Stephens County property record for 97 Hayes St, Toccoa, GA 30577
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,272 sqft · built 1940 |
| Lot Size | 0.59 acres (25,700 sqft) |
| Owner | Individual Name on File |
| Last Sale | $175,000 (Apr 2023) |
| Tax Bill | $2,275 (2025) |
| Deeds & Mortgages | Apr 2023 Sale & Mortgage Apr 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T27 046 |
| Primary APN | T27 046 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,272 sqft Heated Area |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 25,700 sqft (0.59 acres) |
| Terrain | Gentle Slope |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 342 sqft |
| Utility Building | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 674300 |
|---|---|
| Street Address | 97 HAYES ST |
| City | TOCCOA |
| State | GA |
| Zip | 30577-2695 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-IA |
| Legal Description | W 1/2 LOT 3 BLK D HAYES S/D |
| Legal Subdivision | HAYES S/D |
| Legal Block | D |
| Legal Lot Number | 3 |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | TOCCOA |
| Census Block Group | 2 |
| Census Block | 2048 |
| Census Tract | 970102 |
97 Hayes St is owned and occupied by an individual who bought it in April 2023.
Source: Stephens County records, as of March 12, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 97 HAYES ST, TOCCOA, GA 30577-2695 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 3, 2023 | Warranty Deed, Transfer · FHA Mortgage VANDERBILT MORTGAGE |
| Apr 5, 2021 | Grant Deed, Transfer · FHA Mortgage CROSSCOUNTRY MTG |
| Nov 17, 2020 | Grant Deed, Construction Loan · Construction Mortgage DARRELL L SMART |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 4, 2023 · Amount on File |
| Deed Sale | Apr 4, 2023 · Amount on File |
| Prior Sale | Apr 2, 2021 · Amount on File |
| Deed Document Number | 2023353 |
| Deed Book / Page | 1326 / 50 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Apr 3, 2023 |
| Property Address | 97 HAYES ST, TOCCOA, GA 30577-2695 |
| Document Number | 0013260050 |
| Book / Page | 1326 / 50 |
| Instrument Date | Apr 3, 2023 |
| Instrument | 2023-000353 |
| Transaction Type | Transfer |
| Record Updated | May 8, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 97 HAYES ST, TOCCOA, GA 30577-2695 |
| Document Number | 2023000399 |
|---|---|
| Date | Apr 3, 2023 |
| Instrument | 2023000399 |
| Name | VANDERBILT MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 357 Months |
| Due | Jan 1, 2053 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Apr 5, 2021 |
| Property Address | 97 HAYES ST, TOCCOA, GA 30577-2695 |
| Document Number | 0012460431 |
| Book / Page | 001246 / 000431 |
| Instrument Date | Apr 2, 2021 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2021 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $129.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 97 HAYES ST TOCCOA GA 305772695, TOCCOA, GA 30577-2695 |
| Document Number | 12460433 |
|---|---|
| Date | Apr 5, 2021 |
| Book Page | 001246/000433 |
| Name | CROSSCOUNTRY MTG |
|---|---|
| Type | Mortgage Company |
| Address | BRECKSVILLE, OH 44141 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 4, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Nov 17, 2020 |
| Property Address | 97 HAYES ST, TOCCOA, GA 30577-2695 |
| Document Number | 0012290144 |
| Book / Page | 001229 / 000144 |
| Instrument Date | Nov 16, 2020 |
| Transaction Type | Construction Loan |
| Record Updated | Dec 2, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $79.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 97 HAYES ST TOCCOA GA 305772695, TOCCOA, GA 30577-2695 |
| Document Number | 12290146 |
|---|---|
| Date | Nov 17, 2020 |
| Book Page | 001229/000146 |
| Name | DARRELL L SMART |
|---|---|
| Address | 1299 BUFFINGTON DR, PENDERGRASS, GA 30567-2704 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Nov 16, 2021 |
The 2025 property tax bill for 97 Hayes St was $2,275 with a homeowner's exemption.
Source: Stephens County assessment roll, as of March 12, 2026
| 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 | $2,275.00 Homeowner's exemption | $78,310 Land $3,960 Building $74,350 | $195,774 Land $9,899 Building $185,875 |
| 2023 | $325.00 (-75.02%) | $38,565 (+4.8%) Land $3,960 Building $34,605 | $96,411 (+4.8%) Land $9,899 Building $86,512 |
| 2022 | $1,301.00 | $36,799 Land $3,960 Building $32,839 | $91,996 Land $9,899 Building $82,097 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 97 Hayes St 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 97 Hayes St is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 88% of Georgia |
|---|---|
| Wildfire Likelihood | 0.04% 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.
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 235 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Point Broadband Fiber | 1,000 / 1,000 |
| TruVista Communications Cable | 500 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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