685 Lakeside Rd, Toccoa, GA 30577 Property Records

Stephens County property record for 685 Lakeside Rd, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,644 sqft · built 2024
Lot Size	20.2 acres (883,832 sqft)
Owner	2 Individual Names on Record
Last Sale	$180,000 (Jun 2023)
Tax Bill	$3,332 (2025)
Deeds & Mortgages	Oct 2023 Mortgage May 2025 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`057 082`

Property Details

APN / Parcel Number

Primary APN	`057 082`
Alternative APNs	`104851` `288310`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,644 sqft Heated Area
Basement Area	2,644 sqft
Unfinished Basement	2,644 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Architectural Style	Ranch
Exterior Material	Fiber Cement Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	883,832 sqft (20.2 acres)
Terrain	Gentle Slope
Garage Area	1,128 sqft
Porch	Slab
Canopy	240 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	288310
Street Address	685 LAKESIDE RD
City	TOCCOA
State	GA
Zip	30577-7058
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Description	TRACT 2B LAKESIDE RD
Legal Subdivision	0400 - PRIMARY - AC
Legal Tract	2B
Jurisdiction	STEPHENS GA
Township / Civil Division	ROCK CREEK
Census Block Group	2
Census Block	2031
Census Tract	970201

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	2 Individual Names on Record
Mailing Address	685 LAKESIDE RD, TOCCOA, GA 30577-7058
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2023	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY FIRST BANK
May 20, 2025	Deed of Trust, Mortgage · Conventional Mortgage DOGWOOD STATE BANK
May 26, 2023	Warranty Deed, Transfer · Commercial Mortgage COMMUNITY FIRST BANK
Oct 12, 2021	Limited Warranty Deed, Transfer
Jun 11, 2018	Warranty Deed, Transfer ATTORNEY ONLY
Jun 11, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2023 · Amount on Record
Deed Sale	Jun 1, 2023 · Amount on Record
Prior Sale	Oct 12, 2021 · Amount on Record
Deed Document Number	2023604
Deed Book / Page	1332 / 167
Prior Transfer Date	Jun 5, 2018
Prior Transfer Doc	0011520189
Record Updated	Jun 8, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	685 LAKESIDE RD, TOCCOA, GA 30577-7058
Transaction Type	Mortgage
Record Updated	Mar 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2292 GREAT BELT CIR, MELBOURNE, FL 32940-7297

Mortgage

Document Number	0013460000000098
Date	Oct 13, 2023
Book Page	0000001346/0000000098

Lender

Name	COMMUNITY FIRST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	24 Months
Due	Jan 1, 2025

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	685 LAKESIDE RD, TOCCOA, GA 30577-7058
Transaction Type	Mortgage
Record Updated	Mar 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	685 LAKESIDE RD, TOCCOA, GA 30577-7058

Mortgage

Document Number	0014070000000246
Date	May 20, 2025
Book Page	0000001407/0000000246

Lender

Name	DOGWOOD STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2055

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	May 26, 2023
Property Address	685 LAKESIDE RD, TOCCOA, GA 30577-7058
Document Number	0013320167
Book / Page	1332 / 167
Instrument Date	May 26, 2023
Instrument	2023-000604
Transaction Type	Transfer
Record Updated	Mar 12, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	2292 GREAT BELT CIR, MELBOURNE, FL 32940-7297

Mortgage

Document Number	0000000767
Date	May 26, 2023
Instrument	000767

Lender

Name	COMMUNITY FIRST BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

October 2021: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Oct 12, 2021
Property Address	685 LAKESIDE RD, TOCCOA, GA 30577-7058
Document Number	0012700523
Book / Page	1270 / 523
Instrument Date	Oct 12, 2021
Instrument	2021-001434
Transaction Type	Transfer
Record Updated	Mar 12, 2026

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	1043 BAY BERRY LN, LAWRENCEVILLE, GA 30043-4605

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Jun 11, 2018
Property Address	685 LAKESIDE RD, TOCCOA, GA 30577-7058
Document Number	0011520188
Book / Page	001152 / 000188
Instrument Date	Jun 5, 2018
Transaction Type	Transfer
Record Updated	Jul 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$60.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STEPHENS GA
Recording Date	Jun 11, 2018
Property Address	685 LAKESIDE RD, TOCCOA, GA 30577-7058
Document Number	0011520189
Book / Page	001152 / 000189
Instrument Date	Jun 5, 2018
Transaction Type	Transfer
Record Updated	Jul 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

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	$3,332.00 (+189.49%) Homeowner's exemption Senior Citizen's exemption	$279,837 (+623.22%) Land $28,315 Building $251,522	$699,593 (+623.23%) Land $70,788 Building $628,805
2023	$1,151.00 (+36.7%)	$38,693 (+36.65%) Land $28,315 Building $10,378	$96,732 (+36.65%) Land $70,788 Building $25,944
2022	$842.00	$28,315 Land $28,315	$70,788 Land $70,788

Assessed value is set for property tax purposes, not a market price estimate; it is 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	2 in force

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 48% of the US · above 58% of Georgia
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	50 / 3

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Lakeside Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures