Stephens County property record for 86 Hayes St, Toccoa, GA 30577
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,287 sqft · built 1940 |
| Lot Size | 0.61 acres (26,572 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $100,000 (Jan 2020) |
| Tax Bill | $772 (2025) |
| Deeds & Mortgages | Aug 2023 Line of Credit Jan 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T27 053 |
| Primary APN | T27 053 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,287 sqft Heated Area |
| Basement Area | 1,245 sqft |
| Unfinished Basement | 1,245 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 26,572 sqft (0.61 acres) |
| Terrain | Gentle Slope |
| Porch | Porch |
|---|---|
| Porch Area | 168 sqft |
| Deck Area | 140 sqft |
| Patio Area | 140 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 675050 |
|---|---|
| Street Address | 86 HAYES ST |
| City | TOCCOA |
| State | GA |
| Zip | 30577-2696 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-IA |
| Legal Description | PT LOTS 10 & 11 BLK D HAYES S/D |
| Legal Subdivision | HAYES S/D |
| Legal Block | D |
| Legal Lot Number | 11,10 11 |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | TOCCOA |
| Census Block Group | 2 |
| Census Block | 2046 |
| Census Tract | 970102 |
86 Hayes St is owned and occupied by two individuals who acquired it in January 2020.
Source: Stephens County records, as of March 11, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 86 HAYES ST, TOCCOA, GA 30577-2696 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 21, 2023 | Deed of Trust, Mortgage · Line of Credit ACHIEVE LOANS |
| Jan 13, 2020 | Grant Deed, Transfer · Conventional Mortgage MOVEMENT MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 8, 2020 · Amount on File |
| Deed Sale | Jan 8, 2020 · Amount on File |
| Prior Sale | Aug 27, 2015 · Amount on File |
| Deed Document Number | 0001199272 |
| Deed Book / Page | 1199 / 272 |
| Last Transfer Date | Jan 13, 2020 |
| Transfer Doc | 0011990272 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 86 HAYES ST, TOCCOA, GA 30577-2696 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2025 |
| Name | Verified Name |
|---|---|
| Address | 86 HAYES ST, TOCCOA, GA 30577-2696 |
| Document Number | 0013400000000192 |
|---|---|
| Date | Aug 21, 2023 |
| Book Page | 0000001340/0000000192 |
| Name | ACHIEVE LOANS |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jan 1, 2038 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Jan 13, 2020 |
| Property Address | 86 HAYES ST, TOCCOA, GA 30577-2696 |
| Document Number | 0011990272 |
| Book / Page | 001199 / 000272 |
| Instrument Date | Jan 8, 2020 |
| Transaction Type | Transfer |
| Record Updated | Jan 24, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $100.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 86 HAYES ST TOCCOA GA 305772696, TOCCOA, GA 30577-2696 |
| Document Number | 11990273 |
|---|---|
| Date | Jan 13, 2020 |
| Book Page | 001199/000273 |
| Name | MOVEMENT MTG |
|---|---|
| Type | Mortgage Company |
| Address | INDIAN LAND, SC 29707 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 12, 2050 |
The 2025 property tax bill for 86 Hayes St was $772 with exemptions applied.
Source: Stephens County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Georgia |
| County | Stephens County |
| Municipality | Toccoa City |
| Unified School District | Stephens County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $772.00 Homeowner's exemption Senior Citizen's exemption | $60,753 Land $4,001 Building $56,752 | $151,883 Land $10,003 Building $141,880 |
| 2023 | $355.00 (-73.19%) Homeowner's exemption | $39,419 (+5.24%) Land $4,001 Building $35,418 | $98,548 (+5.24%) Land $10,003 Building $88,545 |
| 2022 | $1,324.00 Homeowner's exemption | $37,458 Land $4,001 Building $33,457 | $93,645 Land $10,003 Building $83,642 |
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.
FEMA maps place 86 Hayes St in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 86 Hayes St is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · lower than 89% of Georgia |
|---|---|
| Wildfire Likelihood | 0.03% 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 235 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Point Broadband Fiber | 1,000 / 1,000 |
| TruVista Communications Cable | 500 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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