Stephens County property record for 903 Shady Ln, Toccoa, GA 30577
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,732 sqft · built 1983 |
| Lot Size | 3.71 acres (161,608 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $70,000 (Aug 1985) |
| Tax Bill | $2,613 (2025) |
| Deeds & Mortgages | Aug 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 043 258 |
| Primary APN | 043 258 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 2,732 sqft Heated Area |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 161,608 sqft (3.71 acres) |
| Terrain | Gentle Slope |
| Garage Area | 816 sqft |
| Pool Area | 800 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 920 sqft |
| Deck Area | 288 sqft |
| Patio Area | 448 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Electric |
| Account Number | 317250 |
|---|---|
| Street Address | 903 SHADY LN |
| City | TOCCOA |
| State | GA |
| Zip | 30577-8304 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS |
| Legal Description | SHADY LANE |
| Legal Subdivision | ELLIOTT CEUDELL |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | ROCK CREEK |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 970202 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 903 SHADY LN, TOCCOA, GA 30577-8304 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 1, 1985 · Amount on Record |
| Deed Sale | Aug 1, 1985 · Amount on Record |
| Deed Document Number | 0000018616 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 903 SHADY LN, TOCCOA, GA 30577-8304 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0011280198 |
|---|---|
| Date | Aug 4, 2017 |
| Book Page | 1128/198 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 300 Months |
| Due | Aug 1, 2042 |
Source: Stephens County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Georgia |
| County | Stephens County |
| Unified School District | Stephens County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,613.00 (+23.25%) Homeowner's exemption | $116,575 (+59.22%) Land $6,233 Building $110,342 | $291,436 (+59.22%) Land $15,582 Building $275,854 |
| 2023 | $2,120.00 (+2.66%) Homeowner's exemption | $73,216 (+5.52%) Land $6,233 Building $66,983 | $183,040 (+5.52%) Land $15,582 Building $167,458 |
| 2022 | $2,065.00 Homeowner's exemption | $69,383 Land $6,233 Building $63,150 | $173,458 Land $15,582 Building $157,876 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · above 49% of Georgia |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 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 |
5G (outdoors only) and 4G LTE
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