870 Beaver Dam Rd, Toccoa, GA 30577 Property Records

Stephens County property record for 870 Beaver Dam Rd, Toccoa, GA 30577

Property Summary

Property Type	Seasonal / Vacation Home
Details	4 bd · 2.5 ba · 2,850 sqft · built 2002
Lot Size	3.59 acres (156,380 sqft)
Owner	Individual Name on Record
Last Sale	$240,000 (Dec 2017)
Tax Bill	$3,791 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Jan 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`027 010`

Property Details

APN / Parcel Number

Primary APN	`027 010`
Alternative APN	`478905`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,850 sqft Heated Area
Basement Area	1,200 sqft
Finished Basement	1,050 sqft
Unfinished Basement	150 sqft
Flooring	Softwood
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2006
Architectural Style	Ranch
Exterior Material	Logs
Construction Type	Log
Roof Type	Gable
Roof Material	Metal
Lot Area	156,380 sqft (3.59 acres)

Exterior Amenities

Porch	Slab
Porch Area	640 sqft
Deck Area	184 sqft
Patio Area	552 sqft
Utility Building	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	478905
Street Address	870 BEAVER DAM RD
City	TOCCOA
State	GA
Zip	30577-7029
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Local Zoning Code	RS
Legal Description	LOT 22A MOUNTAIN RIVER ESTATES
Legal Subdivision	MOUNTAIN RIVER ESTATES
Legal Lot Number	22A
Jurisdiction	STEPHENS GA
Township / Civil Division	TOCCOA
Census Block Group	1
Census Block	1012
Census Tract	970102

Owner

Source: Stephens County records, as of March 12, 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	870 BEAVER DAM RD, TOCCOA, GA 30577-7029
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO
Jan 8, 2018	Warranty Deed, Transfer · Conventional with PMI SILVERTON MTG SPECIALISTS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 29, 2017 · Amount on Record
Deed Sale	Dec 29, 2017 · Amount on Record
Prior Sale	Apr 16, 2009 · Amount on Record
Deed Document Number	20172018-000004
Deed Book / Page	1140 / 212
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	870 BEAVER DAM RD, TOCCOA, GA 30577-7029
Transaction Type	Mortgage
Record Updated	Feb 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	870 BEAVER DAM RD

Mortgage

Document Number	0012700000000365
Date	Oct 12, 2021
Book Page	0000001270/0000000365

Lender

Name	WELLS FARGO

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2036

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Jan 8, 2018
Property Address	870 BEAVER DAM RD, TOCCOA, GA 30577-7029
Document Number	0011400212
Book / Page	001140 / 000212
Instrument Date	Dec 29, 2017
Transaction Type	Transfer
Record Updated	Jan 16, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	870 BEAVER DAM RD TOCCOA GA 305777029, TOCCOA, GA 30577-7029

Mortgage

Document Number	11400213
Date	Jan 8, 2018
Book Page	001140/000213

Lender

Name	SILVERTON MTG SPECIALISTS
Type	Mortgage Company
Address	ATLANTA, GA 30361

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 7, 2048

Tax Assessment & Valuation

Source: Stephens County assessment roll, as of March 12, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,791.00 (+23.32%) Homeowner's exemption	$168,202 (+59.78%) Land $7,299 Building $160,903	$420,505 (+59.78%) Land $18,248 Building $402,257
2023	$3,074.00 (+3.92%) Homeowner's exemption	$105,268 (+5.93%) Land $7,299 Building $97,969	$263,170 (+5.93%) Land $18,248 Building $244,922
2022	$2,958.00 Homeowner's exemption	$99,379 Land $7,299 Building $92,080	$248,448 Land $18,248 Building $230,200

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.

Flood

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	1 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 55% of the US · above 79% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TruVista Communications Fiber	5,000 / 5,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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