185 Pine Valley Dr, Toccoa, GA 30577 Property Records

Stephens County property record for 185 Pine Valley Dr, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,832 sqft · built 1961
Lot Size	0.369 acres (16,117 sqft)
Owner	Individual Name on File
Last Sale	$150,000 (Jan 2020)
Tax Bill	$2,076 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T25 125`

Property Details

APN / Parcel Number

Primary APN	`T25 125`
Alternative APN	`682600`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,832 sqft Heated Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1996
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	16,117 sqft (0.369 acres)
Terrain	Gentle Slope
Garage Type	Carport
Carport	Carport
Carport Area	228 sqft
Porch	Porch
Porch Area	245 sqft
Utility Building	204 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	682600
Street Address	185 PINE VALLEY DR
City	TOCCOA
State	GA
Zip	30577-1821
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-IA
Legal Description	LOT 123 PINE VALLEY S/D
Legal Subdivision	PINE VALLEY
Legal Lot Number	123
Jurisdiction	STEPHENS GA
Township / Civil Division	TOCCOA
Census Block Group	2
Census Block	2013
Census Tract	970102

Owner

Source: Stephens County assessment roll, as of July 1, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	185 PINE VALLEY DR, TOCCOA, GA 30577-1821
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES
Jan 17, 2020	Deed of Trust, Transfer · VA Mortgage VETERANS UNITED HM LNS
Oct 13, 2017	Grant Deed, Transfer · Conventional Mortgage FIRST CMNWLT MTG CORP

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 17, 2020 · Amount on Record
Deed Sale	Jan 17, 2020 · Amount on Record
Prior Sale	Oct 11, 2017 · Amount on Record
Deed Document Number	0001200117
Deed Book / Page	1200 / 117
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	185 PINE VALLEY DR, TOCCOA, GA 30577-1821
Transaction Type	Mortgage
Record Updated	Nov 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	185 PINE VALLEY DR, TOCCOA, GA 30577-1821

Mortgage

Document Number	0012690000000255
Date	Oct 5, 2021
Book Page	0000001269/0000000255

Lender

Name	PENNYMAC LOAN SERVICES

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Jan 1, 2050

January 2020: Deed of Trust, Transfer

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	185 PINE VALLEY DR, TOCCOA, GA 30577-1821
Instrument Date	Jan 17, 2020
Transaction Type	Transfer
Record Updated	Feb 6, 2020
Title Company	ATTORNEY ONLY

Transaction

Additional	Arm's Length Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	185 PINE VALLEY DR TOCCOA GA 305771821, TOCCOA, GA 30577-1821

Mortgage

Document Number	12000118
Date	Jan 23, 2020
Book Page	001200/000118

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 22, 2050

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STEPHENS GA
Recording Date	Oct 13, 2017
Property Address	185 PINE VALLEY DR, TOCCOA, GA 30577-1821
Document Number	0011330461
Book / Page	001133 / 000461
Instrument Date	Oct 11, 2017
Transaction Type	Transfer
Record Updated	Dec 5, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$115.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	185 PINE VALLEY DR TOCCOA GA 305771821, TOCCOA, GA 30577-1821

Mortgage

Document Number	11330463
Date	Oct 13, 2017
Book Page	001133/000463

Lender

Name	FIRST CMNWLT MTG CORP
Address	LOUISVILLE, KY 40222

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 12, 2047

Tax Assessment & Valuation

Source: Stephens County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,076.00 (+59.08%) Homeowner's exemption Disabled Person's exemption	$98,277 (+64.83%) Land $3,513 Building $94,764	$245,694 (+64.83%) Land $8,783 Building $236,911
2023	$1,305.00 (-35.14%) Homeowner's exemption	$59,624 (+4.79%) Land $3,513 Building $56,111	$149,060 (+4.79%) Land $8,783 Building $140,277
2022	$2,012.00 Homeowner's exemption	$56,897 Land $3,513 Building $53,384	$142,242 Land $8,783 Building $133,459

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	2 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	Low lower than 66% of the US · lower than 89% of Georgia
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 126 locations within half a mile, as of December 31, 2025

Provider	Max 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 Fiber Holding, Uniti Group, Verizon.

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