Stephens County property record for 979 S Pond St, Toccoa, GA 30577
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,238 sqft · built 1920 |
| Lot Size | 0.41 acres (17,860 sqft) |
| Owner | Individual Name on File |
| Last Sale | $209,000 (May 2024) |
| Tax Bill | $2,229 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage Nov 2023 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T21 054 |
| Primary APN | T21 054 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,238 sqft Heated Area |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Ranch |
| Exterior Material | Fiber Cement Siding |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 17,860 sqft (0.41 acres) |
| Terrain | Gentle Slope |
| Porch | Porch |
| Porch Area | 464 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 719800 |
|---|---|
| Street Address | 979 S POND ST |
| City | TOCCOA |
| State | GA |
| Zip | 30577-3541 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS |
| Legal Description | LOT 1 MRS E H OSBORN ESTATE |
| Legal Subdivision | MRS E H OSBORN ESTATE |
| Legal Lot Number | 1 |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | TOCCOA |
| Census Block Group | 2 |
| Census Block | 2034 |
| Census Tract | 970302 |
979 S Pond St is owned and occupied by an individual who bought it in May 2024.
Source: Stephens County records, as of March 11, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 979 S POND ST, TOCCOA, GA 30577-3541 |
| 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.
| Date | Document |
|---|---|
| Sep 25, 2025 | Deed of Trust, Mortgage · FHA Mortgage NEW AMERICA FUNDING |
| Nov 8, 2023 | Warranty Deed, Transfer |
| Aug 22, 2023 | Warranty Deed, Transfer |
| May 4, 2020 | Grant Deed, Transfer OTHER |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 10, 2024 · Amount on File |
| Deed Sale | May 10, 2024 · Amount on File |
| Prior Sale | Nov 8, 2023 · Amount on File |
| Deed Document Number | D2024000764 |
| Deed Book / Page | 1366 / 407 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 979 S POND ST, TOCCOA, GA 30577-3541 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2025 |
| Name | Verified Name |
|---|---|
| Address | 979 S POND ST, TOCCOA, GA 30577-3541 |
| Document Number | 0014240000000281 |
|---|---|
| Date | Sep 25, 2025 |
| Book Page | 0000001424/0000000281 |
| Instrument | 2025003039 |
| Name | NEW AMERICA FUNDING |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jan 1, 2045 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Nov 8, 2023 |
| Property Address | 979 S POND ST, TOCCOA, GA 30577-3541 |
| Document Number | 0013480380 |
| Book / Page | 1348 / 380 |
| Instrument Date | Nov 8, 2023 |
| Instrument | D2023001662 |
| Transaction Type | Transfer |
| Record Updated | Dec 29, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 979 S POND ST, TOCCOA, GA 30577-3541 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Aug 22, 2023 |
| Property Address | 979 S POND ST, TOCCOA, GA 30577-3541 |
| Document Number | 0013400262 |
| Book / Page | 1340 / 262 |
| Instrument Date | Aug 18, 2023 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 979 S POND ST, TOCCOA, GA 30577-3541 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | May 4, 2020 |
| Property Address | 979 S POND ST, TOCCOA, GA 30577-3541 |
| Document Number | 0012080321 |
| Book / Page | 001208 / 000321 |
| Instrument Date | Apr 28, 2020 |
| Transaction Type | Transfer |
| Record Updated | Jun 1, 2020 |
| Title Company | OTHER |
| Amount | Amount on Record |
|---|---|
| Tax | $4.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 979 S POND ST TOCCOA GA 305773541, TOCCOA, GA 30577-3541 |
The 2025 property tax bill for 979 S Pond St was $2,229.
Source: Stephens County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Georgia |
| County | Stephens County |
| Unified School District | Stephens County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,229.00 | $81,223 Land $1,648 Building $79,575 | $203,058 Land $4,120 Building $198,938 |
| 2023 | $508.00 (+28.61%) | $17,097 (+28.7%) Land $1,648 Building $15,449 | $42,742 (+28.71%) Land $4,120 Building $38,622 |
| 2022 | $395.00 | $13,284 Land $1,648 Building $11,636 | $33,209 Land $4,120 Building $29,089 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 979 S Pond St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1999.
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 | 4 in force |
| Nearby Flood Claims | 1 (1999) |
| Most Recent Claim | Oct 1999 · rainfall accumulation |
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 979 S Pond 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 | Direct burnable vegetation |
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 148 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 |
| TruVista Communications Cable · Fiber in parts of the area | 500 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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