Stephens County property record for 440 Lovers Ln, Toccoa, GA 30577
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,134 sqft · built 1980 |
| Lot Size | 4.38 acres (191,228 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $210,000 (Aug 2022) |
| Tax Bill | $2,723 (2025) |
| Deeds & Mortgages | Aug 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T32 015 |
| Primary APN | T32 015 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,134 sqft Heated Area |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 191,228 sqft (4.38 acres) |
| Terrain | Gentle Slope |
| Garage Area | 852 sqft |
| Porch | Porch |
| Porch Area | 296 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Account Number | 781300 |
|---|---|
| Street Address | 440 LOVERS LN |
| City | TOCCOA |
| State | GA |
| Zip | 30577-8322 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS |
| Legal Description | LOVERS LN |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | TOCCOA |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 970102 |
Source: Stephens County records, as of March 11, 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 Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 1552 ROCK QUARRY CIR, TOCCOA, GA 30577-8482 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 30, 2022 · Amount on Record |
| Deed Sale | Aug 30, 2022 · Amount on Record |
| Deed Document Number | 0001308311 |
| Deed Book / Page | 1308 / 311 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Aug 30, 2022 |
| Property Address | 440 LOVERS LN, TOCCOA, GA 30577-8322 |
| Document Number | 0013080311 |
| Book / Page | 1308 / 311 |
| Instrument Date | Aug 30, 2022 |
| Instrument | 2022-001270 |
| Transaction Type | Transfer |
| Record Updated | Nov 30, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1552 ROCK QUARRY CIR, TOCCOA, GA 30577-8482 |
| Document Number | 0013080000000312 |
|---|---|
| Date | Aug 31, 2022 |
| Book Page | 0000001308/0000000312 |
| Name | HOMEOWNERS FINANCIAL |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2052 |
Source: Stephens County assessment roll, as of July 1, 2025
| 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 | $2,723.00 (+45.46%) | $99,209 (+57.75%) Land $8,604 Building $90,605 | $248,024 (+57.75%) Land $21,511 Building $226,513 |
| 2023 | $1,872.00 (+10.44%) Homeowner's exemption | $62,890 (+10.42%) Land $8,604 Building $54,286 | $157,227 (+10.42%) Land $21,511 Building $135,716 |
| 2022 | $1,695.00 Homeowner's exemption | $56,957 Land $8,604 Building $48,353 | $142,393 Land $21,511 Building $120,882 |
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.
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 |
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 48% of the US · above 58% 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: 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 |
| 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.
Source: FCC Broadband Data Collection, based on 36 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Point Broadband Fiber | 1,000 / 1,000 |
| TruVista Communications Cable | 500 / 50 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures