Stephens County property record for 808 Cawthon Rd, Toccoa, GA 30577
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,244 sqft · built 1995 |
| Lot Size | 1.5 acres (65,340 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $278,100 (Mar 2026) |
| Tax Bill | $2,657 (2025) |
| Deeds & Mortgages | Mar 2026 Sale & Mortgage May 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 021D 047 |
| Primary APN | 021D 047 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,244 sqft Heated Area |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 2008 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 65,340 sqft (1.5 acres) |
| Garage Area | 462 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 35 sqft |
| Deck Area | 160 sqft |
| Patio Area | 160 sqft |
| Utility Building | 126 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Electric |
| Account Number | 504666 |
|---|---|
| Street Address | 808 CAWTHON RD |
| City | TOCCOA |
| State | GA |
| Zip | 30577-7278 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS |
| Legal Description | LOTS 13 & 14A CAWTHON RD |
| Legal Subdivision | 0107 - PRIMARY - SF |
| Legal Lot Number | 13,14A |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | MARTIN-AVALON |
| Census Block Group | 2 |
| Census Block | 2030 |
| Census Tract | 970401 |
Source: Stephens County records, as of July 1, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 808 CAWTHON RD, TOCCOA, GA 30577-7278 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 20, 2026 | Limited Warranty Deed, Transfer · FHA Mortgage AMERICAN PACIFIC MORTGAGE |
| May 11, 2020 | Grant Deed, Transfer · FHA Mortgage HOMESTAR FIN'L |
| Apr 9, 2019 | Deed of Trust, Mortgage · Line of Credit NORTH GA CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 20, 2026 · Amount on Record |
| Deed Sale | Mar 20, 2026 · Amount on Record |
| Prior Sale | May 8, 2020 · Amount on Record |
| Deed Book / Page | 1443 / 127 |
| Record Updated | Sep 20, 2026 |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Mar 20, 2026 |
| Property Address | 808 CAWTHON RD, TOCCOA, GA 30577-7278 |
| Document Number | 0014430127 |
| Book / Page | 1443 / 127 |
| Instrument Date | Mar 18, 2026 |
| Transaction Type | Transfer |
| Record Updated | Jun 2, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2.78 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 808 CAWTHON RD, TOCCOA, GA 30577-7278 |
| Document Number | 0001443129 |
|---|---|
| Date | Mar 20, 2026 |
| Instrument | 1443/129 |
| Name | AMERICAN PACIFIC MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Jan 1, 2056 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | May 11, 2020 |
| Property Address | 808 CAWTHON RD, TOCCOA, GA 30577-7278 |
| Document Number | 0012090015 |
| Book / Page | 001209 / 000015 |
| Instrument Date | May 8, 2020 |
| Transaction Type | Transfer |
| Record Updated | Jun 3, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $162.00 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 808 CAWTHON RD TOCCOA GA 305777278, TOCCOA, GA 30577-7278 |
| Document Number | 12090017 |
|---|---|
| Date | May 11, 2020 |
| Book Page | 001209/000017 |
| Name | HOMESTAR FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | GAINESVILLE, GA 30501 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 10, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 808 CAWTHON RD, TOCCOA, GA 30577-7278 |
| Document Number | 0011760125 |
| Instrument Date | Apr 9, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 20, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 808 CAWTHON RD TOCCOA GA 305777278, TOCCOA, GA 30577-7278 |
| Document Number | 0011760125 |
|---|---|
| Date | Apr 22, 2019 |
| Book Page | 001176/000125 |
| Name | NORTH GA CU |
|---|---|
| Type | Credit Union |
| Address | TOCCOA, GA 30577 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 84 Months |
| Due | Apr 21, 2026 |
| Rate Type | Adjustable Rate |
|---|
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 | $2,657.00 (+45.99%) | $96,794 (+58.27%) Land $4,964 Building $91,830 | $241,985 (+58.27%) Land $12,409 Building $229,576 |
| 2023 | $1,820.00 | $61,159 Land $4,964 Building $56,195 | $152,896 Land $12,409 Building $140,487 |
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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