694 Lovers Ln, Toccoa, GA 30577 Property Records

Stephens County property record for 694 Lovers Ln, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,041 sqft · built 1989
Lot Size	0.63 acres (27,443 sqft)
Owner	Individual Name on Record
Last Sale	$239,000 (Sep 2022)
Tax Bill	$4,061 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T32 019`

Property Details

APN / Parcel Number

Primary APN	`T32 019`
Alternative APN	`470000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,041 sqft Heated Area
Attic Area	910 sqft
Basement Area	910 sqft
Finished Basement	520 sqft
Unfinished Basement	390 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2010
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	27,443 sqft (0.63 acres)
Terrain	Gentle Slope
Garage Area	390 sqft

Exterior Amenities

Porch	Porch
Porch Area	245 sqft
Deck Area	200 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Account Number	470000
Street Address	694 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 3 LOVERS LN
Legal Subdivision	ELLIOTT CLAUDELL SURV
Legal Lot Number	3
Jurisdiction	STEPHENS GA
Township / Civil Division	TOCCOA
Census Block Group	2
Census Block	2016
Census Tract	970102

Owner

Source: Stephens County records, as of March 11, 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
Co-owner	Co-owner on Record
Mailing Address	694 LOVERS LN, TOCCOA, GA 30577-8323
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2022 · Amount on Record
Deed Sale	Sep 1, 2022 · Amount on Record
Prior Sale	May 18, 2016 · Amount on Record
Deed Document Number	0001308468
Deed Book / Page	1308 / 468
Record Updated	Jun 8, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Sep 1, 2022
Property Address	694 LOVERS LN, TOCCOA, GA 30577-8323
Document Number	0013080468
Book / Page	1308 / 468
Instrument Date	Sep 1, 2022
Instrument	2022-001281
Transaction Type	Transfer
Record Updated	Nov 30, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	694 LOVERS LN, TOCCOA, GA 30577-8323

Mortgage

Document Number	0013080000000470
Date	Sep 2, 2022
Book Page	0000001308/0000000470

Lender

Name	ZILLOW HOME LOANS

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

Source: Stephens County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Georgia
County	Stephens County
Municipality	Toccoa City
Unified School District	Stephens County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,061.00 (+58.69%)	$116,396 (+60.85%) Land $4,650 Building $111,746	$290,990 (+60.85%) Land $11,626 Building $279,364
2023	$2,559.00 (+43.04%)	$72,362 (+43.01%) Land $4,650 Building $67,712	$180,905 (+43.01%) Land $11,626 Building $169,279
2022	$1,789.00	$50,600 Land $4,650 Building $45,950	$126,500 Land $11,626 Building $114,874

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 · 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.

Wildfire

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.

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 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