Stephens County property record for 1046 Lovers Ln, Toccoa, GA 30577 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 3.5 Baths |
| Year Built | Built 2000 |
| Square Footage | 5,983 sqft Heated Area |
| Lot Size | 93,218 sqft (2.14 acres) |
| Garage | 960 sqft |
| Occupancy | Owner Occupied |
| Tax Bill | $9,066.00 (2025) |
| Primary APN | T33 028 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 10 Rooms |
| Building Area | 5,983 sqft Heated Area |
| Basement Area | 3,733 sqft Basement |
| Unfinished Basement | 3,733 sqft Unfinished |
| Stories | 1 Stories |
| Primary Flooring | Hardwood Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Ranch Style |
| Exterior Material | Brick Exterior |
| Construction Type | Brick Construction |
| Roof Construction | Gable Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 93,218 sqft (2.14 acres) |
| Garage Area | 960 sqft Garage |
| Pool Area | 512 sqft Pool |
|---|---|
| Deck Area | 312 sqft Deck |
| Patio Area | 216 sqft Patio |
| Porch Area | 728 sqft Porch |
| Topography | Rolling Topography |
| Utility Building | 416 sqft Utility Building |
| Cooling System | Central Cooling |
|---|---|
| Heating Fuel | Electric Heating Fuel |
| Sewage | Municipal Sewage |
| Water Source | Commercial Water Source |
| Account Number | 776155 |
|---|---|
| Street Address | 1046 LOVERS LN |
| City | TOCCOA |
| State | GA |
| Zip | 30577-8392 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOVERS LN |
| Legal Subdivision | 0311 - PRIMARY - SF |
| Jurisdiction | STEPHENS GA |
| Minor Civil Division | TOCCOA |
| Census Blockgroup | 2 |
| Census Block | 2017 |
| Census Tract | 970102 |
Source: Stephens County records · APN T33 028
Assessment roll updated March 12, 2026 · Last verified April 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 File |
|---|---|
| Mailing Address | 1046 LOVERS LN, TOCCOA, GA 30577-8392 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Dec 14, 2017 | Deed of Trust, Mortgage COMMUNITY FIRST BANK |
| Jun 08, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| May 29, 2018 | Loan Modification, Mortgage · Conventional Mortgage GEORGE MITCHELL ALLEN FOUNDATI |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 01, 2004 |
| Deed Sale | Apr 01, 2004 |
| Prior Sale | Mar 26, 2004 |
| Deed Book / Page | 653 / 80 |
| Last Transfer Date | May 13, 2020 |
| Transfer Doc | 0012120077 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 1046 LOVERS LN, TOCCOA, GA 30577-8392 |
| Transaction Type | Mortgage |
| Record Updated | Feb 09, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0011380303 |
|---|---|
| Date | Dec 14, 2017 |
| Book Page | 1138/303 |
| Name | COMMUNITY FIRST BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 12 Months |
| Due | Jan 01, 2018 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Jun 08, 2020 |
| Property Address | 1046 LOVERS LN, TOCCOA, GA 30577-8392 |
| Document Number | 0012120077 |
| Book / Page | 001212 / 000077 |
| Instrument Date | May 13, 2020 |
| Transaction Type | Transfer |
| Record Updated | Jun 26, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1046 LOVERS LN TOCCOA GA 305778392, TOCCOA, GA 30577-8392 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 1046 LOVERS LN, TOCCOA, GA 30577-8392 |
| Document Number | 0011510017 |
| Instrument Date | May 29, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Document Number | 0011510017 |
|---|---|
| Date | May 29, 2018 |
| Book Page | 001151/000017 |
| Name | GEORGE MITCHELL ALLEN FOUNDATI |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 36 Months |
| Due | May 28, 2021 |
Source: Stephens County records · Assessment roll updated March 12, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Georgia |
| County | Stephens County |
| Municipality | Toccoa City |
| Unified School District | Stephens County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,066.00 (+31.73%) Homeowner's exemption | $306,275 (+56.05%) Land $12,589 Building $293,686 | $765,688 (+56.05%) Land $31,472 Building $734,216 |
| 2023 | $6,882.00 (+4.57%) Homeowner's exemption | $196,263 (+5.48%) Land $12,589 Building $183,674 | $490,658 (+5.48%) Land $31,472 Building $459,186 |
| 2022 | $6,581.00 Homeowner's exemption | $186,071 Land $12,589 Building $173,482 | $465,176 Land $31,472 Building $433,704 |
1046 Lovers Ln is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Moderate risk).
Source: FEMA National Flood Hazard Layer · Stephens County (13257C), updated September 26, 2008
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Moderate 46th percentile of exposed land nationally · 50th in Georgia |
|---|---|
| Wildfire Likelihood | Moderate — about 1 in 1,205 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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