Stephens County property record for 403 Valley Dr, Toccoa, GA 30577
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,442 sqft · built 1960 |
| Lot Size | 0.389 acres (16,988 sqft) |
| Owner | Individual Name on File |
| Last Sale | $130,000 (Jan 2022) |
| Tax Bill | $1,071 (2025) |
| Deeds & Mortgages | Oct 2022 Line of Credit Jun 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T29 090 |
| Primary APN | T29 090 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,442 sqft Heated Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 16,988 sqft (0.389 acres) |
| Terrain | Gentle Slope |
| Garage Type | Carport |
| Carport | Carport |
| Carport Area | 312 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 88 sqft |
| Patio Area | 132 sqft |
| Utility Building | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 740600 |
|---|---|
| Street Address | 403 VALLEY DR |
| City | TOCCOA |
| State | GA |
| Zip | 30577-6204 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-IA |
| Legal Description | LOT 42 & PT LOT 44 AGNEW S/D |
| Legal Subdivision | AGNEW S/D |
| Legal Lot Number | 42+ |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | TOCCOA |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 970302 |
Source: Stephens County records · APN T29 090
Assessment roll updated July 1, 2025 · Last verified March 2026
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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 403 VALLEY DR, TOCCOA, GA 30577-6204 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 06, 2022 | Deed of Trust, Mortgage · Line of Credit REGIONS BANK |
| Jun 09, 2023 | Deed of Trust, Mortgage · VA Mortgage AMERISAVE MORTGAGE |
| Jan 18, 2022 | Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 18, 2022 · Amount on Record |
| Deed Sale | Jan 18, 2022 · Amount on Record |
| Prior Sale | Apr 28, 2008 · Amount on Record |
| Deed Document Number | 0001283135 |
| Deed Book / Page | 1283 / 135 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 403 VALLEY DR, TOCCOA, GA 30577-6204 |
| Transaction Type | Mortgage |
| Record Updated | Feb 03, 2026 |
| Name | Verified Name |
|---|---|
| Address | 403 VALLEY DR, TOCCOA, GA 30577-6204 |
| Document Number | 0013110000000294 |
|---|---|
| Date | Oct 06, 2022 |
| Book Page | 0000001311/0000000294 |
| Name | REGIONS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 01, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 403 VALLEY DR, TOCCOA, GA 30577-6204 |
| Transaction Type | Mortgage |
| Record Updated | Nov 10, 2023 |
| Name | Verified Name |
|---|---|
| Address | 403 VALLEY DR, TOCCOA, GA 30577-6204 |
| Document Number | 0013330000000065 |
|---|---|
| Date | Jun 09, 2023 |
| Book Page | 0000001333/0000000065 |
| Instrument | 000818 |
| Name | AMERISAVE MORTGAGE |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Jan 18, 2022 |
| Property Address | 403 VALLEY DR, TOCCOA, GA 30577-6204 |
| Document Number | 0012830135 |
| Book / Page | 1283 / 135 |
| Instrument Date | Jan 18, 2022 |
| Instrument | 2022-000059 |
| Transaction Type | Transfer |
| Record Updated | Aug 04, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 27 PECAN DR, OCALA, FL 34472-9539 |
| Document Number | 0012830000000137 |
|---|---|
| Date | Jan 24, 2022 |
| Book Page | 0000001283/0000000137 |
| Name | ATLANTIC BAY MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2052 |
Source: Stephens County records · Assessment roll updated July 1, 2025 · Last verified March 2026
| Type | Name |
|---|---|
| State | Georgia |
| County | Stephens County |
| Municipality | Toccoa City |
| Unified School District | Stephens County School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,071.00 (+117.68%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $73,574 (+66.57%) Land $2,404 Building $71,170 | $183,933 (+66.57%) Land $6,009 Building $177,924 |
| 2023 | $492.00 (-66.51%) | $44,170 (+6.35%) Land $2,404 Building $41,766 | $110,425 (+6.35%) Land $6,009 Building $104,416 |
| 2022 | $1,469.00 | $41,534 Land $2,404 Building $39,130 | $103,835 Land $6,009 Building $97,826 |
Source: FEMA National Flood Hazard Layer as of September 26, 2008 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| Wildfire Risk | Low lower than 67% of the US · lower than 91% of Georgia |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Uniti Group 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.
Based on FCC filings for 241 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOCCOA serves 28,711 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2025 |
| Lead | Under 1 ppb (2020–2022) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures