1148 Fernside Dr, Toccoa, GA 30577 Property Records

Stephens County property record for 1148 Fernside Dr, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,552 sqft · built 1987
Lot Size	0.569 acres (24,829 sqft)
Owner	Individual Name on File
Last Sale	$180,000 (Jun 2020)
Tax Bill	$2,874 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`042E 038`

Property Details

APN / Parcel Number

Primary APN	`042E 038`
Alternative APN	`463700`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,552 sqft Heated Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1999
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Raised
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	24,829 sqft (0.569 acres)
Terrain	Gentle Slope
Garage Area	484 sqft
Deck Area	394 sqft
Patio Area	394 sqft
Utility Building	66 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Account Number	463700
Old Parcel Number	042E 038
Street Address	1148 FERNSIDE DR
City	TOCCOA
State	GA
Zip	30577-8094
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	FERNSIDE DR
Legal Subdivision	FERNSIDE DR
Jurisdiction	STEPHENS GA
Township / Civil Division	TOCCOA
Census Block Group	4
Census Block	4022
Census Tract	970102

Owner

1148 Fernside Dr is owned and occupied by an individual who bought it in June 2020.

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

Owner of Record	Individual Name on File
Mailing Address	1148 FERNSIDE DR, TOCCOA, GA 30577-8094
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 10, 2020 · Amount on File
Deed Sale	Jun 10, 2020 · Amount on File
Deed Document Number	0001212309
Deed Book / Page	1212 / 309
Record Updated	Jun 8, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Jun 10, 2020
Property Address	1148 FERNSIDE DR, TOCCOA, GA 30577-8094
Document Number	0012120309
Book / Page	1212 / 309
Instrument Date	Jun 10, 2020
Instrument	2020-000583
Transaction Type	Transfer
Record Updated	Feb 22, 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	1148 FERNSIDE DR, TOCCOA, GA 30577-8094

Mortgage

Document Number	0012120000000313
Date	Jun 10, 2020
Book Page	0000001212/0000000313

Lender

Name	FIRST CITIZENS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1148 Fernside Dr was $2,874.

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	$2,874.00	$104,709 Land $5,088 Building $99,621	$261,773 Land $12,721 Building $249,052
2023	$1,958.00	$65,792 Land $5,088 Building $60,704	$164,480 Land $12,721 Building $151,759

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 1148 Fernside Dr 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	3 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 1148 Fernside Dr is moderate, ranking above 46% 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 46% of the US · above 49% of Georgia
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

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 81 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
AT&T Fixed Wireless	100 / 20

May also be available: Point Broadband, Windstream.

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