Stephens County property record for 78 Wards Cir, Toccoa, GA 30577
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,183 sqft · built 1958 |
| Lot Size | 0.42 acres (18,295 sqft) |
| Owner | Individual Name on File |
| Last Sale | $150,000 (Oct 2021) |
| Tax Bill | $1,428 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Oct 2021 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 021 039A |
| Primary APN | 021 039A |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,183 sqft Heated Area |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Roof Type | Hip |
| Roof Material | Metal |
| Lot Area | 18,295 sqft (0.42 acres) |
| Deck Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 541005 |
|---|---|
| Street Address | 78 WARDS CIR |
| City | TOCCOA |
| State | GA |
| Zip | 30577-8566 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS |
| Legal Description | WARDS CIR (BRICK HOUSE) |
| Legal Subdivision | 0100 - PRIMARY - SF |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | MARTIN-AVALON |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 970401 |
Source: Stephens County records · APN 021 039A
Assessment roll updated March 12, 2026 · Last verified August 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 | 78 WARDS CIR, TOCCOA, GA 30577-8566 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 18, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE FIRM |
| Oct 15, 2021 | Warranty Deed, Transfer · FHA Mortgage MORTGAGE FIRM |
| Jun 10, 2021 | Warranty Deed, Transfer |
| Oct 22, 2019 | Quit Claim Deed, Mortgage · Conventional Mortgage OCONEE FED'L S&L ASSN |
| Aug 07, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 15, 2021 · Amount on Record |
| Deed Sale | Oct 15, 2021 · Amount on Record |
| Prior Sale | Jun 10, 2021 · Amount on Record |
| Deed Document Number | 20211474 |
| Deed Book / Page | 1271 / 434 |
| Prior Transfer Date | Oct 21, 2019 |
| Prior Transfer Doc | 0011920174 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 78 WARDS CIR, TOCCOA, GA 30577-8566 |
| Transaction Type | Mortgage |
| Record Updated | Mar 01, 2024 |
| Name | Verified Name |
|---|---|
| Address | 78 WARDS CIR, TOCCOA, GA 30577-8566 |
| Document Number | 0012710000000449 |
|---|---|
| Date | Oct 18, 2021 |
| Book Page | 0000001271/0000000449 |
| Name | MORTGAGE FIRM |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Oct 15, 2021 |
| Property Address | 78 WARDS CIR, TOCCOA, GA 30577-8566 |
| Document Number | 0012710434 |
| Book / Page | 1271 / 434 |
| Instrument Date | Oct 15, 2021 |
| Instrument | 2021-001474 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2025 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 78 WARDS CIR, TOCCOA, GA 30577-8566 |
| Document Number | 0001271436 |
|---|---|
| Date | Oct 15, 2021 |
| Instrument | 1271/436 |
| Name | MORTGAGE FIRM |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 351 Months |
| Due | Jan 01, 2051 |
| Document Number | 0012710000000449 |
|---|---|
| Date | Oct 18, 2021 |
| Book Page | 0000001271/0000000449 |
| Name | MORTGAGE FIRM |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Jun 10, 2021 |
| Property Address | 78 WARDS CIR, TOCCOA, GA 30577-8566 |
| Document Number | 0012550063 |
| Book / Page | 1255 / 63 |
| Instrument Date | Jun 10, 2021 |
| Instrument | 2021-000869 |
| Transaction Type | Transfer |
| Record Updated | Jul 05, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 189 HERITAGE LN, TOCCOA, GA 30577-9171 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Oct 22, 2019 |
| Property Address | 78 WARDS CIR, TOCCOA, GA 30577-8566 |
| Document Number | 0011920174 |
| Book / Page | 001192 / 000174 |
| Instrument Date | Oct 21, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 11, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 78 WARDS CIR TOCCOA GA 305778566, TOCCOA, GA 30577-8566 |
| Document Number | 11920176 |
|---|---|
| Date | Oct 22, 2019 |
| Book Page | 001192/000176 |
| Name | OCONEE FED'L S&L ASSN |
|---|---|
| Type | Federal Savings Bank |
| Address | 115 E NORTH 2ND ST, SENECA, SC 29678-3201 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 21, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Aug 07, 2019 |
| Property Address | 78 WARDS CIR, TOCCOA, GA 30577-8566 |
| Document Number | 0011850426 |
| Book / Page | 001185 / 000426 |
| Instrument Date | Aug 05, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 78 WARDS CIR TOCCOA GA 305778566, TOCCOA, GA 30577-8566 |
Source: Stephens County records · Assessment roll updated March 12, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Georgia |
| County | Stephens County |
| Unified School District | Stephens County School District (PK - 12) |
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 | $1,428.00 (+28.42%) Homeowner's exemption | $65,842 (+67.18%) Land $1,625 Building $64,217 | $164,605 (+67.18%) Land $4,063 Building $160,542 |
| 2023 | $1,112.00 (+1.28%) Homeowner's exemption | $39,385 (+6.78%) Land $1,625 Building $37,760 | $98,462 (+6.78%) Land $4,063 Building $94,399 |
| 2022 | $1,098.00 Homeowner's exemption | $36,885 Land $1,625 Building $35,260 | $92,214 Land $4,063 Building $88,151 |
Source: FEMA National Flood Hazard Layer as of September 26, 2008 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Wildfire Risk | Moderate above 53% of the US · above 74% of Georgia |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| TruVista Communications Cable | 500 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 13 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOCCOA serves 28,711 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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