1589 Fernside Dr, Toccoa, GA 30577 Property Records

Stephens County property record for 1589 Fernside Dr, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,528 sqft · built 1949
Lot Size	1.75 acres (76,230 sqft)
Owner	Individual Name on File
Last Sale	$159,000 (Sep 2019)
Tax Bill	$2,797 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`042G 060`

Property Details

APN / Parcel Number

Primary APN	`042G 060`
Alternative APN	`387400`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,528 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Effective Year Built	Effective 2008
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	76,230 sqft (1.75 acres)
Terrain	Gentle Slope
Garage Type	Carport
Garage Area	406 sqft
Carport	Carport
Carport Area	406 sqft

Exterior Amenities

Porch	Slab
Porch Area	372 sqft
Deck Area	120 sqft
Patio Area	120 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	387400
Street Address	1589 FERNSIDE DR
City	TOCCOA
State	GA
Zip	30577-7823
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	4056
Census Tract	970102

Owner

1589 Fernside Dr is owned and occupied by an individual who bought it in September 2019.

Source: Stephens County records, as of March 12, 2026

Owner of Record	Individual Name on File
Mailing Address	1589 FERNSIDE DR, TOCCOA, GA 30577-7823
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

Date	Document
Dec 27, 2021	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING
Sep 27, 2019	Grant Deed, Transfer · FHA Mortgage CROSSCOUNTRY MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 25, 2019 · Amount on File
Deed Sale	Sep 25, 2019 · Amount on File
Prior Sale	Sep 22, 2004
Deed Document Number	20191138
Deed Book / Page	1190 / 77
Prior Transfer Date	Oct 1, 2013
Prior Transfer Doc	0010280003
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	1589 FERNSIDE DR, TOCCOA, GA 30577-7823
Transaction Type	Mortgage
Record Updated	Jan 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1589 FERNSIDE DR, TOCCOA, GA 30577-7823

Mortgage

Document Number	0012800000000073
Date	Dec 27, 2021
Book Page	0000001280/0000000073

Lender

Name	LAKEVIEW LOAN SERVICING

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STEPHENS GA
Recording Date	Sep 27, 2019
Property Address	1589 FERNSIDE DR, TOCCOA, GA 30577-7823
Document Number	0011900077
Book / Page	001190 / 000077
Instrument Date	Sep 25, 2019
Transaction Type	Transfer
Record Updated	Oct 10, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$159.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1589 FERNSIDE DR TOCCOA GA 305777823, TOCCOA, GA 30577-7823

Mortgage

Document Number	11900079
Date	Sep 27, 2019
Book Page	001190/000079

Lender

Name	CROSSCOUNTRY MTG
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 26, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1589 Fernside Dr was $2,797.

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	$2,797.00	$101,901 Land $3,769 Building $98,132	$254,754 Land $9,423 Building $245,331
2023	$1,971.00 (+5.34%)	$66,228 (+5.32%) Land $3,769 Building $62,459	$165,571 (+5.32%) Land $9,423 Building $156,148
2022	$1,871.00	$62,881 Land $3,769 Building $59,112	$157,203 Land $9,423 Building $147,780

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 1589 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 1589 Fernside Dr is moderate, ranking above 45% 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 45% of the US · above 47% 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 45 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Point Broadband Fiber	1,000 / 1,000
TruVista Communications Cable · Fiber in parts of the area	500 / 50
Windstream DSL · Fiber in parts of the area	200 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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