425 Valley Dr, Toccoa, GA 30577 Property Records

Stephens County property record for 425 Valley Dr, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,833 sqft · built 1957
Lot Size	0.57 acres (24,829 sqft)
Owner	2 Individual Names on Record
Last Sale	$129,900 (Jan 2019)
Tax Bill	$2,708 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Feb 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T29 091`

Property Details

APN / Parcel Number

Primary APN	`T29 091`
Alternative APN	`740650`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,833 sqft Heated Area
Basement Area	862 sqft
Finished Basement	862 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1981
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Roof Type	Hip
Roof Material	Metal
Lot Area	24,829 sqft (0.57 acres)

Exterior Amenities

Porch	Slab
Porch Area	219 sqft
Canopy	360 sqft
Utility Building	200 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	740650
Street Address	425 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	PT LOT 44 & LOT 46 AGNEW S/D
Legal Subdivision	AGNEW S/D
Legal Lot Number	46,44
Jurisdiction	STEPHENS GA
Township / Civil Division	TOCCOA
Census Block Group	1
Census Block	1011
Census Tract	970302

Owner

Source: Stephens County records, as of March 12, 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	425 VALLEY DR, TOCCOA, GA 30577-6204
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2023	Quit Claim Deed, Transfer · FHA Mortgage NATION STAR MORTGAGE
Feb 1, 2019	Grant Deed, Transfer · FHA Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 31, 2019 · Amount on Record
Deed Sale	Jan 31, 2019 · Amount on Record
Prior Sale	Apr 30, 2014 · Amount on Record
Deed Document Number	201989
Deed Book / Page	1169 / 420
Last Transfer Date	Apr 6, 2023
Transfer Doc	0013260325
Record Updated	Jun 8, 2026

April 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STEPHENS GA
Recording Date	Apr 6, 2023
Property Address	425 VALLEY DR, TOCCOA, GA 30577-6204
Document Number	0013260325
Book / Page	1326 / 325
Instrument Date	Apr 6, 2023
Instrument	2023-000383
Transaction Type	Transfer
Record Updated	May 26, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 VALLEY DR, TOCCOA, GA 30577-6204
Investor	Possibly a Property Investor

Mortgage

Document Number	2023000441
Date	Apr 6, 2023
Instrument	2023000441

Lender

Name	NATION STAR MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Jan 1, 2053

February 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STEPHENS GA
Recording Date	Feb 1, 2019
Property Address	425 VALLEY DR, TOCCOA, GA 30577-6204
Document Number	0011690420
Book / Page	001169 / 000420
Instrument Date	Jan 31, 2019
Transaction Type	Transfer
Record Updated	Feb 27, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$129.90
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 VALLEY DR TOCCOA GA 305776204, TOCCOA, GA 30577-6204

Mortgage

Document Number	11690422
Date	Feb 1, 2019
Book Page	001169/000422

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 31, 2049

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	$2,708.00 (+38.52%) Homeowner's exemption	$94,717 (+66.25%) Land $2,901 Building $91,816	$236,793 (+66.25%) Land $7,253 Building $229,540
2023	$1,955.00 (+3%) Homeowner's exemption	$56,974 (+6.14%) Land $2,901 Building $54,073	$142,436 (+6.14%) Land $7,253 Building $135,183
2022	$1,898.00 Homeowner's exemption	$53,678 Land $2,901 Building $50,777	$134,195 Land $7,253 Building $126,942

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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