Stephens County property record for 1950 Harbert Valley Rd, Toccoa, GA 30577
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,604 sqft · built 1990 |
| Lot Size | 41 acres (1,785,960 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $31,700 (Jan 1989) |
| Tax Bill | $1,532 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 058 021 |
| Primary APN | 058 021 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,604 sqft Heated Area |
| Basement Area | 872 sqft |
| Unfinished Basement | 872 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 1,785,960 sqft (41 acres) |
| Terrain | Gentle Slope |
| Garage Area | 960 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 396 sqft |
| Deck Area | 370 sqft |
| Patio Area | 370 sqft |
| Pole Barn | 240 sqft |
| Cooling System | None |
|---|
| Account Number | 286550 |
|---|---|
| Street Address | 1950 HARBERT VALLEY RD |
| City | TOCCOA |
| State | GA |
| Zip | 30577-7037 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AR |
| Legal Description | HARBERT VALLEY RD |
| Legal Subdivision | 0400 - SECONDARY - AC |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | ROCK CREEK |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 970202 |
Source: Stephens County records, as of October 19, 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 Record | Individual Name on Record |
|---|---|
| Mailing Address | 1950 HARBERT VALLEY RD, TOCCOA, GA 30577-7037 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 1, 1989 · Amount on Record |
| Deed Sale | Jan 1, 1989 · Amount on Record |
| Deed Book / Page | 218 / 356 |
| Last Transfer Date | Jun 23, 2014 |
| Transfer Doc | 0010430061 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Sep 14, 2026 |
| Property Address | 1950 HARBERT VALLEY RD, TOCCOA, GA 30577-7037 |
| Document Number | 1465000126 |
| Book / Page | 1465 / 126 |
| Instrument Date | Sep 4, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Oct 19, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1950 HARBERT VALLEY RD, TOCCOA, GA 30577-7037 |
| Document Number | 1465000126, |
|---|---|
| Date | Sep 14, 2026 |
| Book Page | 1465/126 |
| Name | FIRST CITIZENS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Max Rate | -1% |
|---|
Source: Stephens County assessment roll, as of March 12, 2026
| Type | Name |
|---|---|
| State | Georgia |
| County | Stephens County |
| Unified School District | Stephens County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,532.00 (+13.57%) Homeowner's exemption Senior Citizen's exemption | $99,492 (+24.04%) Land $50,635 Building $48,857 | $248,731 (+24.04%) Land $126,588 Building $122,143 |
| 2023 | $1,349.00 (-42.25%) Homeowner's exemption | $80,209 (+2.2%) Land $50,635 Building $29,574 | $200,522 (+2.19%) Land $126,588 Building $73,934 |
| 2022 | $2,336.00 Homeowner's exemption | $78,486 Land $50,635 Building $27,851 | $196,216 Land $126,588 Building $69,628 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 26, 2008
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 50% of the US · above 63% of Georgia |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| TruVista Communications Fiber | 5,000 / 5,000 |
| HTC Cable | 1,000 / 50 |
4G LTE (outdoors only), no 5G reported
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