Stephens County property record for 896 S Pond St, Toccoa, GA 30577
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 3,462 sqft · built 1970 |
| Lot Size | 2.75 acres (119,790 sqft) |
| Owner | Individual Name on File |
| Last Sale | $160,000 (Nov 2016) |
| Tax Bill | $2,281 (2025) |
| Deeds & Mortgages | Jan 2017 Mortgage Jan 2019 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T21 129 |
| Primary APN | T21 129 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 3,462 sqft Heated Area |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 119,790 sqft (2.75 acres) |
| Terrain | Gentle Slope |
| Garage Type | Carport |
| Garage Area | 576 sqft |
| Carport | Carport |
| Carport Area | 576 sqft |
| Porch | Slab |
| Porch Area | 275 sqft |
| Utility Building | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 656000 |
|---|---|
| Street Address | 896 S POND ST |
| City | TOCCOA |
| State | GA |
| Zip | 30577-3504 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-II |
| Legal Description | PT LOTS 4,11,13 LOT 12 BLK 22 L M COLLINS S/D |
| Legal Subdivision | L M COLLINS S/D |
| Legal Block | 22 |
| Legal Lot Number | 12+ |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | TOCCOA |
| Census Block Group | 4 |
| Census Block | 4064 |
| Census Tract | 970301 |
896 S Pond St is owned and occupied by an individual who bought it in November 2016.
Source: Stephens County records, as of March 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 896 S POND ST, TOCCOA, GA 30577-3504 |
| 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 |
|---|---|
| Jan 20, 2017 | Deed of Trust, Mortgage · Conventional Mortgage AMERIS BANK |
| Jan 7, 2019 | Deed of Trust, Mortgage · Line of Credit PINNACLE BK |
| Mar 14, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 21, 2016 · Amount on File |
| Deed Sale | Nov 21, 2016 · Amount on File |
| Prior Sale | May 21, 2008 · Amount on File |
| Deed Document Number | 20162017-000056 |
| Deed Book / Page | 1112 / 106 |
| Prior Transfer Date | Jun 2, 2005 |
| Prior Transfer Doc | 0007190053 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 896 S POND ST, TOCCOA, GA 30577-3504 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0011120108 |
|---|---|
| Date | Jan 20, 2017 |
| Book Page | 1112/108 |
| Name | AMERIS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Dec 1, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 896 S POND ST, TOCCOA, GA 30577-3504 |
| Document Number | 0011680385 |
| Instrument Date | Jan 7, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2019 |
| Name | Verified Name |
|---|---|
| Address | 896 S POND ST TOCCOA GA 305773504, TOCCOA, GA 30577-3504 |
| Document Number | 0011680385 |
|---|---|
| Date | Jan 16, 2019 |
| Book Page | 001168/000385 |
| Name | PINNACLE BK |
|---|---|
| Type | Bank |
| Address | LAVONIA, GA 30553 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jan 15, 2029 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Mar 14, 2017 |
| Property Address | 896 S POND ST, TOCCOA, GA 30577-3504 |
| Document Number | 0011160103 |
| Book / Page | 001116 / 000103 |
| Instrument Date | Mar 10, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jun 1, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
The 2025 property tax bill for 896 S Pond St was $2,281 with exemptions applied.
Source: Stephens County assessment roll, as of March 12, 2026
| 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 | $2,281.00 Homeowner's exemption Senior Citizen's exemption | $100,429 Land $6,534 Building $93,895 | $251,072 Land $16,335 Building $234,737 |
| 2023 | $1,895.00 (-31.59%) Homeowner's exemption | $82,957 (+5.89%) Land $6,534 Building $76,423 | $207,392 (+5.89%) Land $16,335 Building $191,057 |
| 2022 | $2,770.00 Homeowner's exemption | $78,343 Land $6,534 Building $71,809 | $195,858 Land $16,335 Building $179,523 |
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 896 S Pond St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2009.
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 | 5 in force |
| Nearby Flood Claims | 1 (2009) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2009 · Severe Storms And Flooding |
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 896 S Pond St is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 88% of Georgia |
|---|---|
| Wildfire Likelihood | 0.04% 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 148 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 |
| TruVista Communications Cable · Fiber in parts of the area | 500 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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