Stephens County property record for 646 Prather Bridge Rd, Toccoa, GA 30577
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,898 sqft · built 1940 |
| Lot Size | 0.61 acres (26,572 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $543 (2025) |
| Deeds & Mortgages | Jul 2017 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | T25 060 |
| Primary APN | T25 060 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,898 sqft Heated Area |
| Attic Area | 1,156 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 26,572 sqft (0.61 acres) |
| Terrain | Gentle Slope |
| Porch | Porch |
|---|---|
| Porch Area | 200 sqft |
| Deck Area | 120 sqft |
| Patio Area | 120 sqft |
| Utility Building | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 687400 |
|---|---|
| Street Address | 646 PRATHER BRIDGE RD |
| City | TOCCOA |
| State | GA |
| Zip | 30577-1734 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-IA |
| Legal Description | PT LOTS 13 & 15, LOT 16 RIDGEVIEW HEIGHTS S/D |
| Legal Subdivision | RIDGEVIEW HEIGHTS |
| Legal Lot Number | 13,15 |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | TOCCOA |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 970102 |
Source: Stephens County assessment roll, as of July 1, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 646 PRATHER BRIDGE RD, TOCCOA, GA 30577-1734 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 27, 2009 |
| Deed Sale | Apr 27, 2009 |
| Record Updated | Jun 8, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 646 PRATHER BRIDGE RD, TOCCOA, GA 30577-1734 |
| Document Number | 0011270418 |
| Book / Page | 001127 / 000418 |
| Instrument Date | Jul 26, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2017 |
| Name | Verified Name |
|---|---|
| Address | 646 PRATHER BRG |
| Document Number | 0011270418 |
|---|---|
| Date | Jul 31, 2017 |
| Book Page | 001127/000418 |
| Name | STEPHENS FRANKLIN TEACHERS FCU |
|---|---|
| Address | PO BOX 697, TOCCOA, GA 30577-1410 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Jul 30, 2022 |
Source: Stephens County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Georgia |
| County | Stephens County |
| Municipality | Toccoa City |
| Unified School District | Stephens County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $543.00 (+152.56%) Homeowner's exemption Senior Citizen's exemption | $52,873 (+53.43%) Land $6,872 Building $46,001 | $132,184 (+53.43%) Land $17,181 Building $115,003 |
| 2023 | $215.00 Homeowner's exemption | $34,460 Land $6,872 Building $27,588 | $86,151 Land $17,181 Building $68,970 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · lower than 73% of Georgia |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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 |
| 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.
Source: FCC Broadband Data Collection, based on 142 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Uniti Group Fiber · DSL in parts of the area | 2,000 / 2,000 |
| TruVista Communications Cable | 500 / 50 |
| AT&T Fixed Wireless | 100 / 20 |
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