92 Timber Ridge Trl, Toccoa, GA 30577 Property Records

Stephens County property record for 92 Timber Ridge Trl, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	6 bd · 4.5 ba · 4,880 sqft · built 2004
Lot Size	0.61 acres (26,572 sqft)
Owner	Individual Name on File
Last Sale	$590,000 (Aug 2021)
Tax Bill	$8,805 (2025)
Deeds & Mortgages	Aug 2021 Sale Dec 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`057 113`

Property Details

APN / Parcel Number

Primary APN	`057 113`
Alternative APN	`280208`

Interior

Bedrooms	6 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	16 Rooms
Stories	1 Story
Building Area	4,880 sqft Heated Area
Basement Area	3,113 sqft
Unfinished Basement	3,113 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Conventional
Exterior Material	Fiber Cement Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	26,572 sqft (0.61 acres)
Garage Area	528 sqft

Exterior Amenities

Porch	Slab
Porch Area	56 sqft
Deck Area	186 sqft
Patio Area	429 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	280208
Street Address	92 TIMBER RIDGE TRL
City	TOCCOA
State	GA
Zip	30577-2619
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 19 SEC C PHSE 1 CURRAHEE CLUB
Legal Subdivision	CURRAHEE CLUB
Legal Phase	1
Legal Lot Number	19
Jurisdiction	STEPHENS GA
Township / Civil Division	ROCK CREEK
Census Block Group	4
Census Block	4013
Census Tract	970202

Owner

92 Timber Ridge Trl is owned and occupied by an individual who bought it in August 2021.

Source: Stephens County records, as of March 12, 2026

Owner of Record	Individual Name on File
Mailing Address	92 TIMBER RIDGE TRL, TOCCOA, GA 30577-2619
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2021	Warranty Deed, Transfer
Dec 19, 2019	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 5, 2021 · Amount on File
Deed Sale	Aug 5, 2021 · Amount on File
Prior Sale	Mar 30, 2012 · Amount on File
Deed Document Number	20211134
Deed Book / Page	1262 / 372
Prior Transfer Date	Jul 1, 2013
Prior Transfer Doc	0010170476
Record Updated	Jun 8, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Aug 5, 2021
Property Address	92 TIMBER TRL, TOCCOA, GA 30577
Document Number	0012620372
Book / Page	1262 / 372
Instrument Date	Aug 5, 2021
Instrument	2021-001134
Transaction Type	Transfer
Record Updated	Aug 4, 2022

Transaction

Amount	Amount 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	2014 GALBRAITH DR, NASHVILLE, TN 37215-3407

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	92 TIMBER TRL, TOCCOA, GA 30577
Document Number	0011970290
Instrument Date	Dec 19, 2019
Transaction Type	Mortgage
Record Updated	Jan 16, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	92 TIMBER RIDGE TRL TOCCOA GA 305772619, TOCCOA, GA 30577-2619

Mortgage

Document Number	0011970290
Date	Dec 20, 2019
Book Page	001197/000290

Lender

Name	FIRST CITIZENS BK
Type	Bank
Address	RALEIGH, NC 27611-6592

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Dec 19, 2024

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 92 Timber Ridge Trl was $8,805 with a homeowner's exemption.

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	$8,805.00 Homeowner's exemption	$389,061 Land $11,748 Building $377,313	$972,652 Land $29,370 Building $943,282
2023	$7,120.00 Homeowner's exemption	$241,183 Land $11,748 Building $229,435	$602,957 Land $29,370 Building $573,587

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

FEMA maps place 92 Timber Ridge Trl in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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

Wildfire risk around 92 Timber Ridge Trl is moderate, ranking above 47% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 47% of the US · above 53% 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 35 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: HTC.

Cell Coverage

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

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