Stephens County property record for 1292 Fernside Dr, Toccoa, GA 30577
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 1,635 sqft · built 1981 |
| Lot Size | 1.36 acres (59,242 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $365,000 (May 2026) |
| Tax Bill | $3,164 (2025) |
| Deeds & Mortgages | May 2026 Mortgage May 2026 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 042G 002 |
| Primary APN | 042G 002 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,635 sqft Heated Area |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 59,242 sqft (1.36 acres) |
| Terrain | Gentle Slope |
| Garage Type | Mixed |
| Garage Area | 2,152 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 360 sqft |
| Deck Area | 16 sqft |
| Patio Area | 16 sqft |
| Utility Building | 120 sqft |
| Pole Barn | 72 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 463850 |
|---|---|
| Street Address | 1292 FERNSIDE DR |
| City | TOCCOA |
| State | GA |
| Zip | 30577-7815 |
| 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 | 4036 |
| Census Tract | 970102 |
Source: Stephens County records, as of July 20, 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1292 FERNSIDE DR, TOCCOA, GA 30577-7815 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 5, 2026 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO |
| May 4, 2026 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 4, 2026 · Amount on Record |
| Deed Sale | May 4, 2026 · Amount on Record |
| Prior Sale | Jun 2, 2003 · Amount on Record |
| Deed Document Number | 20261288 |
| Deed Book / Page | 1449 / 21 |
| Prior Transfer Date | Mar 11, 2008 |
| Prior Transfer Doc | 0008500193 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | May 5, 2026 |
| Property Address | 1292 FERNSIDE DR, TOCCOA, GA 30577-7815 |
| Document Number | 0000000013 |
| Book / Page | 1449 / 105 |
| Instrument Date | Apr 27, 2026 |
| Instrument | 202613 |
| Transaction Type | Mortgage |
| Record Updated | Jul 20, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1292 FERNSIDE DR, TOCCOA, GA 30577-7815 |
| Document Number | 0000000013, |
|---|---|
| Date | May 5, 2026 |
| Book Page | 1449/105 |
| Instrument | 202613 |
| Name | WELLS FARGO |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | May 4, 2026 |
| Property Address | 1292 FERNSIDE DR, TOCCOA, GA 30577-7815 |
| Document Number | 0000001288 |
| Book / Page | 1449 / 21 |
| Instrument Date | Apr 27, 2026 |
| Instrument | 20261288 |
| Transaction Type | Transfer |
| Record Updated | Jul 20, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1292 FERNSIDE DR, TOCCOA, GA 30577-7815 |
Source: Stephens County assessment roll, as of March 12, 2026
| Type | Name |
|---|---|
| State | Georgia |
| County | Stephens County |
| Unified School District | Stephens County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,164.00 (+954.67%) | $115,286 (+150.4%) Land $4,252 Building $111,034 | $288,216 (+150.41%) Land $10,630 Building $277,586 |
| 2023 | $300.00 (-77.26%) Homeowner's exemption | $46,040 (+3.91%) Land $4,252 Building $41,788 | $115,099 (+3.91%) Land $10,630 Building $104,469 |
| 2022 | $1,319.00 Homeowner's exemption | $44,308 Land $4,252 Building $40,056 | $110,770 Land $10,630 Building $100,140 |
Assessed value is set for property tax purposes, not a market price estimate; it is 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 | 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · above 47% of Georgia |
|---|---|
| Wildfire Likelihood | 0.08% 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 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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