10 Valley Dr, Toccoa, GA 30577 Property Records

Stephens County property record for 10 Valley Dr, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,200 sqft · built 1970
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on Record
Last Sale	$91,000 (Sep 2018)
Tax Bill	$2,403 (2025)
Deeds & Mortgages	Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T28 142`

Property Details

APN / Parcel Number

Primary APN	`T28 142`
Alternative APN	`748450`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,200 sqft Heated Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1970
Effective Year Built	Effective 2005
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,197 sqft (0.28 acres)
Terrain	Gentle Slope
Garage Type	Carport
Carport	Carport
Carport Area	209 sqft
Deck Area	242 sqft
Patio Area	242 sqft
Utility Building	66 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	748450
Street Address	10 VALLEY DR
City	TOCCOA
State	GA
Zip	30577-6213
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-IA
Legal Description	LOT 1 AGNEW S/D
Legal Subdivision	AGNEW S/D
Legal Lot Number	1
Jurisdiction	STEPHENS GA
Township / Civil Division	TOCCOA
Census Block Group	1
Census Block	1013
Census Tract	970302

Owner

Source: Stephens County records, as of March 11, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	10 VALLEY DR, TOCCOA, GA 30577-6213
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 6, 2018 · Amount on Record
Deed Sale	Sep 6, 2018 · Amount on Record
Prior Sale	Aug 12, 2016 · Amount on Record
Deed Document Number	0001159282
Deed Book / Page	1159 / 282
Last Transfer Date	Sep 7, 2018
Transfer Doc	0011590282
Record Updated	Jun 8, 2026

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STEPHENS GA
Recording Date	Sep 7, 2018
Property Address	10 VALLEY DR, TOCCOA, GA 30577-6213
Document Number	0011590282
Book / Page	001159 / 000282
Instrument Date	Sep 6, 2018
Transaction Type	Transfer
Record Updated	Sep 25, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$91.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 VALLEY DR TOCCOA GA 305776213, TOCCOA, GA 30577-6213

Mortgage

Document Number	11590284
Date	Sep 7, 2018
Book Page	001159/000284

Lender

Name	SOUTH ST BK
Type	Bank
Address	CHARLESTON, SC 29406

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 6, 2048

Tax Assessment & Valuation

Source: Stephens County assessment roll, as of July 1, 2025

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	$2,403.00 (+64.59%)	$68,893 (+66.81%) Land $2,095 Building $66,798	$172,234 (+66.81%) Land $5,238 Building $166,996
2023	$1,460.00 (+6.73%)	$41,300 (+6.74%) Land $2,095 Building $39,205	$103,250 (+6.74%) Land $5,238 Building $98,012
2022	$1,368.00	$38,692 Land $2,095 Building $36,597	$96,730 Land $5,238 Building $91,492

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

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	Severe Storms And Flooding, Sep 2009 · 2 claims

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

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.

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 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