Stephens County property record for 628 Lovers Ln, Toccoa, GA 30577 · Last verified March 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,359 sqft · built 1998 |
| Lot Size | 0.41 acres (17,860 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $130,000 (Apr 2016) |
| Tax Bill | $2,527 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | T32 017 |
| Primary APN | T32 017 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,359 sqft Heated Area |
| Basement Area | 1,359 sqft |
| Unfinished Basement | 1,359 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 17,860 sqft (0.41 acres) |
| Terrain | Gentle Slope |
| Garage Area | 504 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 16 sqft |
| Deck Area | 440 sqft |
| Patio Area | 440 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Electric |
| Account Number | 470018 |
|---|---|
| Street Address | 628 LOVERS LN |
| City | TOCCOA |
| State | GA |
| Zip | 30577-8323 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 1A LOVERS LN |
| Legal Subdivision | KATHY G BAILEY |
| Legal Lot Number | 1A |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | TOCCOA |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 970102 |
Source: Stephens County records · APN T32 017
Assessment roll updated July 1, 2025 · Last verified March 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 File |
|---|---|
| Mailing Address | 628 LOVERS LN, TOCCOA, GA 30577-8323 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 22, 2016 · Amount on Record |
| Deed Sale | Apr 22, 2016 · Amount on Record |
| Prior Sale | Aug 27, 2008 · Amount on Record |
| Deed Document Number | 0001089240 |
| Deed Book / Page | 1089 / 240 |
| Last Transfer Date | Apr 27, 2016 |
| Transfer Doc | 0010890240 |
| Record Updated | Jun 08, 2026 |
Source: Stephens County records · Assessment roll updated July 1, 2025 · Last verified March 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 | $2,527.00 (+30.73%) Homeowner's exemption | $86,428 (+53.37%) Land $3,698 Building $82,730 | $216,069 (+53.37%) Land $9,245 Building $206,824 |
| 2023 | $1,933.00 (+1.79%) Homeowner's exemption | $56,353 (+4.91%) Land $3,698 Building $52,655 | $140,883 (+4.91%) Land $9,245 Building $131,638 |
| 2022 | $1,899.00 Homeowner's exemption | $53,715 Land $3,698 Building $50,017 | $134,288 Land $9,245 Building $125,043 |
Source: FEMA National Flood Hazard Layer, Stephens County (13257C), updated September 26, 2008 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 132579701022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Nearby Flood Policies | 2 in force |
| Wildfire Risk | Moderate above 49% of the US · above 59% of Georgia |
|---|---|
| Wildfire Likelihood | About 1 in 909 per year |
| 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, availability as of December 31, 2025 · Published October 2026 · based on 36 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Point Broadband Fiber Holding | Fiber | 1,000 / 1,000 |
| TruVista Communications | Cable | 500 / 50 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
5G and 4G LTE
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