79 Terrace Dr, Toccoa, GA 30577 Property Records

Stephens County property record for 79 Terrace Dr, Toccoa, GA 30577 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,178 sqft · built 1936
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on File
Last Sale	$226,000 (Jun 2023)
Tax Bill	$3,181 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Sep 2022 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`T26 103`

Property Details

APN / Parcel Number

Primary APN	`T26 103`
Alternative APN	`676350`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,178 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1936
Effective Year Built	Effective 1978
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Metal
Lot Area	20,038 sqft (0.46 acres)
Terrain	Gentle Slope
Garage Type	Carport
Garage Area	460 sqft
Carport	Carport
Carport Area	460 sqft

Exterior Amenities

Porch	Slab
Porch Area	91 sqft
Deck Area	288 sqft
Patio Area	147 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	676350
Street Address	79 TERRACE DR
City	TOCCOA
State	GA
Zip	30577-3094
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT LOT 6, LOTS 7 & 8 GARLAND S/D
Legal Subdivision	GARLAND S/D
Legal Lot Number	6,7+8
Jurisdiction	STEPHENS GA
Township / Civil Division	TOCCOA
Census Block Group	2
Census Block	2017
Census Tract	970102

Owner

Source: Stephens County records · APN T26 103

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	2 Individual Names on File
Mailing Address	79 TERRACE DR, TOCCOA, GA 30577-3094
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 31, 2023	Warranty Deed, Transfer · Conventional Mortgage AMERICAN FINANCE
Sep 27, 2022	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE
Nov 01, 2021	Warranty Deed, Transfer
Feb 28, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Sep 29, 2017	Grant Deed, Transfer · Conventional with PMI HOMESTAR FIN'L
Jun 07, 2017	Deed in Lieu of Foreclosure, Foreclosure ATTORNEY ONLY
Jun 07, 2017	Deed in Lieu of Foreclosure, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 09, 2023 · Amount on Record
Deed Sale	Jun 09, 2023 · Amount on Record
Prior Sale	Sep 28, 2017 · Amount on Record
Deed Document Number	2023657
Deed Book / Page	1333 / 12
Prior Transfer Date	Nov 01, 2021
Prior Transfer Doc	0012740078
Record Updated	Sep 20, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	May 31, 2023
Property Address	79 TERRACE DR, TOCCOA, GA 30577-3094
Document Number	0013330012
Book / Page	1333 / 12
Instrument Date	May 31, 2023
Instrument	2023-000657
Transaction Type	Transfer
Record Updated	Jul 14, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	79 TERRACE DR, TOCCOA, GA 30577-3094
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000812
Date	May 31, 2023
Instrument	000812

Lender

Name	AMERICAN FINANCE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Jan 01, 2053

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	79 TERRACE DR, TOCCOA, GA 30577-3094
Transaction Type	Mortgage
Record Updated	Oct 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	79 TERRACE DR, TOCCOA, GA 30577-3094

Mortgage

Document Number	0013100000000290
Date	Sep 27, 2022
Book Page	0000001310/0000000290
Instrument	001579

Lender

Name	AMERISAVE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2052

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Nov 01, 2021
Property Address	79 TERRACE DR, TOCCOA, GA 30577-3094
Document Number	0012740078
Book / Page	1274 / 78
Instrument Date	Nov 01, 2021
Instrument	2021-001565
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	79 TERRACE DR, TOCCOA, GA 30577-3094

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STEPHENS GA
Recording Date	Feb 28, 2020
Property Address	79 TERRACE DR, TOCCOA, GA 30577-3094
Document Number	0012030199
Book / Page	001203 / 000199
Instrument Date	Feb 24, 2020
Transaction Type	Transfer
Record Updated	Mar 12, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	79 TERRACE DR TOCCOA GA 305773094, TOCCOA, GA 30577-3094

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STEPHENS GA
Recording Date	Sep 29, 2017
Property Address	79 TERRACE DR, TOCCOA, GA 30577-3094
Document Number	0011320299
Book / Page	001132 / 000299
Instrument Date	Sep 28, 2017
Transaction Type	Transfer
Record Updated	Jun 13, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$72.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	11320301
Date	Sep 29, 2017
Book Page	001132/000301

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 28, 2047

June 2017: Deed in Lieu of Foreclosure, Foreclosure

Document Type	Deed in Lieu of Foreclosure
Jurisdiction	STEPHENS GA
Recording Date	Jun 07, 2017
Property Address	79 TERRACE DR, TOCCOA, GA 30577-3094
Document Number	0011230470
Book / Page	001123 / 000470
Instrument Date	May 04, 2017
Transaction Type	Foreclosure
Record Updated	Jun 29, 2017
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Investor	Possibly a Property Investor

June 2017: Deed in Lieu of Foreclosure, Foreclosure

Document Type	Deed in Lieu of Foreclosure
Jurisdiction	STEPHENS GA
Recording Date	Jun 07, 2017
Property Address	79 TERRACE DR, TOCCOA, GA 30577-3094
Document Number	0011230466
Book / Page	001123 / 000466
Instrument Date	May 04, 2017
Transaction Type	Foreclosure
Record Updated	Jun 29, 2017
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Stephens County records · Assessment roll updated March 12, 2026 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,181.00 (+404.92%)	$91,199 (+89.66%) Land $3,893 Building $87,306	$227,996 (+89.66%) Land $9,732 Building $218,264
2023	$630.00 (-54.9%) Homeowner's exemption	$48,085 (+21.69%) Land $3,893 Building $44,192	$120,213 (+21.7%) Land $9,732 Building $110,481
2022	$1,397.00 Homeowner's exemption	$39,513 Land $3,893 Building $35,620	$98,781 Land $9,732 Building $89,049

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Stephens County (13257C), updated September 26, 2008 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 132579701022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Low above 32% of the US · above 9% of Georgia
Wildfire Likelihood	About 1 in 3,226 per year
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 235 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Uniti Group	Fiber	2,000 / 2,000
Point Broadband Fiber Holding	Fiber	1,000 / 1,000
TruVista Communications	Cable	500 / 50
Verizon	Fixed Wireless	300 / 20

May also be available at this address: Uniti Group. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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