Stephens County property record for 486 Fernside Dr, Toccoa, GA 30577
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,730 sqft · built 1983 |
| Lot Size | 0.84 acres (36,590 sqft) |
| Owner | Individual Name on File |
| Last Sale | $108,500 (Feb 2014) |
| Tax Bill | $4,349 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 041H 010 |
| Primary APN | 041H 010 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,730 sqft Heated Area |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 36,590 sqft (0.84 acres) |
| Terrain | Gentle Slope |
| Garage Area | 440 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 464 sqft |
| Deck Area | 780 sqft |
| Patio Area | 780 sqft |
| Canopy | 378 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 386150 |
|---|---|
| Street Address | 486 FERNSIDE DR |
| City | TOCCOA |
| State | GA |
| Zip | 30577-8093 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-IA |
| Legal Description | LOTS 1-A & 1-B COLLIER MILL S/D |
| Legal Subdivision | COLLIER MILL |
| Legal Lot Number | 1A,1B |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | TOCCOA |
| Census Block Group | 4 |
| Census Block | 4024 |
| Census Tract | 970102 |
486 Fernside Dr is owned and occupied by an individual who bought it in February 2014.
Source: Stephens County records, as of March 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 486 FERNSIDE DR, TOCCOA, GA 30577-8093 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 7, 2014 · Amount on File |
| Deed Sale | Feb 7, 2014 · Amount on File |
| Prior Sale | Sep 3, 2013 · Amount on File |
| Deed Document Number | 2014117 |
| Deed Book / Page | 1034 / 149 |
| Prior Transfer Date | Sep 6, 2010 |
| Prior Transfer Doc | 0009340153 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 486 FERNSIDE DR, TOCCOA, GA 30577-8093 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2026 |
| Name | Verified Name |
|---|---|
| Address | 486 FERNSIDE DR, TOCCOA, GA 30577-8093 |
| Document Number | 0012640000000216 |
|---|---|
| Date | Aug 19, 2021 |
| Book Page | 0000001264/0000000216 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2051 |
The 2025 property tax bill for 486 Fernside Dr was $4,349.
Source: Stephens County assessment roll, as of March 12, 2026
| Type | Name |
|---|---|
| State | Georgia |
| County | Stephens County |
| Municipality | Toccoa City |
| Unified School District | Stephens County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,349.00 | $124,665 Land $3,858 Building $120,807 | $311,663 Land $9,645 Building $302,018 |
| 2023 | $2,765.00 (+5.37%) | $78,180 (+5.36%) Land $3,858 Building $74,322 | $195,451 (+5.36%) Land $9,645 Building $185,806 |
| 2022 | $2,624.00 | $74,201 Land $3,858 Building $70,343 | $185,503 Land $9,645 Building $175,858 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 486 Fernside Dr 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 risk around 486 Fernside Dr is moderate, ranking above 47% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 47% of the US · above 53% 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 41 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| TruVista Communications Cable · Fiber in parts of the area | 500 / 50 |
May also be available: Point Broadband, Windstream.
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