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97 Cheek Smith Rd, Toccoa, GA 30577 Property Records

Stephens County property record for 97 Cheek Smith Rd, Toccoa, GA 30577 · Last verified June 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,007 sqft · built 2015
Lot Size4.16 acres (181,210 sqft)
OwnerIndividual Name on File
Tax Bill$3,384 (2025)
Deeds & MortgagesApr 2026 Mortgage
Sep 2018 Line of Credit
Flood ZoneZone X (minimal risk)
APN017 050

Property Details

APN / Parcel Number

Primary APN017 050
Alternative APN
  • 551000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms7 Rooms
Stories1 Story
Building Area2,007 sqft Heated Area
Gross Area1,056 sqft
FlooringHardwood
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2015
Effective Year BuiltEffective 2015
Architectural StyleRanch
Exterior MaterialBrick/Stone
Construction TypeFrame
Foundation TypeNo Foundation
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area181,210 sqft (4.16 acres)
TerrainGentle Slope
Garage Area3,086 sqft
Parking Spaces9 Parking Spaces

Exterior Amenities

PorchSlab
Porch Area666 sqft
Patio Area714 sqft
Utility Building144 sqft
Total Buildings2 Buildings

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Account Number551000
Street Address97 CHEEK SMITH RD
CityTOCCOA
StateGA
Zip30577-6872
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCHEEK SMITH RD LOT
Legal Subdivision0300 - PRIMARY - AC
JurisdictionSTEPHENS GA
Township / Civil DivisionTOCCOA
Census Block Group1
Census Block1012
Census Tract970102

Owner

Source: Stephens County records · APN 017 050

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 RecordIndividual Name on File
Mailing Address97 CHEEK SMITH RD, TOCCOA, GA 30577-6872
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 06, 2026Deed of Trust, Mortgage
UNITED WHOLESALE LENDING
Sep 26, 2018Deed of Trust, Mortgage · Line of Credit
FIRST CITIZENS BK

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleNov 22, 1999
Deed SaleNov 22, 1999
Prior SaleOct 01, 1989 · Amount on Record
Record UpdatedSep 20, 2026

April 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSTEPHENS GA
Recording DateApr 06, 2026
Property Address97 CHEEK SMITH RD, TOCCOA, GA 30577-6872
Document Number0000000093
Book / Page1445 / 196
Instrument DateApr 01, 2026
Instrument202693
Transaction TypeMortgage
Record UpdatedJul 12, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address97 CHEEK SMITH RD, TOCCOA, GA 30577-6872

Mortgage

Document Number0000000093,
DateApr 06, 2026
Book Page1445/196
Instrument202693
Lender
NameUNITED WHOLESALE LENDING
Agreement
AmountAmount Recorded
Term360 Months
DueApr 01, 2056
Interest
Rate6%
Max Rate-1%

September 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSTEPHENS GA
Property Address97 CHEEK SMITH RD, TOCCOA, GA 30577-6872
Document Number0011620362
Instrument DateSep 26, 2018
Transaction TypeMortgage
Record UpdatedNov 14, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
Address97 CHEEK SMITH RD TOCCOA GA 305776872, TOCCOA, GA 30577-6872

Mortgage

Document Number0011620362
DateOct 19, 2018
Book Page001162/000362
Lender
NameFIRST CITIZENS BK
TypeBank
AddressRALEIGH, NC 27611-6592
Agreement
TypeLine of Credit
AmountAmount Recorded
Term300 Months
DueOct 18, 2043
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Stephens County records · Assessment roll updated March 12, 2026 · Last verified June 2026

Property Jurisdictions

TypeName
StateGeorgia
CountyStephens County
Unified School DistrictStephens County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$3,384.00 (+38.12%) Homeowner's exemption Senior Citizen's exemption$190,074 (+62.17%) Land $5,990 Building $184,084$475,185 (+62.17%) Land $14,976 Building $460,209
2023$2,450.00 Homeowner's exemption$117,204 Land $5,990 Building $111,214$293,010 Land $14,976 Building $278,034

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Stephens County (13257C), updated September 26, 2008 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 132579701021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies1 in force

Wildfire

Wildfire RiskModerate
above 57% of the US · above 84% of Georgia
Wildfire LikelihoodAbout 1 in 629 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 6 locations within about half a mile of this property, a small sample

ProviderTechnologyDownload / Upload (Mbps)
TruVista CommunicationsFiber5,000 / 5,000
Habersham Electric MembershipFiber1,000 / 1,000

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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