Stephens County property record for 726 Cawthon Rd, Toccoa, GA 30577
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,568 sqft · built 1996 |
| Lot Size | 1.5 acres (65,340 sqft) |
| Owner | Company Name on Record |
| Last Sale | $250,000 (Mar 2021) |
| Tax Bill | $3,205 (2025) |
| Deeds & Mortgages | Mar 2021 Sale & Mortgage Aug 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 021D 049 |
| Primary APN | 021D 049 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,568 sqft Heated Area |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 2015 |
| 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) |
| Terrain | Gentle Slope |
| Garage Area | 294 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 168 sqft |
| Deck Area | 180 sqft |
| Utility Building | 56 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Electric |
| Account Number | 504672 |
|---|---|
| Street Address | 726 CAWTHON RD |
| City | TOCCOA |
| State | GA |
| Zip | 30577-7277 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS |
| Legal Description | LOTS 11A &11B CAWTHON RD |
| Legal Subdivision | ALTON M ADAMS SURV |
| Legal Lot Number | 11A+ |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | MARTIN-AVALON |
| Census Block Group | 2 |
| Census Block | 2030 |
| Census Tract | 970401 |
Source: Stephens County records, as of March 11, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 219 GRAND PALM CT, PONTE VEDRA BEACH, FL 32082-0008 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Mar 3, 2021 | Grant Deed, Transfer · Conventional Mortgage OCONEE FED'L S&L ASSN |
| Aug 4, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 2, 2021 · Amount on Record |
| Deed Sale | Mar 2, 2021 · Amount on Record |
| Deed Document Number | 0001241349 |
| Deed Book / Page | 1241 / 349 |
| Last Transfer Date | Mar 3, 2021 |
| Transfer Doc | 0012410349 |
| Record Updated | Jun 8, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Mar 3, 2021 |
| Property Address | 726 CAWTHON RD, TOCCOA, GA 30577-7277 |
| Document Number | 0012410349 |
| Book / Page | 001241 / 000349 |
| Instrument Date | Mar 2, 2021 |
| Transaction Type | Transfer |
| Record Updated | Mar 24, 2021 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $250.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 726 CAWTHON RD TOCCOA GA 305777277, TOCCOA, GA 30577-7277 |
| Document Number | 12410352 |
|---|---|
| Date | Mar 3, 2021 |
| Book Page | 001241/000352 |
| Name | OCONEE FED'L S&L ASSN |
|---|---|
| Type | Federal Savings Bank |
| Address | CLEMSON, SC 29631-1613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Mar 2, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 726 CAWTHON RD, TOCCOA, GA 30577-7277 |
| Document Number | 0012200400 |
| Instrument Date | Aug 4, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 18, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 726 CAWTHON RD TOCCOA GA 305777277, TOCCOA, GA 30577-7277 |
| Document Number | 0012200400 |
|---|---|
| Date | Aug 25, 2020 |
| Book Page | 001220/000400 |
| Name | FIRST CITIZENS BK |
|---|---|
| Type | Bank |
| Address | TOCCOA, GA 30577 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 24, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
Source: Stephens County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Georgia |
| County | Stephens County |
| Unified School District | Stephens County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,205.00 (+49.98%) | $116,765 (+62.63%) Land $4,964 Building $111,801 | $291,911 (+62.63%) Land $12,409 Building $279,502 |
| 2023 | $2,137.00 (+6.11%) | $71,796 (+6.11%) Land $4,964 Building $66,832 | $179,489 (+6.11%) Land $12,409 Building $167,080 |
| 2022 | $2,014.00 | $67,663 Land $4,964 Building $62,699 | $169,157 Land $12,409 Building $156,748 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 51% of the US · above 69% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 25 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| TruVista Communications Cable · Fiber in parts of the area | 500 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Windstream DSL | 200 / 20 |
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