644 Acre Est, Toccoa, GA 30577 Property Records

Stephens County property record for 644 Acre Est, Toccoa, GA 30577 · Last verified March 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	5 Beds
Bathrooms	5 Baths
Year Built	Built 1985
Square Footage	4,217 sqft Heated Area
Lot Size	30,056 sqft (0.689 acres)
Occupancy	Owner Occupied
Last Sale	$220,000 (2019)
Tax Bill	$2,596.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`042D 116`
Alternative APN	`393550`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Partial Baths	1 Partial Baths
Total Rooms	11 Rooms
Building Area	4,217 sqft Heated Area
Basement Area	2,145 sqft Basement
Finished Basement	1,000 sqft Finished
Unfinished Basement	1,145 sqft Unfinished
Stories	2 Stories
Interior Structure	Wallboard/Drywall Interior Structure
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1985
Architectural Style	Conventional Style
Exterior Material	Brick Exterior
Construction Type	Frame Construction
Roof Construction	Gable Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	30,056 sqft (0.689 acres)
Parking Spaces	2 Parking Spaces
Garage Area	1,131 sqft Garage

Exterior Amenities

Patio Area	276 sqft Patio
Porch	Porch
Porch Area	276 sqft Porch
Topography	Gentle Slope Topography

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air Heating
Heating Fuel	Gas Heating Fuel

Location & Zoning

Account Number	393550
Old Parcel Number	042D 116
Street Address	644 ACRE EST
City	TOCCOA
State	GA
Zip	30577-8137
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LOT 1 BLK C PHS 1 ACRE ESTATES S/D
Legal Subdivision	ACRE ESTATES
Legal Phase	1
Legal Block	C
Legal Lot Number	1
Jurisdiction	STEPHENS GA
Minor Civil Division	ROCK CREEK
Census Blockgroup	1
Census Block	1006
Census Tract	970202

Owner

Source: Stephens County records · APN 042D 116

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	644 ACRE EST, TOCCOA, GA 30577-8137
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	May 31, 2019 · Amount on Record
Deed Sale	May 31, 2019 · Amount on Record
Deed Doc Number	0000011801
Deed Book / Page	1180 / 1
Last Transfer Date	Jun 04, 2019
Transfer Doc	0011800001
Record Refreshed	Jun 08, 2026

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STEPHENS GA
Recording Date	Jun 04, 2019
Property Address	644 ACRE EST, TOCCOA, GA 30577-8137
Document Number	0011800001
Book / Page	001180 / 000001
Instrument Date	May 31, 2019
Transaction Type	Transfer
Record Updated	Jun 27, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$220.00
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenant/Joint Tenant w/ Right Of Survivorship
Address	644 ACRE EST TOCCOA GA 305778137, TOCCOA, GA 30577-8137

Mortgage

Document Number	11800003
Date	Jun 04, 2019
Book Page	001180/000003

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	Veterans Administration Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 03, 2034

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
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	$2,596.00 (+39.57%) Homeowner's exemption Senior Citizen's exemption	$155,604 (+59.76%) Land $5,645 Building $149,959	$389,010 (+59.76%) Land $14,113 Building $374,897
2023	$1,860.00 (-32.29%) Homeowner's exemption	$97,396 (+5.51%) Land $5,645 Building $91,751	$243,490 (+5.51%) Land $14,113 Building $229,377
2022	$2,747.00 Homeowner's exemption	$92,306 Land $5,645 Building $86,661	$230,765 Land $14,113 Building $216,652

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Stephens County (13257C), updated September 26, 2008 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Moderate above 45% of the US · above 42% of Georgia
Wildfire Likelihood	About 1 in 1,075 per year
Exposure	Direct burnable vegetation at the parcel

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