Stephens County property record for 738 Wards Cir, Toccoa, GA 30577
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,129 sqft · built 1979 |
| Lot Size | 2.94 acres (128,066 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,558 (2025) |
| Deeds & Mortgages | Feb 2023 Mortgage Oct 2021 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 021 043 |
| Primary APN | 021 043 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,129 sqft Heated Area |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1981 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 128,066 sqft (2.94 acres) |
| Terrain | Gentle Slope |
| Garage Type | Carport |
| Garage Area | 600 sqft |
| Carport | Carport |
| Carport Area | 600 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 125 sqft |
| Patio Area | 117 sqft |
| Utility Building | 140 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 542300 |
|---|---|
| Street Address | 738 WARDS CIR |
| City | TOCCOA |
| State | GA |
| Zip | 30577-3680 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS |
| Legal Description | OLD CORNELIA RD |
| Legal Subdivision | 0100 - PRIMARY - AC |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | MARTIN-AVALON |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 970401 |
Source: Stephens County records, as of September 14, 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 | 738 WARDS CIR, TOCCOA, GA 30577-3680 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 28, 2023 | Deed of Trust, Mortgage · Conventional Mortgage NORTH GEORGIA CREDIT UNION |
| Oct 4, 2021 | Warranty Deed, Transfer |
| Oct 4, 2021 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 4, 2021 |
| Deed Sale | Oct 4, 2021 |
| Prior Sale | Oct 2, 2000 |
| Deed Document Number | 20211439 |
| Deed Book / Page | 1270 / 447 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 738 WARDS CIR, TOCCOA, GA 30577-3680 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2023 |
| Name | Verified Name |
|---|---|
| Address | 738 WARDS CIR, TOCCOA, GA 30577-3680 |
| Document Number | 0013230000000002 |
|---|---|
| Date | Feb 28, 2023 |
| Book Page | 0000001323/0000000002 |
| Instrument | 2023000229 |
| Name | NORTH GEORGIA CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 1, 2038 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Oct 4, 2021 |
| Property Address | 738 WARDS CIR, TOCCOA, GA 30577-3680 |
| Document Number | 0012700447 |
| Book / Page | 1270 / 447 |
| Instrument Date | Oct 4, 2021 |
| Instrument | 2021-001439 |
| Transaction Type | Transfer |
| Record Updated | Nov 1, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 738 WARDS CIR, TOCCOA, GA 30577-3680 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Oct 4, 2021 |
| Property Address | 738 WARDS CIR, TOCCOA, GA 30577-3680 |
| Document Number | 0012700449 |
| Book / Page | 1270 / 449 |
| Instrument Date | Oct 4, 2021 |
| Instrument | 2021-001438 |
| Transaction Type | Transfer |
| Record Updated | Nov 1, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 738 WARDS CIR, TOCCOA, GA 30577-3680 |
Source: Stephens County assessment roll, as of March 12, 2026
| 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 | $2,558.00 (+48.29%) | $93,193 (+60.82%) Land $5,225 Building $87,968 | $232,982 (+60.82%) Land $13,063 Building $219,919 |
| 2023 | $1,725.00 (+5.63%) | $57,950 (+5.59%) Land $5,225 Building $52,725 | $144,875 (+5.59%) Land $13,063 Building $131,812 |
| 2022 | $1,633.00 | $54,880 Land $5,225 Building $49,655 | $137,201 Land $13,063 Building $124,138 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 56% of the US · above 83% of Georgia |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 8 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| TruVista Communications Cable | 500 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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