980 Falls Rd, Toccoa, GA 30577 Property Records

Stephens County property record for 980 Falls Rd, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,162 sqft · built 2008
Lot Size	2.15 acres (93,654 sqft)
Owner	Individual Name on File
Last Sale	$305,000 (Mar 2022)
Tax Bill	$3,974 (2025)
Deeds & Mortgages	Apr 2024 Second Mortgage Mar 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`019B 012`

Property Details

APN / Parcel Number

Primary APN	`019B 012`
Alternative APN	`797450`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,162 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2013
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	93,654 sqft (2.15 acres)
Terrain	Gentle Slope
Garage Area	484 sqft

Exterior Amenities

Porch	Slab
Porch Area	102 sqft
Deck Area	140 sqft
Patio Area	306 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	797450
Street Address	980 FALLS RD
City	TOCCOA
State	GA
Zip	30577-2400
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B-I
Legal Description	HWY 17 NORTH
Legal Subdivision	0204 - PRIMARY - SF
Jurisdiction	STEPHENS GA
Township / Civil Division	TOCCOA
Census Block Group	2
Census Block	2032
Census Tract	970101

Owner

980 Falls Rd is owned and occupied by an individual who bought it in March 2022.

Source: Stephens County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	980 FALLS RD, TOCCOA, GA 30577-2400
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Mar 29, 2022	Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 30, 2022 · Amount on File
Deed Sale	Mar 30, 2022 · Amount on File
Deed Document Number	2022473
Deed Book / Page	1291 / 197
Prior Transfer Date	Sep 1, 2005
Prior Transfer Doc	0007250342
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	980 FALLS RD, TOCCOA, GA 30577-2400
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	980 FALLS RD, TOCCOA, GA 30577-2400

Mortgage

Document Number	0013630000000001
Date	Apr 9, 2024
Book Page	0000001363/0000000001

Lender

Name	DISCOVER BANK

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 1, 2039

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Mar 29, 2022
Property Address	980 FALLS RD, TOCCOA, GA 30577-2400
Document Number	0012910197
Book / Page	1291 / 197
Instrument Date	Mar 29, 2022
Instrument	2022-000473
Transaction Type	Transfer
Record Updated	Nov 30, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	980 FALLS RD, TOCCOA, GA 30577-2400

Mortgage

Document Number	0012910000000201
Date	Mar 30, 2022
Book Page	0000001291/0000000201
Instrument	000492

Lender

Name	HOMESTAR FINANCIAL

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 980 Falls Rd was $3,974 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,974.00 Homeowner's exemption	$137,673 Land $5,349 Building $132,324	$344,182 Land $13,372 Building $330,810
2023	$2,966.00 (+6.31%)	$83,858 (+6.28%) Land $5,349 Building $78,509	$209,644 (+6.28%) Land $13,372 Building $196,272
2022	$2,790.00	$78,901 Land $5,349 Building $73,552	$197,252 Land $13,372 Building $183,880

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.

Flood

FEMA maps place 980 Falls Rd 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	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

Wildfire risk around 980 Falls 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 67% of Georgia
Wildfire Likelihood	0.1% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 84 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TruVista Communications Cable · Fiber in parts of the area	500 / 50

May also be available: Windstream.

Nearby Properties on Falls Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures