1316 Harbert Valley Rd, Toccoa, GA 30577 Property Records

Stephens County property record for 1316 Harbert Valley Rd, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,248 sqft · built 1995
Lot Size	2.18 acres (94,961 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (Apr 2021)
Tax Bill	$2,382 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`058 031`

Property Details

APN / Parcel Number

Primary APN	`058 031`
Alternative APN	`288071`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,248 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2015
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	94,961 sqft (2.18 acres)
Terrain	Gentle Slope
Garage Type	Mixed
Garage Area	392 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	100 sqft
Deck Area	120 sqft
Utility Building	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	288071
Street Address	1316 HARBERT VALLEY RD
City	TOCCOA
State	GA
Zip	30577-7039
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	HARBERT VALLEY RD
Legal Subdivision	0400 - PRIMARY - SF
Jurisdiction	STEPHENS GA
Township / Civil Division	ROCK CREEK
Census Block Group	3
Census Block	3007
Census Tract	970202

Owner

Source: Stephens County records, as of March 12, 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	1316 HARBERT VALLEY RD, TOCCOA, GA 30577-7039
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 3, 2021	Grant Deed, Transfer · FHA Mortgage HOMESTAR FIN'L
Apr 30, 2021	Warranty Deed, Transfer · FHA Mortgage HOMESTAR FINANCIAL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 30, 2021 · Amount on Record
Deed Sale	Apr 30, 2021 · Amount on Record
Prior Sale	Oct 1, 2004 · Amount on Record
Deed Document Number	2021634
Deed Book / Page	1250 / 193
Record Updated	Sep 20, 2026

May 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STEPHENS GA
Recording Date	May 3, 2021
Property Address	1316 HARBERT VALLEY RD, TOCCOA, GA 30577-7039
Document Number	0012500193
Book / Page	001250 / 000193
Instrument Date	Apr 30, 2021
Transaction Type	Transfer
Record Updated	Jun 3, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$170.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1316 HARBERT VALLEY RD TOCCOA GA 305777039, TOCCOA, GA 30577-7039

Mortgage

Document Number	12500195
Date	May 3, 2021
Book Page	001250/000195

Lender

Name	HOMESTAR FIN'L
Type	Funding / Finance Company
Address	GAINESVILLE, GA 30501

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 2, 2051

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Apr 30, 2021
Property Address	1316 HARBERT VALLEY RD, TOCCOA, GA 30577-7039
Document Number	0012500193
Book / Page	1250 / 193
Instrument Date	Apr 30, 2021
Instrument	2021-000634
Transaction Type	Transfer
Record Updated	May 25, 2021

Transaction

Amount	Amount Recorded
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	1316 HARBERT VALLEY RD, TOCCOA, GA 30577-7039

Mortgage

Document Number	0012500000000195
Date	May 3, 2021
Book Page	0000001250/0000000195

Lender

Name	HOMESTAR FINANCIAL

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

Source: Stephens County assessment roll, as of March 12, 2026

Property Jurisdictions

Type	Name
State	Georgia
County	Stephens County
Unified School District	Stephens County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,382.00 (+48.97%)	$86,803 (+61.57%) Land $4,210 Building $82,593	$217,006 (+61.57%) Land $10,524 Building $206,482
2023	$1,599.00	$53,726 Land $4,210 Building $49,516	$134,313 Land $10,524 Building $123,789

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 48% of the US · above 58% of Georgia
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TruVista Communications Fiber	5,000 / 5,000
HTC Cable	1,000 / 50

Cell Coverage

5G and 4G LTE (outdoors only)

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