955 N Edgewater Trl, Toccoa, GA 30577 Property Records

Stephens County property record for 955 N Edgewater Trl, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,771 sqft · built 2020
Lot Size	0.639 acres (27,878 sqft)
Owner	2 Individual Names on File
Last Sale	$145,000 (Apr 2019)
Tax Bill	$7,685 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Dec 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`056 045`

Property Details

APN / Parcel Number

Primary APN	`056 045`
Alternative APN	`284041`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	3,771 sqft Heated Area
Basement Area	1,959 sqft
Finished Basement	1,709 sqft
Unfinished Basement	250 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Architectural Style	Ranch
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	27,878 sqft (0.639 acres)
Garage Area	567 sqft
Porch	Porch
Patio Area	260 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Account Number	284041
Street Address	955 N EDGEWATER TRL
City	TOCCOA
State	GA
Zip	30577-2584
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 89 PH 2 SEC D CURRAHEE CLUB
Legal Subdivision	CURRAHEE CLUB
Legal Phase	2
Legal Lot Number	89
Jurisdiction	STEPHENS GA
Township / Civil Division	ROCK CREEK
Census Block Group	4
Census Block	4012
Census Tract	970202

Owner

955 N Edgewater Trl is owned and occupied by two individuals who bought it in April 2019.

Source: Stephens County records, as of March 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	955 N EDGEWATER TRL, TOCCOA, GA 30577-2584
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
Dec 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK VI
Dec 1, 2020	Deed of Trust, Mortgage BANK VI
Mar 4, 2020	Deed of Trust, Construction Loan · Line of Credit BANK VI
Oct 1, 2019	Quit Claim Deed, Transfer CALLOWAY TITLE AND ESCROW LLC, CALLOWAY TITLE & ESCROW LLC
Apr 30, 2019	Warranty Deed, Construction Loan · Construction Mortgage BANK VI
Sep 27, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 26, 2019 · Amount on File
Deed Sale	Apr 26, 2019 · Amount on File
Prior Sale	Sep 7, 2017
Deed Document Number	0001176487
Deed Book / Page	1176 / 487
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	955 N EDGEWATER TRL, TOCCOA, GA 30577-2584
Document Number	0012310085
Instrument Date	Dec 1, 2020
Transaction Type	Mortgage
Record Updated	Dec 17, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 5347 SEVIERVILLE TN 378645347, SEVIERVILLE, TN 37864-5347

Mortgage

Document Number	0012310085
Date	Dec 2, 2020
Book Page	001231/000085

Lender

Name	BANK VI
Type	Bank
Address	SALINA, KS 67402-0077

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Dec 1, 2040

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	955 N EDGEWATER TRL, TOCCOA, GA 30577-2584
Document Number	0012310069
Instrument Date	Dec 1, 2020
Transaction Type	Mortgage
Record Updated	Dec 17, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	955 N EDGEWATER TRL TOCCOA GA 305772584, TOCCOA, GA 30577-2584

Mortgage

Document Number	0012310069
Date	Dec 2, 2020
Book Page	001231/000069

Lender

Name	BANK VI
Type	Bank
Address	SALINA, KS 67401

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

March 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Recording Date	Mar 4, 2020
Property Address	955 N EDGEWATER TRL, TOCCOA, GA 30577-2584
Document Number	0012030510
Book / Page	001203 / 000510
Instrument Date	Mar 4, 2020
Transaction Type	Construction Loan
Record Updated	Mar 19, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 5347 SEVIERVILLE TN 378645347, SEVIERVILLE, TN 37864-5347

Mortgage

Document Number	12030510
Date	Mar 4, 2020
Book Page	001203/000510

Lender

Name	BANK VI
Type	Bank
Address	SALINA, KS 67402-0077

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Mar 3, 2021

Interest

Rate Type	Adjustable Rate

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STEPHENS GA
Recording Date	Oct 1, 2019
Property Address	955 N EDGEWATER TRL, TOCCOA, GA 30577-2584
Document Number	0011900286
Book / Page	001190 / 000286
Instrument Date	Sep 25, 2019
Transaction Type	Transfer
Record Updated	Oct 9, 2019
Title Company	CALLOWAY TITLE AND ESCROW LLC, CALLOWAY TITLE & ESCROW LLC

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	955 N EDGEWATER TRL TOCCOA GA 305772584, TOCCOA, GA 30577-2584

April 2019: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Apr 30, 2019
Property Address	955 N EDGEWATER TRL, TOCCOA, GA 30577-2584
Document Number	0011760487
Book / Page	001176 / 000487
Instrument Date	Apr 26, 2019
Transaction Type	Construction Loan
Record Updated	May 24, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$145.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	955 N EDGEWATER TRL TOCCOA GA 305772584, TOCCOA, GA 30577-2584

Mortgage

Document Number	11760492
Date	Apr 30, 2019
Book Page	001176/000492

Lender

Name	BANK VI
Type	Bank
Address	SALINA, KS 67402-0077

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Apr 29, 2020

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Sep 27, 2017
Property Address	955 N EDGEWATER TRL, TOCCOA, GA 30577-2584
Document Number	0011320195
Book / Page	001132 / 000195
Instrument Date	Sep 7, 2017
Transaction Type	Transfer
Record Updated	Dec 4, 2017
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Tax Assessment & Valuation

The 2025 property tax bill for 955 N Edgewater Trl was $7,685 with a homeowner's exemption.

Source: Stephens County assessment roll, as of July 1, 2025

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	$7,685.00 Homeowner's exemption	$340,519 Land $20,930 Building $319,589	$851,296 Land $52,324 Building $798,972
2023	$6,195.00 (+5.09%) Homeowner's exemption	$210,125 (+6.1%) Land $20,930 Building $189,195	$525,312 (+6.1%) Land $52,324 Building $472,988
2022	$5,895.00 Homeowner's exemption	$198,044 Land $20,930 Building $177,114	$495,110 Land $52,324 Building $442,786

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 955 N Edgewater 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 955 N Edgewater Trl is low, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 80% of Georgia
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	1,000 / 1,000

Cell Coverage

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

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