Stephens County property record for 499 Valley Rd, Toccoa, GA 30577
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,262 sqft · built 1957 |
| Lot Size | 0.98 acres (42,689 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $215,000 (Jun 2020) |
| Tax Bill | $1,753 (2025) |
| Deeds & Mortgages | Jun 2025 Line of Credit Jul 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T35 140 |
| Primary APN | T35 140 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,262 sqft Heated Area |
| Basement Area | 770 sqft |
| Finished Basement | 770 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 42,689 sqft (0.98 acres) |
| Terrain | Gentle Slope |
| Garage Type | Carport |
| Garage Area | 427 sqft |
| Carport | Carport |
| Carport Area | 427 sqft |
| Porch | Slab |
| Porch Area | 246 sqft |
| Utility Building | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Account Number | 767750 |
|---|---|
| Street Address | 499 VALLEY RD |
| City | TOCCOA |
| State | GA |
| Zip | 30577-6344 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-IA |
| Legal Description | LOTS 20 & 21 CLEARVIEW S/D |
| Legal Subdivision | CLEARVIEW |
| Legal Lot Number | 20,21 |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | TOCCOA |
| Census Block Group | 4 |
| Census Block | 4037 |
| Census Tract | 970102 |
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 | 499 VALLEY RD, TOCCOA, GA 30577-6344 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 13, 2025 | Deed of Trust, Mortgage · Line of Credit LIBERTY FEDERAL CREDIT UNION |
| Jul 2, 2020 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE |
| Mar 10, 2020 | Deed of Trust, Mortgage · Line of Credit SOUTH ST BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 26, 2020 · Amount on Record |
| Deed Sale | Jun 26, 2020 · Amount on Record |
| Prior Sale | Mar 18, 2016 · Amount on Record |
| Deed Document Number | 2020692 |
| Deed Book / Page | 1214 / 485 |
| Prior Transfer Date | Feb 28, 2013 |
| Prior Transfer Doc | 0001007082 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 499 VALLEY RD, TOCCOA, GA 30577-6344 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2026 |
| Name | Verified Name |
|---|---|
| Address | 499 VALLEY RD, TOCCOA, GA 30577-6344 |
| Document Number | 0014100000000448 |
|---|---|
| Date | Jun 13, 2025 |
| Book Page | 0000001410/0000000448 |
| Instrument | D2025001809 |
| Name | LIBERTY FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Jul 2, 2020 |
| Property Address | 499 VALLEY RD, TOCCOA, GA 30577-6344 |
| Document Number | 0012140485 |
| Book / Page | 001214 / 000485 |
| Instrument Date | Jun 26, 2020 |
| Transaction Type | Transfer |
| Record Updated | Jul 28, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $215.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 499 VALLEY RD TOCCOA GA 305776344, TOCCOA, GA 30577-6344 |
| Document Number | 12140487 |
|---|---|
| Date | Jul 2, 2020 |
| Book Page | 001214/000487 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 499 VALLEY RD, TOCCOA, GA 30577-6344 |
| Document Number | 0012050241 |
| Instrument Date | Mar 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Apr 27, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 499 VALLEY RD TOCCOA GA 305776344, TOCCOA, GA 30577-6344 |
| Document Number | 0012050241 |
|---|---|
| Date | Mar 19, 2020 |
| Book Page | 001205/000241 |
| Name | SOUTH ST BK |
|---|---|
| Type | Bank |
| Address | CHARLESTON, SC 29423-9910 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Mar 18, 2021 |
| Rate Type | Adjustable Rate |
|---|
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 | $1,753.00 (-32.05%) Homeowner's exemption | $95,195 (+27.52%) Land $5,377 Building $89,818 | $237,987 (+27.52%) Land $13,442 Building $224,545 |
| 2023 | $2,580.00 (+3.99%) Homeowner's exemption | $74,649 (+6.38%) Land $5,377 Building $69,272 | $186,623 (+6.38%) Land $13,442 Building $173,181 |
| 2022 | $2,481.00 Homeowner's exemption | $70,170 Land $5,377 Building $64,793 | $175,424 Land $13,442 Building $161,982 |
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 |
|---|---|
| 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.
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 | 0.07% 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 200 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 |
| Point Broadband Fiber | 1,000 / 1,000 |
| TruVista Communications Cable | 500 / 50 |
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