Stephens County property record for 1208 Lovers Ln, Toccoa, GA 30577
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,620 sqft · built 1985 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $250,000 (Dec 2023) |
| Tax Bill | $3,231 (2025) |
| Deeds & Mortgages | Jul 2022 Mortgage Dec 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 041E 015 |
| Primary APN | 041E 015 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,620 sqft Heated Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 20,038 sqft (0.46 acres) |
| Terrain | Rolling |
| Porch | Porch |
|---|---|
| Porch Area | 120 sqft |
| Deck Area | 153 sqft |
| Patio Area | 428 sqft |
| Utility Building | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 777150 |
|---|---|
| Street Address | 1208 LOVERS LN |
| City | TOCCOA |
| State | GA |
| Zip | 30577-8319 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-IA |
| Legal Description | LOVERS LN |
| Legal Subdivision | ELLIOTT CAUDELL SURV |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | TOCCOA |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 970102 |
Source: Stephens County records, as of March 11, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 1208 LOVERS LN, TOCCOA, GA 30577-8319 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 14, 2022 | Deed of Trust, Mortgage NORTH GEORGIA CREDIT UNION |
| Dec 19, 2023 | Warranty Deed, Transfer · Conventional Mortgage MORTGAGE RESEARCH CENTER DBA VETERANS UN |
| Aug 26, 2019 | Deed of Trust, Mortgage NORTH GA CU |
| Oct 31, 2018 | Deed of Trust, Mortgage · Line of Credit NORTH GA CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 19, 2023 · Amount on Record |
| Deed Sale | Dec 19, 2023 · Amount on Record |
| Prior Sale | Feb 29, 2012 · Amount on Record |
| Deed Document Number | 0001352169 |
| Deed Book / Page | 1352 / 169 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 1208 LOVERS LN, TOCCOA, GA 30577-8319 |
| Transaction Type | Mortgage |
| Record Updated | Feb 3, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1208 LOVERS LN, TOCCOA, GA 30577-8319 |
| Document Number | 0013040000000071 |
|---|---|
| Date | Jul 14, 2022 |
| Book Page | 0000001304/0000000071 |
| Instrument | 001166 |
| Name | NORTH GEORGIA CREDIT UNION |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 36 Months |
| Due | Jan 1, 2025 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Dec 19, 2023 |
| Property Address | 1208 LOVERS LN, TOCCOA, GA 30577-8319 |
| Document Number | 0013520169 |
| Book / Page | 1352 / 169 |
| Instrument Date | Dec 19, 2023 |
| Instrument | D2023001849 |
| Transaction Type | Transfer |
| Record Updated | Jan 16, 2024 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1208 LOVERS LN, TOCCOA, GA 30577-8319 |
| Document Number | 0013520000000175 |
|---|---|
| Date | Dec 19, 2023 |
| Book Page | 0000001352/0000000175 |
| Instrument | D2023001852 |
| Name | MORTGAGE RESEARCH CENTER DBA VETERANS UN |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 1208 LOVERS LN, TOCCOA, GA 30577-8319 |
| Document Number | 0011870492 |
| Instrument Date | Aug 26, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 11, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 1208 LOVERS LN TOCCOA GA 305778319, TOCCOA, GA 30577-8319 |
| Document Number | 0011870492 |
|---|---|
| Date | Sep 4, 2019 |
| Book Page | 001187/000492 |
| Name | NORTH GA CU |
|---|---|
| Type | Credit Union |
| Address | TOCCOA, GA 30577 |
| Amount | Amount Recorded |
|---|---|
| Term | 60 Months |
| Due | Sep 3, 2024 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 1208 LOVERS LN, TOCCOA, GA 30577-8319 |
| Document Number | 0011640394 |
| Instrument Date | Oct 31, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 6, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 1208 LOVERS LN TOCCOA GA 305778319, TOCCOA, GA 30577-8319 |
| Document Number | 0011640394 |
|---|---|
| Date | Nov 13, 2018 |
| Book Page | 001164/000394 |
| Name | NORTH GA CU |
|---|---|
| Type | Credit Union |
| Address | TOCCOA, GA 30577 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Nov 12, 2033 |
| Rate Type | Adjustable Rate |
|---|
Source: Stephens County assessment roll, as of July 1, 2025
| 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 | $3,231.00 (+75.79%) | $92,620 (+72.63%) Land $3,586 Building $89,034 | $231,551 (+72.63%) Land $8,966 Building $222,585 |
| 2023 | $1,838.00 (+2.51%) Homeowner's exemption | $53,652 (+5.83%) Land $2,324 Building $51,328 | $134,130 (+5.83%) Land $5,811 Building $128,319 |
| 2022 | $1,793.00 Homeowner's exemption | $50,697 Land $2,324 Building $48,373 | $126,743 Land $5,811 Building $120,932 |
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.
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 |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · lower than 84% of Georgia |
|---|---|
| Wildfire Likelihood | 0.06% 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.
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 58 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 |
| Point Broadband Fiber | 1,000 / 1,000 |
| TruVista Communications Cable | 500 / 50 |
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