Stephens County property record for 99 Hilltop Ln, Toccoa, GA 30577
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2.5 ba · 2,218 sqft · built 1955 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | Individual Name on File |
| Last Sale | $215,000 (Sep 2026) |
| Tax Bill | $2,275 (2025) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage Aug 2026 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T28 110 |
| Primary APN | T28 110 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,218 sqft Heated Area |
| Basement Area | 1,265 sqft |
| Finished Basement | 953 sqft |
| Unfinished Basement | 312 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 12,197 sqft (0.28 acres) |
| Terrain | Gentle Slope |
| Porch | Slab |
|---|---|
| Porch Area | 144 sqft |
| Deck Area | 209 sqft |
| Patio Area | 209 sqft |
| Utility Building | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Account Number | 745000 |
|---|---|
| Street Address | 99 HILLTOP LN |
| City | TOCCOA |
| State | GA |
| Zip | 30577-6417 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-IA |
| Legal Description | LOT 9 B F BRUCE S/D |
| Legal Subdivision | B F BRUCE |
| Legal Lot Number | 9 |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | TOCCOA |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 970302 |
99 Hilltop Ln is owned and occupied by an individual who bought it in September 2026.
Source: Stephens County records, as of October 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 116, HOMER, GA 30547-0116 |
| 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 16, 2026 | Warranty Deed, Transfer · Conventional Mortgage OCONEE STATE BANK |
| Aug 18, 2026 | Quit Claim Deed, Transfer Quitclaim |
| Oct 11, 2023 | Warranty Deed, Transfer · FHA Mortgage HOMESTAR FINANCIAL |
| May 21, 2018 | Grant Deed, Transfer · FHA Mortgage NEW PENN FIN'L LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 16, 2026 · Amount on File |
| Deed Sale | Sep 16, 2026 · Amount on File |
| Prior Sale | May 23, 2025 · Amount on File |
| Deed Document Number | 20262815 |
| Deed Book / Page | 1465 / 389 |
| Prior Transfer Date | Aug 17, 2026 |
| Prior Transfer Doc | 0000002496 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Sep 16, 2026 |
| Property Address | 99 HILLTOP LN, TOCCOA, GA 30577-6417 |
| Document Number | 0000002815 |
| Book / Page | 1465 / 389 |
| Instrument Date | Sep 10, 2026 |
| Instrument | 20262815 |
| Transaction Type | Transfer |
| Record Updated | Oct 19, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 1465000391, |
|---|---|
| Date | Sep 16, 2026 |
| Book Page | 1465/391 |
| Name | OCONEE STATE BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Aug 18, 2026 |
| Property Address | 99 HILLTOP LN, TOCCOA, GA 30577-6417 |
| Document Number | 0000002496 |
| Book / Page | 1462 / 248 |
| Instrument Date | Aug 17, 2026 |
| Instrument | 20262496 |
| Transaction Type | Transfer |
| Record Updated | Sep 28, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 99 HILLTOP LN, TOCCOA, GA 30577-6417 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Oct 11, 2023 |
| Property Address | 99 HILLTOP LN, TOCCOA, GA 30577-6417 |
| Document Number | 0013450398 |
| Book / Page | 1345 / 398 |
| Instrument Date | Oct 5, 2023 |
| Transaction Type | Transfer |
| Record Updated | Dec 1, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 99 HILLTOP LN, TOCCOA, GA 30577-6417 |
| Document Number | 0001345400 |
|---|---|
| Date | Oct 11, 2023 |
| Instrument | 1345/400 |
| Name | HOMESTAR FINANCIAL |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 351 Months |
| Due | Jan 1, 2053 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | May 21, 2018 |
| Property Address | 99 HILLTOP LN, TOCCOA, GA 30577-6417 |
| Document Number | 0011500277 |
| Book / Page | 001150 / 000277 |
| Instrument Date | May 18, 2018 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $96.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 99 HILLTOP LN TOCCOA GA 305776417, TOCCOA, GA 30577-6417 |
| Document Number | 11500279 |
|---|---|
| Date | May 21, 2018 |
| Book Page | 001150/000279 |
| Name | NEW PENN FIN'L LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | PLYMOUTH MEETING, PA 19462 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 20, 2048 |
The 2025 property tax bill for 99 Hilltop Ln 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 | $83,458 Land $2,082 Building $81,376 | $208,644 Land $5,204 Building $203,440 |
| 2023 | $1,868.00 (+6.32%) | $52,826 (+6.3%) Land $2,082 Building $50,744 | $132,064 (+6.3%) Land $5,204 Building $126,860 |
| 2022 | $1,757.00 | $49,695 Land $2,082 Building $47,613 | $124,236 Land $5,204 Building $119,032 |
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 99 Hilltop Ln in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2009.
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 |
| Nearby Flood Claims | 3 (2009–2020) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | May 2020 · other causes |
| Claims by Event |
|
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 99 Hilltop Ln is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 94% of Georgia |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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 260 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 | 500 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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