642 Rose Ln, Toccoa, GA 30577 Property Records

Stephens County property record for 642 Rose Ln, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,764 sqft · built 1962
Lot Size	1.86 acres (81,022 sqft)
Owner	Individual Name on File
Last Sale	$207,600 (Feb 2021)
Tax Bill	$2,565 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`043 004`

Property Details

APN / Parcel Number

Primary APN	`043 004`
Alternative APN	`462500`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,764 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1962
Effective Year Built	Effective 2010
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	81,022 sqft (1.86 acres)
Terrain	Gentle Slope
Garage Type	Carport
Garage Area	228 sqft
Carport	Carport
Carport Area	228 sqft
Deck Area	280 sqft
Patio Area	280 sqft
Utility Building	150 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	462500
Street Address	642 ROSE LN
City	TOCCOA
State	GA
Zip	30577-8771
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	ROSELANE SM AC
Legal Subdivision	0203 - PRIMARY - SF
Jurisdiction	STEPHENS GA
Township / Civil Division	TOCCOA
Census Block Group	2
Census Block	2006
Census Tract	970302

Owner

642 Rose Ln is owned and occupied by an individual who bought it in February 2021.

Source: Stephens County records, as of March 12, 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	642 ROSE LN, TOCCOA, GA 30577-8771
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2021	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE FIRM
Mar 1, 2021	Grant Deed, Transfer · FHA Mortgage MORTGAGE FIRM

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 26, 2021 · Amount on File
Deed Sale	Feb 26, 2021 · Amount on File
Deed Document Number	2021254
Deed Book / Page	1241 / 149
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	642 ROSE LN, TOCCOA, GA 30577-8771
Transaction Type	Mortgage
Record Updated	Feb 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6334 RANSOM FREE RD, CLERMONT, GA 30527-1302

Mortgage

Document Number	0012650000000118
Date	Aug 26, 2021
Book Page	0000001265/0000000118
Instrument	000466

Lender

Name	MORTGAGE FIRM

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

March 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STEPHENS GA
Recording Date	Mar 1, 2021
Property Address	642 ROSE LN, TOCCOA, GA 30577-8771
Document Number	0012410149
Book / Page	001241 / 000149
Instrument Date	Feb 26, 2021
Transaction Type	Transfer
Record Updated	Mar 11, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$208.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	642 ROSE LN TOCCOA GA 305778771, TOCCOA, GA 30577-8771

Mortgage

Document Number	12410152
Date	Mar 1, 2021
Book Page	001241/000152

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 28, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 642 Rose Ln was $2,565 with a homeowner's exemption.

Source: Stephens County assessment roll, as of March 12, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,565.00 Homeowner's exemption	$115,804 Land $6,520 Building $109,284	$289,509 Land $16,300 Building $273,209
2023	$2,037.00 (+3.3%) Homeowner's exemption	$70,436 (+6.33%) Land $6,520 Building $63,916	$176,091 (+6.33%) Land $16,300 Building $159,791
2022	$1,972.00 Homeowner's exemption	$66,245 Land $6,520 Building $59,725	$165,613 Land $16,300 Building $149,313

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.

Flood

FEMA maps place 642 Rose Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1999.

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	4 in force
Nearby Flood Claims	1 (1999)
Most Recent Claim	Oct 1999 · rainfall accumulation

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

Wildfire risk around 642 Rose Ln is moderate, ranking above 45% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · above 47% of Georgia
Wildfire Likelihood	0.08% annual chance
Exposure	None beyond 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 162 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TruVista Communications Fiber · Cable in parts of the area	5,000 / 5,000

May also be available: Point Broadband, T-Mobile, Windstream.

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