398 Valley Dr, Toccoa, GA 30577 Property Records

Stephens County property record for 398 Valley Dr, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,305 sqft · built 1957
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on Record
Last Sale	$211,000 (Jan 2026)
Tax Bill	$2,853 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Jan 2026 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`T29 072`

Property Details

APN / Parcel Number

Primary APN	`T29 072`
Alternative APN	`741850`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,305 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1957
Effective Year Built	Effective 2010
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Foundation Type	No Foundation
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	11,326 sqft (0.26 acres)
Terrain	Gentle Slope
Garage Type	Carport
Garage Area	294 sqft
Carport	Carport
Carport Area	294 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	270 sqft
Utility Building	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	741850
Street Address	398 VALLEY DR
City	TOCCOA
State	GA
Zip	30577-6210
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-IA
Legal Description	LOT 41 AGNEW S/D
Legal Subdivision	AGNEW S/D
Legal Lot Number	41
Jurisdiction	STEPHENS GA
Township / Civil Division	TOCCOA
Census Block Group	1
Census Block	1013
Census Tract	970302

Owner

Source: Stephens County records, as of June 30, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	398 VALLEY DR, TOCCOA, GA 30577-6210
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2024	Deed of Trust, Mortgage · FHA Mortgage US DEPARTMENT OF HOUSING AND URBAN DEVEL
Jan 23, 2026	Limited Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE DBA NO
Jan 23, 2026	Quit Claim Deed, Transfer Quitclaim
Nov 6, 2025	Quit Claim Deed, Transfer Quitclaim
Dec 5, 2025	Warranty Deed, Transfer
Mar 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage HOMESTAR FINANCIAL
Mar 11, 2022	Warranty Deed, Transfer · FHA Mortgage HOMESTAR FINANCIAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 23, 2026 · Amount on Record
Deed Sale	Jan 23, 2026 · Amount on Record
Prior Sale	Dec 5, 2025 · Amount on Record
Deed Book / Page	1437 / 50
Prior Transfer Date	Jan 21, 2026
Prior Transfer Doc	0014370071
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	398 VALLEY DR, TOCCOA, GA 30577-6210
Transaction Type	Mortgage
Record Updated	Mar 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	398 VALLEY DR, TOCCOA, GA 30577-6210
Investor	Possibly a Property Investor

Mortgage

Document Number	0013620000000114
Date	Apr 1, 2024
Book Page	0000001362/0000000114

Lender

Name	US DEPARTMENT OF HOUSING AND URBAN DEVEL

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Jan 1, 2052

January 2026: Limited Warranty Deed, Subdivision Related Transfer

Document Type	Limited Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Jan 23, 2026
Property Address	398 VALLEY DR, TOCCOA, GA 30577-6210
Document Number	0014370050
Book / Page	1437 / 50
Instrument Date	Jan 21, 2026
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 23, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2.11
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	398 VALLEY DR, TOCCOA, GA 30577-6210

Mortgage

Document Number	0000143753
Date	Jan 23, 2026
Instrument	1437/53

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE DBA NO

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2056

January 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STEPHENS GA
Recording Date	Jan 23, 2026
Property Address	398 VALLEY DR, TOCCOA, GA 30577-6210
Document Number	0014370071
Book / Page	1437 / 71
Instrument Date	Jan 21, 2026
Transaction Type	Transfer
Record Updated	Mar 23, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	398 VALLEY DR, TOCCOA, GA 30577-6210

November 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STEPHENS GA
Recording Date	Nov 6, 2025
Property Address	398 VALLEY DR, TOCCOA, GA 30577-6210
Document Number	0014290219
Book / Page	1429 / 219
Instrument Date	Nov 6, 2025
Instrument	2025-003480
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6595 ROSWELL RD STE G, G, ATLANTA, GA 30328-3152
Investor	Possibly a Property Investor

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Dec 5, 2025
Property Address	398 VALLEY DR, TOCCOA, GA 30577-6210
Document Number	0014320102
Book / Page	1432 / 102
Instrument Date	Nov 4, 2025
Instrument	D2025-003753
Transaction Type	Transfer
Record Updated	Mar 16, 2026

Transaction

Amount	Amount Recorded
Tax	$1.82
Amount Accuracy	Verified / From Affidavit
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6789 REINHARDT COLLEGE PKWY, WALESKA, GA 30183-3265
Investor	Possibly a Property Investor

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	398 VALLEY DR, TOCCOA, GA 30577-6210
Transaction Type	Mortgage
Record Updated	Nov 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	398 VALLEY DR, TOCCOA, GA 30577-6210

Mortgage

Document Number	0012890000000127
Date	Mar 11, 2022
Book Page	0000001289/0000000127
Instrument	000394

Lender

Name	HOMESTAR FINANCIAL

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Mar 11, 2022
Property Address	398 VALLEY DR, TOCCOA, GA 30577-6210
Document Number	0012890059
Book / Page	1289 / 59
Instrument Date	Mar 11, 2022
Instrument	2022-000370
Transaction Type	Transfer
Record Updated	Feb 13, 2025

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	398 VALLEY DR, TOCCOA, GA 30577-6210
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000393
Date	Mar 11, 2022
Instrument	000393

Lender

Name	HOMESTAR FINANCIAL

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jan 1, 2052

Mortgage

Document Number	0012890000000127
Date	Mar 11, 2022
Book Page	0000001289/0000000127
Instrument	000394

Lender

Name	HOMESTAR FINANCIAL

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

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	$2,853.00 (+65.49%)	$81,772 (+67.75%) Land $2,036 Building $79,736	$204,432 (+67.75%) Land $5,091 Building $199,341
2023	$1,724.00 (+6.68%) Homeowner's exemption	$48,746 (+6.66%) Land $2,036 Building $46,710	$121,867 (+6.66%) Land $5,091 Building $116,776
2022	$1,616.00 Homeowner's exemption	$45,703 Land $2,036 Building $43,667	$114,259 Land $5,091 Building $109,168

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	3 (2009–2020)
Claims Outside the SFHA	1 of 3
Most Recent Claim	May 2020 · other causes
Claims by Event	Severe Storms And Flooding, Sep 2009 · 2 claims

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 67% of the US · lower than 91% of Georgia
Wildfire Likelihood	0.04% 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 241 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
TruVista Communications Cable · Fiber in parts of the area	500 / 50

May also be available: Verizon.

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