652 Cawthon Rd, Toccoa, GA 30577 Property Records

Stephens County property record for 652 Cawthon Rd, Toccoa, GA 30577 · Last verified March 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,584 sqft · built 1993
Lot Size	1.5 acres (65,340 sqft)
Owner	Individual Name on File
Last Sale	$268,000 (Jan 2024)
Tax Bill	$2,349 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Jan 2024 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`021D 051`

Property Details

APN / Parcel Number

Primary APN	`021D 051`
Alternative APN	`504663`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,584 sqft Heated Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2011
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	65,340 sqft (1.5 acres)
Garage Area	234 sqft
Porch	Porch
Porch Area	24 sqft
Utility Building	234 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	504663
Old Parcel Number	021D 051
Street Address	652 CAWTHON RD
City	TOCCOA
State	GA
Zip	30577-7277
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9 CAWTHON RD
Legal Lot Number	9
Jurisdiction	STEPHENS GA
Township / Civil Division	MARTIN-AVALON
Census Block Group	2
Census Block	2030
Census Tract	970401

Owner

Source: Stephens County records · APN 021D 051

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	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	652 CAWTHON RD, TOCCOA, GA 30577-7277
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES
Jan 11, 2024	Warranty Deed, Transfer
Oct 05, 2022	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Oct 13, 2020	Loan Modification, Mortgage · Conventional Mortgage PENNYMAC
Dec 11, 2019	Grant Deed, Transfer · FHA Mortgage HOMESTAR FIN'L

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 11, 2024 · Amount on Record
Deed Sale	Jan 11, 2024 · Amount on Record
Prior Sale	Oct 05, 2022 · Amount on Record
Deed Document Number	0001354135
Deed Book / Page	1354 / 135
Record Updated	Jun 08, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	652 CAWTHON RD, TOCCOA, GA 30577-7277
Transaction Type	Mortgage
Record Updated	Feb 09, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	652 CAWTHON RD, TOCCOA, GA 30577-7277

Mortgage

Document Number	0012700000000160
Date	Oct 11, 2021
Book Page	0000001270/0000000160

Lender

Name	PENNYMAC LOAN SERVICES

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2051

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Jan 11, 2024
Property Address	652 CAWTHON RD, TOCCOA, GA 30577-7277
Document Number	0013540135
Book / Page	1354 / 135
Instrument Date	Jan 11, 2024
Transaction Type	Transfer
Record Updated	Feb 05, 2024

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	652 CAWTHON RD, TOCCOA, GA 30577-7277

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Oct 05, 2022
Property Address	652 CAWTHON RD, TOCCOA, GA 30577-7277
Document Number	0013110222
Book / Page	1311 / 222
Instrument Date	Oct 05, 2022
Instrument	2022-001420
Transaction Type	Transfer
Record Updated	Nov 30, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	652 CAWTHON RD, TOCCOA, GA 30577-7277

Mortgage

Document Number	0013110000000225
Date	Oct 05, 2022
Book Page	0000001311/0000000225
Instrument	001636

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2052

October 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	STEPHENS GA
Property Address	652 CAWTHON RD, TOCCOA, GA 30577-7277
Document Number	0012300475
Instrument Date	Oct 13, 2020
Transaction Type	Mortgage
Record Updated	Dec 22, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	652 CAWTHON RD TOCCOA GA 305777277, TOCCOA, GA 30577-7277

Mortgage

Document Number	0012300475
Date	Dec 02, 2020
Book Page	001230/000475

Lender

Name	PENNYMAC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 01, 2050

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STEPHENS GA
Recording Date	Dec 11, 2019
Property Address	652 CAWTHON RD, TOCCOA, GA 30577-7277
Document Number	0011960350
Book / Page	001196 / 000350
Instrument Date	Dec 06, 2019
Transaction Type	Transfer
Record Updated	Dec 22, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$123.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	652 CAWTHON RD TOCCOA GA 305777277, TOCCOA, GA 30577-7277

Mortgage

Document Number	11960352
Date	Dec 11, 2019
Book Page	001196/000352

Lender

Name	HOMESTAR FIN'L
Type	Funding / Finance Company
Address	GAINESVILLE, GA 30501

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 10, 2049

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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,349.00 (+32.11%) Homeowner's exemption	$106,143 (+77.65%) Land $4,964 Building $101,179	$265,357 (+77.66%) Land $12,409 Building $252,948
2023	$1,778.00 (+23.56%)	$59,747 (+23.58%) Land $4,964 Building $54,783	$149,366 (+23.58%) Land $12,409 Building $136,957
2022	$1,439.00	$48,345 Land $4,964 Building $43,381	$120,862 Land $12,409 Building $108,453

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Stephens County (13257C), updated September 26, 2008 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 132579704012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Moderate above 52% of the US · above 70% of Georgia
Wildfire Likelihood	About 1 in 862 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 25 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
TruVista Communications	Cable	500 / 50
Verizon	Fixed Wireless	300 / 20
Uniti Group	DSL	200 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: TruVista Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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