Stephens County property record for 98 Oak Cliff Dr, Toccoa, GA 30577
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,969 sqft · built 1974 |
| Lot Size | 1.04 acres (45,302 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $102,000 (May 2011) |
| Tax Bill | $2,159 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | T08 019 |
| Primary APN | T08 019 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,969 sqft Heated Area |
| Basement Area | 1,969 sqft |
| Unfinished Basement | 1,969 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 45,302 sqft (1.04 acres) |
| Terrain | Gentle Slope |
| Garage Area | 470 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 168 sqft |
| Patio Area | 264 sqft |
| Utility Building | 30 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Account Number | 498300 |
|---|---|
| Street Address | 98 OAK CLIFF DR |
| City | TOCCOA |
| State | GA |
| Zip | 30577-8310 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-IA |
| Legal Description | OAK CLIFF DR LT 66&PT 65 |
| Legal Subdivision | GREEN ACRES |
| Legal Lot Number | 66,65 |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | TOCCOA |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 970101 |
The current owner of 98 Oak Cliff Dr acquired it in June 2011.
Source: Stephens County records, as of March 11, 2026
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 98 OAK CLIFF DR, TOCCOA, GA 30577-8310 |
| Occupancy | Owner Occupied |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 27, 2011 · Amount on File |
| Deed Sale | May 27, 2011 · Amount on File |
| Prior Sale | Jun 16, 2005 · Amount on File |
| Deed Document Number | 0009563185 |
| Deed Book / Page | 956318 / 5 |
| Last Transfer Date | Jun 1, 2011 |
| Transfer Doc | 0009560318 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 98 Oak Cliff Dr was $2,159 with a homeowner's exemption.
Source: Stephens County assessment roll, as of July 1, 2025
| 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 | $2,159.00 Homeowner's exemption | $74,131 Land $4,185 Building $69,946 | $185,326 Land $10,462 Building $174,864 |
| 2023 | $1,645.00 (+0.92%) Homeowner's exemption | $48,213 (+4.56%) Land $4,185 Building $44,028 | $120,531 (+4.56%) Land $10,462 Building $110,069 |
| 2022 | $1,630.00 Homeowner's exemption | $46,109 Land $4,185 Building $41,924 | $115,273 Land $10,462 Building $104,811 |
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 98 Oak Cliff Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 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 98 Oak Cliff Dr is moderate, ranking above 47% of the US, with a 0.09% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 47% of the US · above 53% of Georgia |
|---|---|
| Wildfire Likelihood | 0.09% 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 69 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| TruVista Communications Fiber · Cable in parts of the area | 5,000 / 5,000 |
| Point Broadband Fiber | 1,000 / 1,000 |
| Windstream DSL · Fiber in parts of the area | 300 / 20 |
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