97 Cherokee Rd, Toccoa, GA 30577 Property Records

Stephens County property record for 97 Cherokee Rd, Toccoa, GA 30577 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,200 sqft · built 2019
Lot Size	0.67 acres (29,185 sqft)
Owner	2 Individual Names on File
Last Sale	$336,000 (May 2026)
Tax Bill	$2,834 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Nov 2022 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`049D 103`

Property Details

APN / Parcel Number

Primary APN	`049D 103`
Alternative APN	`362700`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,200 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Metal
Lot Area	29,185 sqft (0.67 acres)
Terrain	Gentle Slope

Exterior Amenities

Porch	Slab
Porch Area	192 sqft
Deck Area	117 sqft
Patio Area	117 sqft
Utility Building	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	362700
Street Address	97 CHEROKEE RD
City	TOCCOA
State	GA
Zip	30577-8337
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT LOT 17 LOT 18 CHEROKEE SPRINGS DEVELOPMENT
Legal Subdivision	CHEROKEE SPRINGS DEVELOPMENT
Legal Lot Number	17+
Jurisdiction	STEPHENS GA
Township / Civil Division	ROCK CREEK
Census Block Group	4
Census Block	4008
Census Tract	970202

Owner

Source: Stephens County records · APN 049D 103

Assessment roll updated March 12, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	97 CHEROKEE RD, TOCCOA, GA 30577-8337
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2026	Warranty Deed, Transfer · Conventional Mortgage STORY LENDING
Nov 30, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE
Oct 15, 2021	Warranty Deed, Transfer · FHA Mortgage KELLER MORTGAGE
Jun 12, 2020	Grant Deed, Transfer · Conventional Mortgage HOMESTAR FIN'L
Jun 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOMESTAR FIN'L
Oct 21, 2019	Trustee's Deed, Construction Loan · Line of Credit SOUTHERN BK
Aug 09, 2019	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 19, 2026 · Amount on Record
Deed Sale	May 19, 2026 · Amount on Record
Prior Sale	Dec 01, 2022 · Amount on Record
Deed Book / Page	1451 / 15
Prior Transfer Date	Jun 27, 2018
Prior Transfer Doc	0011530432
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	May 19, 2026
Property Address	97 CHEROKEE RD, TOCCOA, GA 30577-8337
Document Number	1451000015
Book / Page	1451 / 15
Instrument Date	May 07, 2026
Transaction Type	Transfer
Record Updated	Jul 20, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 CHEROKEE RD, TOCCOA, GA 30577-8337
Investor	Possibly a Property Investor

Mortgage

Document Number	1451000017,
Date	May 19, 2026
Book Page	1451/17

Lender

Name	STORY LENDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2056

Interest

Rate	6.37%
Max Rate	-1%

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Nov 30, 2022
Property Address	97 CHEROKEE RD, TOCCOA, GA 30577-8337
Document Number	0013160336
Book / Page	1316 / 336
Instrument Date	Nov 30, 2022
Instrument	2022-001650
Transaction Type	Transfer
Record Updated	Dec 26, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV 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	7350 DEVONHALL WAY, JOHNS CREEK, GA 30097-1866

Mortgage

Document Number	0013160000000339
Date	Dec 01, 2022
Book Page	0000001316/0000000339
Instrument	001952

Lender

Name	UNITED WHOLESALE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2052

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Oct 15, 2021
Property Address	97 CHEROKEE RD, TOCCOA, GA 30577-8337
Document Number	0012730023
Book / Page	1273 / 23
Instrument Date	Oct 15, 2021
Instrument	2021-001475
Transaction Type	Transfer
Record Updated	Nov 15, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV 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	93 CHEROKEE RD, TOCCOA, GA 30577-8337

Mortgage

Document Number	0012730000000025
Date	Oct 28, 2021
Book Page	0000001273/0000000025
Instrument	000612

Lender

Name	KELLER MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2051

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STEPHENS GA
Recording Date	Jun 12, 2020
Property Address	97 CHEROKEE RD, TOCCOA, GA 30577-8337
Document Number	0012120509
Book / Page	001212 / 000509
Instrument Date	Jun 10, 2020
Transaction Type	Transfer
Record Updated	Jul 02, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$215.00
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	97 CHEROKEE RD TOCCOA GA 30577, TOCCOA, GA 30577

Mortgage

Document Number	12120511
Date	Jun 12, 2020
Book Page	001212/000511

Lender

Name	HOMESTAR FIN'L
Type	Funding / Finance Company
Address	GAINESVILLE, GA 30501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 11, 2050

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	97 CHEROKEE RD, TOCCOA, GA 30577-8337
Document Number	0012270023
Instrument Date	Jun 10, 2020
Transaction Type	Mortgage
Record Updated	Nov 23, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	97 CHEROKEE RD TOCCOA GA 30577, TOCCOA, GA 30577

Mortgage

Document Number	0012270023
Date	Oct 28, 2020
Book Page	001227/000023

Lender

Name	HOMESTAR FIN'L
Type	Funding / Finance Company
Address	GAINESVILLE, GA 30501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 27, 2050

October 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	STEPHENS GA
Recording Date	Oct 21, 2019
Property Address	97 CHEROKEE RD, TOCCOA, GA 30577-8337
Document Number	0011920115
Book / Page	001192 / 000115
Instrument Date	Oct 16, 2019
Transaction Type	Construction Loan
Record Updated	Oct 30, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	395 ROCK QUARRY CIR TOCCOA GA 305779062, TOCCOA, GA 30577-9062

Mortgage

Document Number	11920115
Date	Oct 21, 2019
Book Page	001192/000115

Lender

Name	SOUTHERN BK
Type	Bank
Address	CLARKESVILLE, GA 30523

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Oct 20, 2020

Interest

Rate Type	Adjustable Rate

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STEPHENS GA
Recording Date	Aug 09, 2019
Property Address	97 CHEROKEE RD, TOCCOA, GA 30577-8337
Document Number	0011860067
Book / Page	001186 / 000067
Instrument Date	Aug 08, 2019
Transaction Type	Transfer
Record Updated	Aug 21, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$4.70
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 CHEROKEE RD TOCCOA GA 30577, TOCCOA, GA 30577

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Georgia
County	Stephens County
Unified School District	Stephens County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,834.00 (+52.45%)	$103,245 (+65.31%) Land $3,206 Building $100,039	$258,112 (+65.31%) Land $8,015 Building $250,097
2023	$1,859.00	$62,456 Land $3,206 Building $59,250	$156,140 Land $8,015 Building $148,125

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 132579702024, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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 32 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
TruVista Communications	Fiber	5,000 / 5,000
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Uniti Group. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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