Stephens County property record for 428 Valley Rd, Toccoa, GA 30577
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,405 sqft · built 1958 |
| Lot Size | 0.89 acres (38,768 sqft) |
| Owner | Individual Name on File |
| Last Sale | $177,500 (Aug 2000) |
| Tax Bill | $2,698 (2025) |
| Deeds & Mortgages | Aug 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T35 155 |
| Primary APN | T35 155 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 3,405 sqft Heated Area |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | No Foundation |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 38,768 sqft (0.89 acres) |
| Terrain | Gentle Slope |
| Garage Area | 667 sqft |
| Pool Area | 800 sqft |
| Utility Building | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Account Number | 769750 |
|---|---|
| Street Address | 428 VALLEY RD |
| City | TOCCOA |
| State | GA |
| Zip | 30577-6343 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-IA |
| Legal Description | LOTS 66 & 67 CLEARVIEW S/D |
| Legal Subdivision | CLEARVIEW |
| Legal Lot Number | 66,67 |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | TOCCOA |
| Census Block Group | 4 |
| Census Block | 4045 |
| Census Tract | 970102 |
Source: Stephens County assessment roll, APN T35 155, as of March 12, 2026 · Last verified April 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 |
|---|---|
| Mailing Address | 428 VALLEY RD, TOCCOA, GA 30577-6343 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 23, 2000 · Amount on Record |
| Deed Sale | Aug 23, 2000 · Amount on Record |
| Prior Sale | May 01, 1995 · Amount on Record |
| Transfer Doc | 0009220141 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 428 VALLEY RD, TOCCOA, GA 30577-6343 |
| Transaction Type | Mortgage |
| Record Updated | Sep 23, 2022 |
| Name | Verified Name |
|---|---|
| Address | 428 VALLEY RD, TOCCOA, GA 30577-6343 |
| Document Number | 0013060000000499 |
|---|---|
| Date | Aug 17, 2022 |
| Book Page | 0000001306/0000000499 |
| Instrument | 001356 |
| Name | UNITED COMMUNITY BANK |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jan 01, 2047 |
Source: Stephens County assessment roll as of March 12, 2026 · Last verified April 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 | $2,698.00 (+54.26%) Homeowner's exemption Senior Citizen's exemption | $126,851 (+60.92%) Land $6,558 Building $120,293 | $317,126 (+60.92%) Land $16,394 Building $300,732 |
| 2023 | $1,749.00 (-33.78%) Homeowner's exemption | $78,827 (+5.54%) Land $6,558 Building $72,269 | $197,066 (+5.54%) Land $16,394 Building $180,672 |
| 2022 | $2,641.00 Homeowner's exemption | $74,692 Land $6,558 Building $68,134 | $186,729 Land $16,394 Building $170,335 |
Source: FEMA National Flood Hazard Layer, Stephens County (13257C), as of September 26, 2008 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 132579701024, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Wildfire Risk | Moderate above 43% of the US · lower than 61% of Georgia |
|---|---|
| Wildfire Likelihood | 0.07% 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, 200 locations within half a mile, 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 |
| Point Broadband Fiber Holding Fiber | 1,000 / 1,000 |
| TruVista Communications Cable | 500 / 50 |
Source: EPA Safe Drinking Water Information System, water system GA2570001, 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.
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