Stephens County property record for 648 Lovers Ln, Toccoa, GA 30577
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,948 sqft · built 1994 |
| Lot Size | 0.62 acres (27,007 sqft) |
| Owner | Company Name on Record |
| Last Sale | $127,000 (Apr 2017) |
| Tax Bill | $1,686 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Apr 2018 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T32 018 |
| Primary APN | T32 018 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,948 sqft Heated Area |
| Basement Area | 1,456 sqft |
| Finished Basement | 576 sqft |
| Unfinished Basement | 880 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 27,007 sqft (0.62 acres) |
| Terrain | Gentle Slope |
| Garage Area | 252 sqft |
| Deck Area | 220 sqft |
| Patio Area | 220 sqft |
| Utility Building | 84 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Electric |
| Account Number | 470015 |
|---|---|
| Street Address | 648 LOVERS LN |
| City | TOCCOA |
| State | GA |
| Zip | 30577-8323 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-IA |
| Legal Description | LOT 2 LOVERS LN |
| Legal Subdivision | 0210 - PRIMARY - SF |
| Legal Lot Number | 2 |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | TOCCOA |
| Census Block Group | 2 |
| Census Block | 2016 |
| 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 | Company Name on Record |
|---|---|
| Mailing Address | 648 LOVERS LN, TOCCOA, GA 30577-8323 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Jun 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS |
| Apr 10, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Apr 11, 2017 | Warranty Deed, Transfer · Conventional Mortgage SOUTH STATE BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 11, 2017 · Amount on Record |
| Deed Sale | Apr 11, 2017 · Amount on Record |
| Prior Sale | Dec 2, 1994 · Amount on Record |
| Deed Document Number | 2017367 |
| Deed Book / Page | 1118 / 497 |
| Last Transfer Date | Feb 8, 2018 |
| Transfer Doc | 0011470031 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 648 LOVERS LN, TOCCOA, GA 30577-8323 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2026 |
| Name | Verified Name |
|---|---|
| Address | 648 LOVERS LN, TOCCOA, GA 30577-8323 |
| Document Number | 0012560000000508 |
|---|---|
| Date | Jun 25, 2021 |
| Book Page | 0000001256/0000000508 |
| Name | QUICKEN LOANS |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 1, 2040 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Apr 10, 2018 |
| Property Address | 648 LOVERS LN, TOCCOA, GA 30577-8323 |
| Document Number | 0011470031 |
| Book / Page | 001147 / 000031 |
| Instrument Date | Apr 10, 2018 |
| Transaction Type | Transfer |
| Record Updated | Apr 17, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 648 LOVERS LN TOCCOA GA 305778323, TOCCOA, GA 30577-8323 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Apr 11, 2017 |
| Property Address | 648 LOVERS LN, TOCCOA, GA 30577-8323 |
| Document Number | 0011180497 |
| Book / Page | 1118 / 497 |
| Instrument Date | Apr 11, 2017 |
| Instrument | 2017-000367 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 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 | 648 LOVERS LN, TOCCOA, GA 30577-8323 |
| Document Number | 0011180499 |
|---|---|
| Date | Apr 11, 2017 |
| Book Page | 1118/499 |
| Name | SOUTH STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2047 |
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 | $1,686.00 (+65.13%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $92,911 (+57.14%) Land $4,607 Building $88,304 | $232,276 (+57.14%) Land $11,517 Building $220,759 |
| 2023 | $1,021.00 (-48.46%) Homeowner's exemption | $59,125 (+5.54%) Land $4,607 Building $54,518 | $147,812 (+5.54%) Land $11,517 Building $136,295 |
| 2022 | $1,981.00 Homeowner's exemption | $56,021 Land $4,607 Building $51,414 | $140,051 Land $11,517 Building $128,534 |
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 100 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 |
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