652 Watson St, Toccoa, GA 30577 Property Records

Stephens County property record for 652 Watson St, Toccoa, GA 30577 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 1992
Square Footage	1,855 sqft Heated Area
Lot Size	27,007 sqft (0.62 acres)
Occupancy	Owner Occupied
Last Sale	$130,000 (2020)
Tax Bill	$2,846.00 (2025)

Owner

Source: Stephens County records · APN T08 055

Assessment roll updated March 12, 2026 · Last verified April 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	652 WATSON ST, TOCCOA, GA 30577-1959
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 10, 2020 · Amount on Record
Deed Sale	Jul 10, 2020 · Amount on Record
Prior Sale	Jun 30, 1992 · Amount on Record
Deed Doc Number	2020734
Deed Book / Page	1215 / 492
Transfer Doc	0009470139
Record Refreshed	Jun 08, 2026

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STEPHENS GA
Recording Date	Jul 14, 2020
Property Address	652 WATSON ST, TOCCOA, GA 30577-1959
Document Number	0012150492
Book / Page	001215 / 000492
Instrument Date	Jul 10, 2020
Transaction Type	Transfer
Record Updated	Aug 04, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$130.00
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	652 WATSON ST TOCCOA GA 305771959, TOCCOA, GA 30577-1959

Mortgage

Document Number	12150494
Date	Jul 14, 2020
Book Page	001215/000494

Lender

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

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 13, 2050

Tax Assessment & Valuation

Source: Stephens County records · Assessment roll updated March 12, 2026 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Georgia
County	Stephens County
Municipality	Toccoa City
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	$2,846.00 (+58.82%)	$81,586 (+60.97%) Land $3,350 Building $78,236	$203,967 (+60.97%) Land $8,376 Building $195,591
2023	$1,792.00 (+6.86%)	$50,683 (+6.84%) Land $3,350 Building $47,333	$126,708 (+6.84%) Land $8,376 Building $118,332
2022	$1,677.00	$47,440 Land $3,350 Building $44,090	$118,601 Land $8,376 Building $110,225

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft

Wildfire

Wildfire Risk	Moderate above 52% of the US · above 72% of Georgia
Wildfire Likelihood	About 1 in 806 per year
Exposure	Direct burnable vegetation at the parcel

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

Property Details

APN / Parcel Number

Primary APN	`T08 055`
Alternative APN	`489550`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,855 sqft Heated Area
Basement Area	1,430 sqft Basement
Finished Basement	425 sqft Finished
Unfinished Basement	1,005 sqft Unfinished
Stories	1 Stories
Primary Flooring	Hardwood Flooring
Interior Structure	Wallboard/Drywall Interior Structure
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1992
Architectural Style	Ranch Style
Exterior Material	Brick Exterior
Construction Type	Frame Construction
Roof Construction	Gable Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	27,007 sqft (0.62 acres)
Garage Area	420 sqft Garage

Exterior Amenities

Deck Area	150 sqft Deck
Patio Area	150 sqft Patio
Porch Area	28 sqft Porch
Topography	Gentle Slope Topography

Utilities and HVAC

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

Location & Zoning

Account Number	489550
Street Address	652 WATSON ST
City	TOCCOA
State	GA
Zip	30577-1959
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LOT 5 HENDERSON FALLS ESTATES
Legal Subdivision	HENDERSON FALLS ESTATES
Legal Lot Number	5
Jurisdiction	STEPHENS GA
Minor Civil Division	TOCCOA
Census Blockgroup	2
Census Block	2033
Census Tract	970101