682 Rose Ln, Toccoa, GA 30577 Property Records

Stephens County property record for 682 Rose Ln, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,172 sqft · built 1979
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on Record
Last Sale	$210,000 (Nov 2021)
Tax Bill	$2,361 (2025)
Deeds & Mortgages	May 2021 Mortgage Dec 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`043 006`

Property Details

APN / Parcel Number

Primary APN	`043 006`
Alternative APN	`462400`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,172 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 2000
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	21,780 sqft (0.5 acres)
Terrain	Gentle Slope
Garage Area	432 sqft

Exterior Amenities

Porch	Slab
Porch Area	388 sqft
Patio Area	500 sqft
Canopy	370 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	462400
Street Address	682 ROSE LN
City	TOCCOA
State	GA
Zip	30577-8771
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	ROSE LANE LOT
Legal Subdivision	0203 - PRIMARY - SF
Jurisdiction	STEPHENS GA
Township / Civil Division	TOCCOA
Census Block Group	2
Census Block	2006
Census Tract	970302

Owner

Source: Stephens County records, as of March 12, 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 Record
Mailing Address	682 ROSE LN, TOCCOA, GA 30577-8771
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
Dec 6, 2021	Deed of Trust, Mortgage · FHA Mortgage FIRST OPTION MORTGAGE
Nov 5, 2021	Warranty Deed, Transfer
Sep 13, 2017	Grant Deed, Transfer · FHA Mortgage HOMESTAR FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 5, 2021 · Amount on Record
Deed Sale	Nov 5, 2021 · Amount on Record
Prior Sale	Sep 12, 2017 · Amount on Record
Deed Document Number	20211561
Deed Book / Page	1277 / 215
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	682 ROSE LN, TOCCOA, GA 30577-8771
Transaction Type	Mortgage
Record Updated	Feb 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	682 ROSE LN, TOCCOA, GA 30577-8771

Mortgage

Document Number	0012520000000314
Date	May 24, 2021
Book Page	0000001252/0000000314

Lender

Name	REGIONS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	682 ROSE LN, TOCCOA, GA 30577-8771
Transaction Type	Mortgage
Record Updated	Jan 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	682 ROSE LN, TOCCOA, GA 30577-8771

Mortgage

Document Number	0012770000000218
Date	Dec 6, 2021
Book Page	0000001277/0000000218
Instrument	000744

Lender

Name	FIRST OPTION MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Nov 5, 2021
Property Address	682 ROSE LN, TOCCOA, GA 30577-8771
Document Number	0012770215
Book / Page	1277 / 215
Instrument Date	Nov 5, 2021
Instrument	2021-001561
Transaction Type	Transfer
Record Updated	Dec 27, 2021

Transaction

Amount	Amount Recorded
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	682 ROSE LN, TOCCOA, GA 30577-8771

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STEPHENS GA
Recording Date	Sep 13, 2017
Property Address	682 ROSE LN, TOCCOA, GA 30577-8771
Document Number	0011310150
Book / Page	001131 / 000150
Instrument Date	Sep 12, 2017
Transaction Type	Transfer
Record Updated	Nov 29, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$117.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	682 ROSE LN TOCCOA GA 305778771, TOCCOA, GA 30577-8771

Mortgage

Document Number	11310152
Date	Sep 13, 2017
Book Page	001131/000152

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 12, 2047

Tax Assessment & Valuation

Source: Stephens County assessment roll, as of March 12, 2026

Property Jurisdictions

Type	Name
State	Georgia
County	Stephens County
Unified School District	Stephens County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,361.00 (+24.66%) Homeowner's exemption	$106,062 (+61.58%) Land $2,705 Building $103,357	$265,155 (+61.58%) Land $6,762 Building $258,393
2023	$1,894.00 (+2.88%)	$65,639 (+6.08%) Land $2,705 Building $62,934	$164,098 (+6.09%) Land $6,762 Building $157,336
2022	$1,841.00	$61,874 Land $2,705 Building $59,169	$154,685 Land $6,762 Building $147,923

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.

Flood

Source: FEMA National Flood Hazard Layer, effective September 26, 2008 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (1999)
Most Recent Claim	Oct 1999 · rainfall accumulation

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 45% of the US · above 45% of Georgia
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 162 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TruVista Communications Fiber · Cable in parts of the area	5,000 / 5,000

May also be available: Point Broadband, T-Mobile, Windstream.

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