Stephens County property record for 65 Cottage Ln, Toccoa, GA 30577 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 3,582 sqft · built 2013 |
| Lot Size | 0.39 acres (16,988 sqft) |
| Owner | Individual Name on File |
| Last Sale | $640,000 (Sep 2021) |
| Tax Bill | $9,757 (2025) |
| Deeds & Mortgages | Sep 2021 Sale & Mortgage Mar 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 057 118 |
| Primary APN | 057 118 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 3,582 sqft Heated Area |
| Basement Area | 1,791 sqft |
| Finished Basement | 1,791 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Architectural Style | Ranch |
| Exterior Material | Fiber Cement Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 16,988 sqft (0.39 acres) |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 693 sqft |
| Patio Area | 364 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Electric |
| Account Number | 280297 |
|---|---|
| Street Address | 65 COTTAGE LN |
| City | TOCCOA |
| State | GA |
| Zip | 30577-2541 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 3 SECTION Y CURRAHEE CLUB |
| Legal Subdivision | CURRAHEE CLUB |
| Legal Lot Number | 3 |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | ROCK CREEK |
| Census Block Group | 4 |
| Census Block | 4013 |
| Census Tract | 970202 |
Source: Stephens County records · APN 057 118
Assessment roll updated March 12, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 550 CRESTHAVEN WALK, JOHNS CREEK, GA 30005-6783 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 30, 2021 | Warranty Deed, Transfer · Conventional Mortgage AMERIS BANK |
| Mar 23, 2020 | Warranty Deed, Transfer · Conventional Mortgage NORTHEAST GA BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 30, 2021 · Amount on Record |
| Deed Sale | Sep 30, 2021 · Amount on Record |
| Prior Sale | Mar 19, 2020 · Amount on Record |
| Deed Document Number | 20211411 |
| Deed Book / Page | 1269 / 346 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Sep 30, 2021 |
| Property Address | 65 COTTAGE LN, TOCCOA, GA 30577-2541 |
| Document Number | 0012690346 |
| Book / Page | 1269 / 346 |
| Instrument Date | Sep 30, 2021 |
| Instrument | 2021-001411 |
| Transaction Type | Transfer |
| Record Updated | Aug 04, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 550 CRESTHAVEN WALK, JOHNS CREEK, GA 30005-6783 |
| Document Number | 0012690000000350 |
|---|---|
| Date | Oct 06, 2021 |
| Book Page | 0000001269/0000000350 |
| Name | AMERIS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Mar 23, 2020 |
| Property Address | 65 COTTAGE LN, TOCCOA, GA 30577-2541 |
| Document Number | 0012050265 |
| Book / Page | 001205 / 000265 |
| Instrument Date | Mar 19, 2020 |
| Transaction Type | Transfer |
| Record Updated | Apr 27, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $640.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 65 COTTAGE LN TOCCOA GA 305772541, TOCCOA, GA 30577-2541 |
| Document Number | 12050268 |
|---|---|
| Date | Mar 23, 2020 |
| Book Page | 001205/000268 |
| Name | NORTHEAST GA BK |
|---|---|
| Type | Bank |
| Address | TOCCOA, GA 30577 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 36 Months |
| Due | Mar 22, 2023 |
Source: Stephens County records · Assessment roll updated March 12, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Georgia |
| County | Stephens County |
| Unified School District | Stephens County School District (PK - 12) |
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 | $9,757.00 (+47.08%) | $355,476 (+59.5%) Land $25,880 Building $329,596 | $888,690 (+59.5%) Land $64,700 Building $823,990 |
| 2023 | $6,634.00 | $222,873 Land $25,880 Building $196,993 | $557,182 Land $64,700 Building $492,482 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 46% of the US · above 47% of Georgia |
|---|---|
| Wildfire Likelihood | About 1 in 1,020 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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