90 Elm Dr, Toccoa, GA 30577 Property Records

Stephens County property record for 90 Elm Dr, Toccoa, GA 30577 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,675 sqft · built 1972
Lot Size	0.36 acres (15,682 sqft)
Owner	Individual Name on File
Last Sale	$239,000 (Jul 2022)
Tax Bill	$3,236 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Jul 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T25 092`

Property Details

APN / Parcel Number

Primary APN	`T25 092`
Alternative APN	`686200`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,675 sqft Heated Area
Basement Area	506 sqft
Finished Basement	506 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 2005
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,682 sqft (0.36 acres)
Terrain	Gentle Slope
Garage Area	500 sqft
Deck Area	120 sqft
Patio Area	552 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	686200
Street Address	90 ELM DR
City	TOCCOA
State	GA
Zip	30577-3200
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT LOT 21 PINE VALLEY EXT S/D
Legal Subdivision	PINE VALLEY
Legal Lot Number	21
Jurisdiction	STEPHENS GA
Township / Civil Division	TOCCOA
Census Block Group	3
Census Block	3000
Census Tract	970102

Owner

Source: Stephens County records · APN T25 092

Assessment roll updated March 12, 2026 · Last verified June 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 File
Mailing Address	90 ELM DR, TOCCOA, GA 30577-3200
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2022	Deed of Trust, Mortgage · VA Mortgage HOMESPIRE MORTGAGE
Jul 13, 2022	Warranty Deed, Transfer
Jul 13, 2022	Warranty Deed, Transfer · VA Mortgage HOMESPIRE MORTGAGE
Sep 18, 2020	Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 14, 2022 · Amount on Record
Deed Sale	Jul 14, 2022 · Amount on Record
Prior Sale	Sep 09, 2020 · Amount on Record
Deed Document Number	20221059
Deed Book / Page	1304 / 8
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	90 ELM DR, TOCCOA, GA 30577-3200
Transaction Type	Mortgage
Record Updated	Nov 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	90 ELM DR, TOCCOA, GA 30577-3200

Mortgage

Document Number	0013040000000010
Date	Jul 14, 2022
Book Page	0000001304/0000000010
Instrument	001155

Lender

Name	HOMESPIRE MORTGAGE

Agreement

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

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Jul 13, 2022
Property Address	90 ELM DR, TOCCOA, GA 30577-3200
Document Number	0013040008
Book / Page	1304 / 8
Instrument Date	Jul 13, 2022
Instrument	2022-001059
Transaction Type	Transfer
Record Updated	Nov 30, 2022

Transaction

Amount	Amount Recorded
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	90 ELM DR, TOCCOA, GA 30577-3200

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Jul 13, 2022
Property Address	90 ELM DR, TOCCOA, GA 30577-3200
Document Number	0013040008
Book / Page	1304 / 8
Instrument Date	Jul 13, 2022
Instrument	2022-001059
Transaction Type	Transfer
Record Updated	Apr 02, 2026

Transaction

Amount	Amount Recorded
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	90 ELM DR, TOCCOA, GA 30577-3200

Mortgage

Document Number	0000001155
Date	Jul 13, 2022
Instrument	001155

Lender

Name	HOMESPIRE MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	354 Months
Due	Jan 01, 2052

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Sep 18, 2020
Property Address	90 ELM DR, TOCCOA, GA 30577-3200
Document Number	0012230079
Book / Page	001223 / 000079
Instrument Date	Sep 09, 2020
Transaction Type	Transfer
Record Updated	Sep 30, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$176.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	90 ELM DR TOCCOA GA 305773200, TOCCOA, GA 30577-3200

Mortgage

Document Number	12230081
Date	Sep 18, 2020
Book Page	001223/000081

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 17, 2050

Tax Assessment & Valuation

Source: Stephens County records · Assessment roll updated March 12, 2026 · Last verified June 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 and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,236.00 (+58.01%)	$92,772 (+60.16%) Land $3,482 Building $89,290	$231,929 (+60.16%) Land $8,704 Building $223,225
2023	$2,048.00 (+5.95%)	$57,924 (+5.95%) Land $3,482 Building $54,442	$144,810 (+5.95%) Land $8,704 Building $136,106
2022	$1,933.00	$54,671 Land $3,482 Building $51,189	$136,677 Land $8,704 Building $127,973

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Stephens County (13257C), updated September 26, 2008 · 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

Wildfire

Wildfire Risk	Moderate above 43% of the US · above 35% of Georgia
Wildfire Likelihood	About 1 in 1,613 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 142 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Uniti Group	Fiber	2,000 / 2,000
TruVista Communications	Cable	500 / 50
AT&T	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

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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