281 Lovell Rd, Toccoa, GA 30577 Property Records

Stephens County property record for 281 Lovell Rd, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,680 sqft · built 1976
Lot Size	0.46 acres (20,038 sqft)
Owner	Individual Name on File
Last Sale	$245,000 (Jun 2022)
Tax Bill	$3,652 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Jun 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T22 047`

Property Details

APN / Parcel Number

Primary APN	`T22 047`
Alternative APN	`710850`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,680 sqft Heated Area
Basement Area	567 sqft
Unfinished Basement	567 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 2010
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	20,038 sqft (0.46 acres)
Terrain	Gentle Slope
Garage Type	Carport
Garage Area	576 sqft
Carport	Carport
Carport Area	576 sqft
Deck Area	170 sqft
Patio Area	170 sqft
Utility Building	64 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	710850
Street Address	281 LOVELL RD
City	TOCCOA
State	GA
Zip	30577-3629
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-IA
Legal Description	LOT 2 LOVELL HEIGHTS S/D
Legal Subdivision	LOVELL HEIGHTS
Legal Lot Number	2
Jurisdiction	STEPHENS GA
Township / Civil Division	TOCCOA
Census Block Group	2
Census Block	2028
Census Tract	970301

Owner

281 Lovell Rd is owned and occupied by an individual who bought it in June 2022.

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

Owner of Record	Individual Name on File
Mailing Address	281 LOVELL RD, TOCCOA, GA 30577-3629
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
Jun 17, 2022	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER
Jun 17, 2022	Warranty Deed, Subdivision Related Transfer
Nov 2, 2021	Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 17, 2022 · Amount on File
Deed Sale	Jun 17, 2022 · Amount on File
Prior Sale	Feb 14, 2022 · Amount on File
Deed Document Number	2022933
Deed Book / Page	1301 / 60
Prior Transfer Date	Nov 2, 2021
Prior Transfer Doc	0000000224
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	281 LOVELL RD, TOCCOA, GA 30577-3629
Transaction Type	Mortgage
Record Updated	Nov 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	281 LOVELL RD, TOCCOA, GA 30577-3629

Mortgage

Document Number	0013010000000062
Date	Jun 17, 2022
Book Page	0000001301/0000000062
Instrument	2022000997

Lender

Name	MORTGAGE RESEARCH CENTER

Agreement

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

June 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Jun 17, 2022
Property Address	281 LOVELL RD, TOCCOA, GA 30577-3629
Document Number	0013010060
Book / Page	1301 / 60
Instrument Date	Jun 17, 2022
Instrument	2022-000933
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 30, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	281 LOVELL RD, TOCCOA, GA 30577-3629

November 2021: Foreclosure

Document Type	Foreclosure
Jurisdiction	STEPHENS GA
Recording Date	Nov 2, 2021
Property Address	281 LOVELL RD, TOCCOA, GA 30577-3629
Document Number	0012850431
Book / Page	1285 / 431
Instrument Date	Nov 2, 2021
Instrument	2022-000224
Transaction Type	Foreclosure
Record Updated	Nov 30, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12460 CRABAPPLE RD, ALPHARETTA, GA 30004-6602

Tax Assessment & Valuation

The 2025 property tax bill for 281 Lovell Rd was $3,652.

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

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	$3,652.00	$104,697 Land $861 Building $103,836	$261,744 Land $2,153 Building $259,591
2023	$2,241.00 (+73.59%)	$63,362 (+73.56%) Land $861 Building $62,501	$158,406 (+73.56%) Land $2,153 Building $156,253
2022	$1,291.00	$36,508 Land $861 Building $35,647	$91,270 Land $2,153 Building $89,117

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 281 Lovell Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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 281 Lovell Rd is low, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · lower than 80% of Georgia
Wildfire Likelihood	0.06% 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 109 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TruVista Communications Cable	500 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Windstream.

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