Stephens County property record for 289 Shady Creek Rd, Toccoa, GA 30577
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,870 sqft · built 2007 |
| Lot Size | 13.2 acres (577,170 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $55,000 (Sep 2002) |
| Tax Bill | $4,865 (2025) |
| Deeds & Mortgages | Aug 2022 Mortgage May 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 033 218 |
| Primary APN | 033 218 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,870 sqft Heated Area |
| Basement Area | 1,435 sqft |
| Finished Basement | 1,435 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 577,170 sqft (13.2 acres) |
| Garage Area | 462 sqft |
| Pool Area | 512 sqft |
|---|---|
| Deck Area | 304 sqft |
| Patio Area | 304 sqft |
| Canopy | 400 sqft |
| Utility Building | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Electric |
| Account Number | 447662 |
|---|---|
| Street Address | 289 SHADY CREEK RD |
| City | TOCCOA |
| State | GA |
| Zip | 30577-6716 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AR |
| Legal Description | TRACT 6 & 4.18 AC SHADY CREEK RD |
| Legal Subdivision | AC SHADY CREEK |
| Legal Tract | 6 |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | MARTIN-AVALON |
| Census Block Group | 2 |
| Census Block | 2051 |
| Census Tract | 970401 |
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 Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 289 SHADY CREEK RD, TOCCOA, GA 30577-6716 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 29, 2022 | Deed of Trust, Mortgage · Commercial Mortgage SOUTHSTATE BANK |
| May 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS |
| Dec 10, 2019 | Deed of Trust, Mortgage · Conventional Mortgage OCONEE FED'L S&L ASSN |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 16, 2002 · Amount on Record |
| Deed Sale | Sep 16, 2002 · Amount on Record |
| Last Transfer Date | Jan 31, 2007 |
| Transfer Doc | 0008130260 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 289 SHADY CREEK RD, TOCCOA, GA 30577-6716 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 289 SHADY CREEK RD, TOCCOA, GA 30577-6716 |
| Document Number | 0013080000000028 |
|---|---|
| Date | Aug 29, 2022 |
| Book Page | 0000001308/0000000028 |
| Instrument | 001426 |
| Name | SOUTHSTATE BANK |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jan 1, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 289 SHADY CREEK RD, TOCCOA, GA 30577-6716 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 289 SHADY CREEK RD, TOCCOA, GA 30577-6716 |
| Document Number | 0012520000000488 |
|---|---|
| Date | May 25, 2021 |
| Book Page | 0000001252/0000000488 |
| Name | QUICKEN LOANS |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 289 SHADY CREEK RD, TOCCOA, GA 30577-6716 |
| Document Number | 0011970117 |
| Instrument Date | Dec 10, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 2, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 289 SHADY CREEK RD TOCCOA GA 305776716, TOCCOA, GA 30577-6716 |
| Document Number | 0011970117 |
|---|---|
| Date | Dec 16, 2019 |
| Book Page | 001197/000117 |
| Name | OCONEE FED'L S&L ASSN |
|---|---|
| Type | Federal Savings Bank |
| Address | SENECA, SC 29678 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Dec 15, 2029 |
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 | $4,865.00 (+28.94%) Homeowner's exemption | $210,568 (+63.54%) Land $19,430 Building $191,138 | $526,420 (+63.54%) Land $48,576 Building $477,844 |
| 2023 | $3,773.00 (+4.72%) Homeowner's exemption | $128,758 (+6.38%) Land $19,430 Building $109,328 | $321,897 (+6.38%) Land $48,576 Building $273,321 |
| 2022 | $3,603.00 Homeowner's exemption | $121,037 Land $19,430 Building $101,607 | $302,593 Land $48,576 Building $254,017 |
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 · 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 100 ft |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · above 51% 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 10 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| TruVista Communications Cable | 500 / 50 |
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