977 Keener Rd, Toccoa, GA 30577 Property Records

Stephens County property record for 977 Keener Rd, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,472 sqft · built 1984
Lot Size	18 acres (784,951 sqft)
Owner	Individual Name on File
Deeds & Mortgages	Jan 2021 Mortgage May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`052B 015`

Property Details

APN / Parcel Number

Primary APN	`052B 015`
Alternative APN	`294200`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,472 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1996
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	784,951 sqft (18 acres)
Terrain	Gentle Slope
Garage Area	440 sqft
Porch	Slab
Porch Area	220 sqft
Utility Building	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	294200
Street Address	977 KEENER RD
City	TOCCOA
State	GA
Zip	30577-7453
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Description	KEENER RD SM AC
Legal Subdivision	0400 - SECONDARY - AC
Jurisdiction	STEPHENS GA
Township / Civil Division	ROCK CREEK
Census Block Group	3
Census Block	3031
Census Tract	970202

Owner

977 Keener Rd is owned and occupied by an individual who acquired it in January 2008.

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	977 KEENER RD, TOCCOA, GA 30577-7453
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG
May 8, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jan 15, 2008
Transfer Doc	0008430482
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	977 KEENER RD, TOCCOA, GA 30577-7453
Document Number	0012380371
Instrument Date	Jan 28, 2021
Transaction Type	Mortgage
Record Updated	Mar 2, 2021
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	977 KEENER RD TOCCOA GA 305777453, TOCCOA, GA 30577-7453

Mortgage

Document Number	0012380371
Date	Feb 8, 2021
Book Page	001238/000371

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	240 Months
Due	Feb 7, 2041

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	977 KEENER RD, TOCCOA, GA 30577-7453
Document Number	0012100091
Instrument Date	May 8, 2020
Transaction Type	Mortgage
Record Updated	Jun 10, 2020
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	977 KEENER RD TOCCOA GA 305777453, TOCCOA, GA 30577-7453

Mortgage

Document Number	0012100091
Date	May 20, 2020
Book Page	001210/000091

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	264 Months
Due	May 19, 2042

Tax Assessment & Valuation

Source: Stephens County assessment roll, as of March 12, 2026

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	Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption Veteran's exemption	$130,280 Land $25,169 Building $105,111	$325,699 Land $62,922 Building $262,777
2023	Homeowner's exemption	$88,100 Land $25,169 Building $62,931	$220,250 Land $62,922 Building $157,328

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

Flood

FEMA maps place 977 Keener Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 26, 2008

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 977 Keener Rd is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 51% of the US · above 69% of Georgia
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
TruVista Communications Fiber	5,000 / 5,000

Cell Coverage

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

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