677 Shady Ln, Toccoa, GA 30577 Property Records

Stephens County property record for 677 Shady Ln, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,730 sqft · built 1982
Lot Size	21 acres (914,760 sqft)
Owner	Individual Name on Record
Last Sale	$180,000 (Dec 2025)
Tax Bill	$1,212 (2025)
Deeds & Mortgages	Dec 2025 Sale Dec 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`043 255`

Property Details

APN / Parcel Number

Primary APN	`043 255`
Alternative APN	`405200`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,730 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1993
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	914,760 sqft (21 acres)
Terrain	Gentle Slope
Garage Area	3,861 sqft
Parking Spaces	13 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	96 sqft
Deck Area	148 sqft
Patio Area	148 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	405200
Street Address	677 SHADY LN
City	TOCCOA
State	GA
Zip	30577-8305
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AI
Legal Description	SHADY LANE
Jurisdiction	STEPHENS GA
Township / Civil Division	ROCK CREEK
Census Block Group	1
Census Block	1019
Census Tract	970202

Owner

Source: Stephens County records, as of March 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	110 WHIPPORWILL LN, TOCCOA, GA 30577-9073
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2025	Warranty Deed, Transfer
Dec 22, 2025	Limited Warranty Deed, Transfer NORTHEAST GEORGIA BANK
Feb 9, 2023	Limited Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 22, 2025 · Amount on Record
Deed Sale	Dec 22, 2025 · Amount on Record
Deed Book / Page	1433 / 471
Prior Transfer Date	Jul 30, 2025
Prior Transfer Doc	0014170019
Record Updated	Sep 20, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Dec 22, 2025
Property Address	677 SHADY LN, TOCCOA, GA 30577-8305
Document Number	0014330468
Book / Page	1433 / 468
Instrument Date	Dec 18, 2025
Transaction Type	Transfer
Record Updated	Mar 16, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 WHIPPORWILL LN, TOCCOA, GA 30577-9073

December 2025: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Dec 22, 2025
Property Address	677 SHADY LN, TOCCOA, GA 30577-8305
Document Number	0014330471
Book / Page	1433 / 471
Instrument Date	Dec 18, 2025
Transaction Type	Transfer
Record Updated	Mar 16, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 WHIPPORWILL LN, TOCCOA, GA 30577-9073

Mortgage

Document Number	0001433474
Date	Dec 22, 2025
Instrument	1433/474

Lender

Name	NORTHEAST GEORGIA BANK

Agreement

Amount	Amount Recorded
Term	49 Months
Due	Jan 1, 2030

February 2023: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Feb 9, 2023
Property Address	677 SHADY LN, TOCCOA, GA 30577-8305
Document Number	0013210244
Book / Page	1321 / 244
Instrument Date	Feb 9, 2023
Instrument	2023-000132
Transaction Type	Transfer
Record Updated	Mar 13, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 401, MONTICELLO, GA 31064-0401

Tax Assessment & Valuation

Source: Stephens County assessment roll, as of March 12, 2026

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	$1,212.00 (+61.38%) Homeowner's exemption Senior Citizen's exemption	$115,146 (+41.82%) Land $29,904 Building $85,242	$287,864 (+41.82%) Land $74,760 Building $213,104
2023	$751.00 (-67.8%) Homeowner's exemption	$81,189 (+3.61%) Land $29,904 Building $51,285	$202,972 (+3.61%) Land $74,760 Building $128,212
2022	$2,332.00 Homeowner's exemption	$78,360 Land $29,904 Building $48,456	$195,901 Land $74,760 Building $121,141

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.

Flood

Source: FEMA National Flood Hazard Layer, effective September 26, 2008

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 51% of the US · above 69% 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.

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

Provider	Max Down / Up (Mbps)
TruVista Communications Cable	500 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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