Stephens County property record for 935 Carnes Creek Rd, Toccoa, GA 30577
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4.5 ba · 1,897 sqft · built 1977 |
| Lot Size | 1.85 acres (80,586 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $170,000 (Jul 2018) |
| Tax Bill | $3,721 (2025) |
| Deeds & Mortgages | Aug 2022 Mortgage May 2021 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 032C 001 |
| Primary APN | 032C 001 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,897 sqft Heated Area |
| Basement Area | 756 sqft |
| Unfinished Basement | 756 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 80,586 sqft (1.85 acres) |
| Terrain | Rolling |
| Garage Area | 360 sqft |
| Pool Area | 648 sqft |
|---|---|
| Porch | Slab |
| Patio Area | 176 sqft |
| Utility Building | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 502900 |
|---|---|
| Street Address | 935 CARNES CREEK RD |
| City | TOCCOA |
| State | GA |
| Zip | 30577-3913 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS |
| Legal Description | TRACT 8 CARNES CREEK RD |
| Legal Subdivision | CARNES CREEK |
| Legal Tract | 8 |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | TOCCOA |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 970301 |
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 | 935 CARNES CREEK RD, TOCCOA, GA 30577-3913 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 25, 2022 | Deed of Trust, Mortgage · VA Mortgage US DEPARTMENT OF VETERANS AFFAIRS |
| May 26, 2021 | Warranty Deed, Transfer |
| Jul 27, 2018 | Grant Deed, Transfer · VA Mortgage OCONEE FED'L S&L ASSN |
| Mar 23, 2018 | Grant Deed, Construction Loan · Construction Mortgage ATHON & VERNETTE STUDDARD (CT) |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 25, 2018 · Amount on Record |
| Deed Sale | Jul 25, 2018 · Amount on Record |
| Prior Sale | Mar 22, 2018 · Amount on Record |
| Deed Document Number | 2018830 |
| Deed Book / Page | 1156 / 121 |
| Last Transfer Date | May 26, 2021 |
| Transfer Doc | 0012530092 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 935 CARNES CREEK RD, TOCCOA, GA 30577-3913 |
| Transaction Type | Mortgage |
| Record Updated | Oct 7, 2022 |
| Name | Verified Name |
|---|---|
| Address | 935 CARNES CREEK RD, TOCCOA, GA 30577-3913 |
| Document Number | 0013070000000382 |
|---|---|
| Date | Aug 25, 2022 |
| Book Page | 0000001307/0000000382 |
| Instrument | 001405 |
| Name | US DEPARTMENT OF VETERANS AFFAIRS |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 312 Months |
| Due | Jan 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | May 26, 2021 |
| Property Address | 935 CARNES CREEK RD, TOCCOA, GA 30577-3913 |
| Document Number | 0012530092 |
| Book / Page | 1253 / 92 |
| Instrument Date | May 26, 2021 |
| Instrument | 2021-000767 |
| Transaction Type | Transfer |
| Record Updated | Mar 12, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 935 CARNES CREEK RD, TOCCOA, GA 30577-3913 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Jul 27, 2018 |
| Property Address | 935 CARNES CREEK RD, TOCCOA, GA 30577-3913 |
| Document Number | 0011560121 |
| Book / Page | 001156 / 000121 |
| Instrument Date | Jul 25, 2018 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $170.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 935 CARNES CREEK RD TOCCOA GA 305773913, TOCCOA, GA 30577-3913 |
| Document Number | 11560122 |
|---|---|
| Date | Jul 27, 2018 |
| Book Page | 001156/000122 |
| Name | OCONEE FED'L S&L ASSN |
|---|---|
| Type | Federal Savings Bank |
| Address | SENECA, SC 29678 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 26, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Mar 23, 2018 |
| Property Address | 935 CARNES CREEK RD, TOCCOA, GA 30577-3913 |
| Document Number | 0011450194 |
| Book / Page | 001145 / 000194 |
| Instrument Date | Mar 22, 2018 |
| Transaction Type | Construction Loan |
| Record Updated | Apr 2, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $50.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3076 HOLLYWOOD HWY CLARKESVILLE GA 305234865, CLARKESVILLE, GA 30523-4865 |
| Document Number | 11450195 |
|---|---|
| Date | Mar 23, 2018 |
| Book Page | 001145/000195 |
| Name | ATHON & VERNETTE STUDDARD (CT) |
|---|---|
| Address | CUMMING, GA 30040 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Mar 22, 2019 |
Source: Stephens County assessment roll, as of March 12, 2026
| Type | Name |
|---|---|
| State | Georgia |
| County | Stephens County |
| Unified School District | Stephens County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,721.00 (+43.95%) | $135,577 (+56.08%) Land $4,623 Building $130,954 | $338,942 (+56.08%) Land $11,558 Building $327,384 |
| 2023 | $2,585.00 | $86,865 Land $4,623 Building $82,242 | $217,163 Land $11,558 Building $205,605 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 Cable | 500 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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