Stephens County property record for 739 Lovers Ln, Toccoa, GA 30577
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 3,158 sqft · built 1987 |
| Lot Size | 5.83 acres (253,955 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $296,500 (Aug 2018) |
| Tax Bill | $5,713 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage Aug 2018 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T32 028 |
| Primary APN | T32 028 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 3,158 sqft Heated Area |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 253,955 sqft (5.83 acres) |
| Terrain | Gentle Slope |
| Garage Type | Mixed |
| Garage Area | 1,162 sqft |
| Parking Spaces | 6 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 916 sqft |
| Patio Area | 702 sqft |
| Utility Building | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 474250 |
|---|---|
| Street Address | 739 LOVERS LN |
| City | TOCCOA |
| State | GA |
| Zip | 30577-2097 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-IA |
| Legal Description | TRACTS 1B, 2A, 4A & LOT 3 LOVERS LN |
| Legal Subdivision | 0309 - PRIMARY - AC |
| Legal Tract | 1B,2 |
| Legal Lot Number | 3 |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | TOCCOA |
| Census Block Group | 1 |
| Census Block | 1049 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 739 LOVERS LN, TOCCOA, GA 30577-2097 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 17, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HOMESTAR FIN'L |
| Aug 22, 2018 | Grant Deed, Transfer · Conventional Mortgage HOMESTAR FIN'L |
| Mar 8, 2017 | Grant Deed, Transfer ATTORNEY ONLY |
| Mar 8, 2017 | Quit Claim Deed, Transfer · VA Mortgage USAA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 17, 2018 · Amount on Record |
| Deed Sale | Aug 17, 2018 · Amount on Record |
| Prior Sale | Mar 7, 2017 · Amount on Record |
| Deed Document Number | 2018944 |
| Deed Book / Page | 1158 / 208 |
| Transfer Doc | 0009570338 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 739 LOVERS LN, TOCCOA, GA 30577-2097 |
| Document Number | 0012200224 |
| Instrument Date | Aug 17, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 4, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 739 LOVERS LN TOCCOA GA 305772097, TOCCOA, GA 30577-2097 |
| Document Number | 0012200224 |
|---|---|
| Date | Aug 21, 2020 |
| Book Page | 001220/000224 |
| Name | HOMESTAR FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | GAINESVILLE, GA 30501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 20, 2040 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Aug 22, 2018 |
| Property Address | 739 LOVERS LN, TOCCOA, GA 30577-2097 |
| Document Number | 0011580208 |
| Book / Page | 001158 / 000208 |
| Instrument Date | Aug 17, 2018 |
| Transaction Type | Transfer |
| Record Updated | Sep 14, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $296.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 739 LOVERS LN TOCCOA GA 305772097, TOCCOA, GA 30577-2097 |
| Document Number | 11580211 |
|---|---|
| Date | Aug 22, 2018 |
| Book Page | 001158/000211 |
| Name | HOMESTAR FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | GAINESVILLE, GA 30501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 21, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Mar 8, 2017 |
| Property Address | 739 LOVERS LN, TOCCOA, GA 30577-2097 |
| Document Number | 0011150374 |
| Book / Page | 001115 / 000374 |
| Instrument Date | Mar 7, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jun 11, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $273.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Mar 8, 2017 |
| Property Address | 739 LOVERS LN, TOCCOA, GA 30577-2097 |
| Document Number | 0011150371 |
| Book / Page | 001115 / 000371 |
| Instrument Date | Feb 7, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jan 9, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 739 LOVERS LN TOCCOA GA 305772097, TOCCOA, GA 30577-2097 |
| Document Number | 11150378 |
|---|---|
| Date | Mar 8, 2017 |
| Book Page | 001115/000378 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 7, 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 | $5,713.00 (+29.52%) Homeowner's exemption | $192,228 (+52.07%) Land $24,286 Building $167,942 | $480,570 (+52.07%) Land $60,715 Building $419,855 |
| 2023 | $4,411.00 (+3.74%) Homeowner's exemption | $126,409 (+5.15%) Land $24,286 Building $102,123 | $316,023 (+5.15%) Land $60,715 Building $255,308 |
| 2022 | $4,252.00 Homeowner's exemption | $120,219 Land $24,286 Building $95,933 | $300,547 Land $60,715 Building $239,832 |
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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 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: 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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