1422 Fernside Dr, Toccoa, GA 30577 Property Records

Stephens County property record for 1422 Fernside Dr, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 832 sqft · built 1990
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$140,000 (Aug 2021)
Tax Bill	$1,449 (2025)
Deeds & Mortgages	Feb 2023 Mortgage Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`042G 006`

Property Details

APN / Parcel Number

Primary APN	`042G 006`
Alternative APN	`463710`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	832 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2010
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Terrain	Gentle Slope
Deck Area	24 sqft
Patio Area	48 sqft
Canopy	360 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	463710
Street Address	1422 FERNSIDE DR
City	TOCCOA
State	GA
Zip	30577-7816
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	4044
Census Tract	970102

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	1422 FERNSIDE DR, TOCCOA, GA 30577-7816
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 14, 2023	Deed of Trust, Mortgage · FHA Mortgage UNITED STATES OF AMERICA
Aug 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOMESTAR FINANCIAL
Aug 25, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 25, 2021 · Amount on Record
Deed Sale	Aug 25, 2021 · Amount on Record
Prior Sale	Oct 23, 2015 · Amount on Record
Deed Document Number	20211242
Deed Book / Page	1265 / 134
Record Updated	Sep 20, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	1422 FERNSIDE DR, TOCCOA, GA 30577-7816
Transaction Type	Mortgage
Record Updated	Mar 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1422 FERNSIDE DR, TOCCOA, GA 30577-7816
Investor	Possibly a Property Investor

Mortgage

Document Number	0013210000000363
Date	Feb 14, 2023
Book Page	0000001321/0000000363
Instrument	2023000154

Lender

Name	UNITED STATES OF AMERICA

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Jan 1, 2051

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	1422 FERNSIDE DR, TOCCOA, GA 30577-7816
Transaction Type	Mortgage
Record Updated	Aug 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1422 FERNSIDE DR, TOCCOA, GA 30577-7816

Mortgage

Document Number	0012650000000136
Date	Aug 26, 2021
Book Page	0000001265/0000000136

Lender

Name	HOMESTAR FINANCIAL

Agreement

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

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Aug 25, 2021
Property Address	1422 FERNSIDE DR, TOCCOA, GA 30577-7816
Document Number	0012650134
Book / Page	1265 / 134
Instrument Date	Aug 25, 2021
Instrument	2021-001242
Transaction Type	Transfer
Record Updated	Aug 4, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1422 FERNSIDE DR, TOCCOA, GA 30577-7816
Investor	Possibly a Property Investor

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	$1,449.00 (+50.78%)	$52,794 (+63.39%) Land $3,979 Building $48,815	$131,986 (+63.39%) Land $9,948 Building $122,038
2023	$961.00 (+6.19%)	$32,311 (+6.24%) Land $3,979 Building $28,332	$80,779 (+6.24%) Land $9,948 Building $70,831
2022	$905.00	$30,413 Land $3,979 Building $26,434	$76,032 Land $9,948 Building $66,084

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 · 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

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

Wildfire Risk	Moderate above 42% of the US · lower than 65% 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.

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 130 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
TruVista Communications Cable · Fiber in parts of the area	500 / 50

May also be available: T-Mobile.

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