
| Patio Area | 480 sqft |
| Canopy | 288 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Account Number | 550950 |
|---|---|
| Street Address | 640 BLACK MOUNTAIN RD |
| City | TOCCOA |
| State | GA |
| Zip | 30577 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS |
| Legal Description | BLACK MOUNTAIN RD |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | TOCCOA |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 970101 |
640 Black Mountain Rd is owned and occupied by an individual who acquired it in February 1989.
Source: Stephens County records, as of March 11, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 640 N BLACK MOUNTAIN RD, TOCCOA, GA 30577-7466 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 22, 1989 |
| Deed Sale | Feb 22, 1989 |
| Deed Document Number | 0000219699 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 640 Black Mountain Rd was $753 with exemptions applied.
Source: Stephens County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Georgia |
| County | Stephens County |
| Unified School District | Stephens County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $753.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $76,133 Land $7,517 Building $68,616 | $190,333 Land $18,792 Building $171,541 |
| 2023 | $364.00 (-73.24%) Homeowner's exemption | $48,189 (+5.42%) Land $7,517 Building $40,672 | $120,472 (+5.42%) Land $18,792 Building $101,680 |
| 2022 | $1,360.00 Homeowner's exemption | $45,710 Land $7,517 Building $38,193 | $114,274 Land $18,792 Building $95,482 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 640 Black Mountain Rd in Zone X, an area of minimal flood risk.
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 | 1 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 risk around 640 Black Mountain Rd is moderate, ranking above 57% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 57% of the US · above 84% of Georgia |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| TruVista Communications Fiber | 5,000 / 5,000 |
| TrailWave Fiber | 1,000 / 1,000 |
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