1613 Fernside Dr, Toccoa, GA 30577 Property Records

Stephens County property record for 1613 Fernside Dr, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,153 sqft · built 1981
Lot Size	2.69 acres (117,176 sqft)
Owner	2 Individual Names on File
Last Sale	$187,500 (Jan 2016)
Tax Bill	$3,674 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Sep 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`042G 061`

Property Details

APN / Parcel Number

Primary APN	`042G 061`
Alternative APN	`387550`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	3,153 sqft Heated Area
Basement Area	1,167 sqft
Finished Basement	729 sqft
Unfinished Basement	438 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1988
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	117,176 sqft (2.69 acres)
Terrain	Gentle Slope
Garage Area	576 sqft

Exterior Amenities

Porch	Slab
Porch Area	443 sqft
Deck Area	168 sqft
Patio Area	648 sqft
Pole Barn	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	387550
Street Address	1613 FERNSIDE DR
City	TOCCOA
State	GA
Zip	30577-8095
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

1613 Fernside Dr is owned and occupied by two individuals who acquired it in August 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	1613 FERNSIDE DR, TOCCOA, GA 30577-8095
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 22, 2023	Deed of Trust, Mortgage · Line of Credit SOUTHSTATE BANK
Sep 30, 2025	Deed of Trust, Mortgage FREEDOM MORTGAGE
Jun 21, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE
Aug 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE
Aug 18, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 2016 · Amount on File
Deed Sale	Jan 15, 2016 · Amount on File
Prior Sale	Sep 7, 2011
Deed Document Number	201648
Deed Book / Page	1081 / 458
Last Transfer Date	Aug 18, 2022
Transfer Doc	0013070054
Record Updated	Jun 8, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	1613 FERNSIDE DR, TOCCOA, GA 30577-8095
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1613 FERNSIDE DR, TOCCOA, GA 30577-8095

Mortgage

Document Number	0013520000000492
Date	Dec 22, 2023
Book Page	0000001352/0000000492
Instrument	2023001883

Lender

Name	SOUTHSTATE BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	48 Months
Due	Jan 1, 2028

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	1613 FERNSIDE DR, TOCCOA, GA 30577-8095
Transaction Type	Mortgage
Record Updated	Nov 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1613 FERNSIDE DR, TOCCOA, GA 30577-8095

Mortgage

Document Number	0014240000000466
Date	Sep 30, 2025
Book Page	0000001424/0000000466
Instrument	2025003071

Lender

Name	FREEDOM MORTGAGE

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2055

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	1613 FERNSIDE DR, TOCCOA, GA 30577-8095
Transaction Type	Mortgage
Record Updated	Sep 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1613 FERNSIDE DR, TOCCOA, GA 30577-8095

Mortgage

Document Number	0012560000000025
Date	Jun 21, 2021
Book Page	0000001256/0000000025

Lender

Name	FREEDOM MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	300 Months
Due	Jan 1, 2046

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	1613 FERNSIDE DR, TOCCOA, GA 30577-8095
Transaction Type	Mortgage
Record Updated	Sep 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1613 FERNSIDE DR, TOCCOA, GA 30577-8095

Mortgage

Document Number	0013050000000498
Date	Aug 4, 2022
Book Page	0000001305/0000000498
Instrument	001286

Lender

Name	FREEDOM MORTGAGE

Agreement

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

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Aug 18, 2022
Property Address	1613 FERNSIDE DR, TOCCOA, GA 30577-8095
Document Number	0013070054
Book / Page	1307 / 54
Instrument Date	Aug 18, 2022
Instrument	2022-001220
Transaction Type	Transfer
Record Updated	Sep 20, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1613 FERNSIDE DR, TOCCOA, GA 30577-8095

Tax Assessment & Valuation

The 2025 property tax bill for 1613 Fernside Dr was $3,674.

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	$3,674.00	$133,876 Land $4,732 Building $129,144	$334,689 Land $11,830 Building $322,859
2023	$2,470.00 (+5.69%)	$82,972 (+5.67%) Land $4,732 Building $78,240	$207,431 (+5.67%) Land $11,830 Building $195,601
2022	$2,337.00	$78,517 Land $4,732 Building $73,785	$196,292 Land $11,830 Building $184,462

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 1613 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 1613 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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