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183 Lovers Ln, Toccoa, GA 30577 Property Records

Stephens County property record for 183 Lovers Ln, Toccoa, GA 30577

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,090 sqft · built 2023
Lot Size3.02 acres (131,551 sqft)
OwnerIndividual Name on Record
Tax Bill$2,590 (2025)
Deeds & MortgagesApr 2023 Mortgage
Feb 2023 Transfer
Flood ZoneZone X (minimal risk)
APNT23 023A

Property Details

APN / Parcel Number

Primary APNT23 023A
Alternative APNs
  • 990470
  • 96579

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms7 Rooms
Stories1 Story
Building Area2,090 sqft Heated Area
FlooringHardwood
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2023
Effective Year BuiltEffective 2023
Architectural StyleRanch
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialMetal
Lot Area131,551 sqft (3.02 acres)
TerrainGentle Slope
PorchSlab
Pole Barn1,716 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric
Water SourceCommercial

Location & Zoning

Account Number990470
Street Address183 LOVERS LN
CityTOCCOA
StateGA
Zip30577-9184
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRS
Legal DescriptionTRACT 2 LOVERS LN
Legal Subdivision0300 - PRIMARY - AC
Legal Tract2
JurisdictionSTEPHENS GA
Township / Civil DivisionTOCCOA
Census Block Group1
Census Block1060
Census Tract970102

Owner

Source: Stephens County records, as of March 12, 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 RecordIndividual Name on Record
Mailing Address183 LOVERS LN, TOCCOA, GA 30577-9184
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 18, 2023Deed of Trust, Mortgage · Conventional Mortgage
OCONEE FEDERAL SAVINGS AND LOAN
Feb 22, 2023Quit Claim Deed, Transfer
Quitclaim

Assessor's Deed Record

Deed NamesName on Deed
Last Transfer DateFeb 22, 2023
Transfer Doc0013220396
Record UpdatedJun 8, 2026

April 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSTEPHENS GA
Property Address183 LOVERS LN, TOCCOA, GA 30577-9184
Transaction TypeMortgage
Record UpdatedMar 1, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address183 LOVERS LN, TOCCOA, GA 30577-9184

Mortgage

Document Number0013270000000334
DateApr 18, 2023
Book Page0000001327/0000000334
Lender
NameOCONEE FEDERAL SAVINGS AND LOAN
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJan 1, 2054

February 2023: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSTEPHENS GA
Recording DateFeb 22, 2023
Property Address183 LOVERS LN, TOCCOA, GA 30577-9184
Document Number0013220396
Book / Page1322 / 396
Instrument DateFeb 22, 2023
Instrument2023-000186
Transaction TypeTransfer
Record UpdatedMar 1, 2024

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address312 MALONE DR, TOCCOA, GA 30577-8269

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateGeorgia
CountyStephens County
Unified School DistrictStephens County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,590.00 (+2,094.92%) Homeowner's exemption$96,372 (+2,322.62%) Land $3,696 Building $92,676$240,932 (+2,322.64%) Land $9,241 Building $231,691
2023$118.00$3,978 (-) Land $3,696 Building $282$9,945 (-) Land $9,241 Building $704
2022$118.00$3,978 Land $3,696 Building $282$9,945 Land $9,241 Building $704

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 26, 2008 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 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 RiskModerate
above 46% of the US · above 51% of Georgia
Wildfire Likelihood0.1% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemTOCCOA
serves 28,711 people · EPA ID GA2570001
Water SourceSurface water
Last State InspectionJul 2025
LeadUnder 1 ppb (2020–2022)
action level 15 ppb

Violations Reported to EPA

Water QualityTotal trihalomethanes
resolved · Oct 2024
Haloacetic acids
resolved · Apr 2024
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 126 locations within half a mile, as of December 31, 2025

ProviderMax 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, Verizon, Windstream.

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