469 Oak Valley Rd, Toccoa, GA 30577 Property Records

Stephens County property record for 469 Oak Valley Rd, Toccoa, GA 30577

Property Summary

Property Type	Auto Repair, Garage
Details	24,800 sqft · built 2001
Lot Size	13.3 acres (579,348 sqft)
Owner	Individual Name on File
Last Sale	$127,200 (Jan 1999)
Tax Bill	$7,382 (2025)
Deeds & Mortgages	Dec 2021 Sale Apr 2018 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`042H 022`

Property Details

APN / Parcel Number

Primary APN	`042H 022`
Alternative APN	`384850`

Interior

Stories	1 Story
Building Area	24,800 sqft Total Area
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Architectural Style	Conventional
Exterior Material	Metal
Construction Type	Concrete
Roof Material	Metal
Lot Area	579,348 sqft (13.3 acres)
Terrain	Gentle Slope
Canopy	660 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Window A/C

Location & Zoning

Account Number	384850
Street Address	469 OAK VALLEY RD
City	TOCCOA
State	GA
Zip	30577-7829
Property Category	Commercial
Property Type	Commercial > Retail > Auto Repair, Garage
Local Zoning Code	CG
Legal Description	OAK VALLEY RD
Legal Subdivision	RAY L & FRED L BELL SURV
Jurisdiction	STEPHENS GA
Township / Civil Division	TOCCOA
Census Block Group	4
Census Block	4025
Census Tract	970102

Owner

469 Oak Valley Rd, a commercial property, is owned and occupied by an individual who bought it in January 1999.

Source: Stephens County records, as of March 11, 2026

Owner of Record	Individual Name on File
Mailing Address	469 OAK VALLEY RD, TOCCOA, GA 30577-7829
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2021	Warranty Deed, Transfer
Apr 16, 2018	Loan Modification, Mortgage · Conventional Mortgage UNITED CMNTY BK
Oct 6, 2017	Loan Modification, Mortgage · Conventional Mortgage UNITED CMNTY BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 15, 1999 · Amount on File
Deed Sale	Jan 15, 1999 · Amount on File
Deed Document Number	0000426101
Record Updated	Jun 8, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Dec 6, 2021
Property Address	469 OAK VALLEY RD, TOCCOA, GA 30577-7829
Document Number	0012780091
Book / Page	1278 / 91
Instrument Date	Dec 6, 2021
Instrument	2021-001708
Transaction Type	Transfer
Record Updated	Dec 27, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Partial Interest

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	717 S TORRENCE ST STE 101, 101, CHARLOTTE, NC 28204-3071

April 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	STEPHENS GA
Property Address	469 OAK VALLEY RD, TOCCOA, GA 30577-7829
Document Number	0011490174
Instrument Date	Apr 16, 2018
Transaction Type	Mortgage
Record Updated	May 31, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	496 OAK VALLEY RD TOCCOA GA 30577, TOCCOA, GA 30577

Mortgage

Document Number	0011490174
Date	May 4, 2018
Book Page	001149/000174

Lender

Name	UNITED CMNTY BK
Type	Bank
Address	CORNELIA, GA 30531

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	36 Months
Due	May 3, 2021

October 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	STEPHENS GA
Property Address	469 OAK VALLEY RD, TOCCOA, GA 30577-7829
Document Number	0011340255
Book / Page	001134 / 000255
Instrument Date	Oct 6, 2017
Transaction Type	Mortgage
Record Updated	Dec 4, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	469 OAK VALLEY RD TOCCOA GA 305777829, TOCCOA, GA 30577-7829

Mortgage

Document Number	0011340255
Date	Oct 23, 2017
Book Page	001134/000255

Lender

Name	UNITED CMNTY BK
Type	Bank
Address	CORNELIA, GA 30531

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Oct 22, 2022

Tax Assessment & Valuation

The 2025 property tax bill for 469 Oak Valley Rd was $7,382.

Source: Stephens County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Georgia
County	Stephens County
Unified School District	Stephens County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,382.00	$268,951 Land $26,300 Building $242,651	$672,377 Land $65,750 Building $606,627
2023	$8,006.00	$268,951 Land $26,300 Building $242,651	$672,377 Land $65,750 Building $606,627

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 469 Oak Valley Rd in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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.

Wildfire

Wildfire risk around 469 Oak Valley Rd is moderate, ranking above 43% of the US, with a 0.09% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 43% of the US · lower than 61% of Georgia
Wildfire Likelihood	0.09% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 48 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Point Broadband Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: TruVista Communications.

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