Stephens County property record for 95 Terrace Dr, Toccoa, GA 30577
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,952 sqft · built 1940 |
| Lot Size | 2.24 acres (97,574 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,468 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | T26 102 |
| Primary APN | T26 102 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,952 sqft Heated Area |
| Basement Area | 1,424 sqft |
| Unfinished Basement | 1,424 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 97,574 sqft (2.24 acres) |
| Terrain | Gentle Slope |
| Garage Type | Mixed |
| Garage Area | 813 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Porch |
| Porch Area | 332 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 676400 |
|---|---|
| Street Address | 95 TERRACE DR |
| City | TOCCOA |
| State | GA |
| Zip | 30577-3094 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-IA |
| Legal Description | LOTS 9 & 10 PT 11 BLK B + 5-7 & 9 GARLAND |
| Legal Subdivision | GARLAND S D |
| Legal Block | B |
| Legal Lot Number | 6+ 10 |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | TOCCOA |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 970102 |
95 Terrace Dr is owned and occupied by an individual who acquired it in December 2008.
Source: Stephens County records, as of March 11, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 95 TERRACE DR, TOCCOA, GA 30577-3094 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 8, 2008 |
| Deed Sale | Dec 8, 2008 |
| Deed Document Number | 0000879375 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 95 Terrace Dr was $1,468 with exemptions applied.
Source: Stephens County assessment roll, as of July 1, 2025
| 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 | $1,468.00 Homeowner's exemption Senior Citizen's exemption | $83,380 Land $5,801 Building $77,579 | $208,449 Land $14,502 Building $193,947 |
| 2023 | $921.00 (-50.11%) Homeowner's exemption | $55,408 (+6.12%) Land $5,801 Building $49,607 | $138,519 (+6.12%) Land $14,502 Building $124,017 |
| 2022 | $1,846.00 Homeowner's exemption | $52,214 Land $5,801 Building $46,413 | $130,535 Land $14,502 Building $116,033 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 95 Terrace Dr in Zone X, an area of minimal flood risk.
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 | 2 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 risk around 95 Terrace Dr is moderate, ranking above 44% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 44% of the US · above 42% of Georgia |
|---|---|
| Wildfire Likelihood | 0.08% 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 112 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber | 2,000 / 2,000 |
| TruVista Communications Cable | 500 / 50 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Point Broadband.
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