Stephens County property record for 912 Shady Ln, Toccoa, GA 30577
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,348 sqft · built 1991 |
| Lot Size | 3.78 acres (164,657 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $235,000 (Aug 2017) |
| Tax Bill | $2,163 (2025) |
| Deeds & Mortgages | Aug 2017 Mortgage Jan 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 043 203 |
| Primary APN | 043 203 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,348 sqft Heated Area |
| Basement Area | 1,232 sqft |
| Finished Basement | 500 sqft |
| Unfinished Basement | 732 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 164,657 sqft (3.78 acres) |
| Terrain | Gentle Slope |
| Garage Area | 1,156 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 720 sqft |
| Deck Area | 240 sqft |
| Patio Area | 240 sqft |
| Utility Building | 220 sqft |
| Pole Barn | 480 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 317700 |
|---|---|
| Street Address | 912 SHADY LN |
| City | TOCCOA |
| State | GA |
| Zip | 30577-8395 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS |
| Legal Description | SHADY LANE TRACT 2 |
| Legal Subdivision | 0400 - PRIMARY - AC |
| Legal Tract | 2 |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | ROCK CREEK |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 970202 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 912 SHADY LN, TOCCOA, GA 30577-8395 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 23, 2017 | Deed of Trust, Mortgage · Conventional Mortgage FIDELITY BANK |
| Jan 26, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE |
| Sep 13, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 22, 2017 · Amount on Record |
| Deed Sale | Aug 22, 2017 · Amount on Record |
| Prior Sale | Dec 1, 1984 · Amount on Record |
| Deed Document Number | 2017900 |
| Deed Book / Page | 1129 / 441 |
| Last Transfer Date | Sep 8, 2017 |
| Transfer Doc | 0011310164 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 912 SHADY LN, TOCCOA, GA 30577-8395 |
| Transaction Type | Mortgage |
| Record Updated | Aug 4, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0011290443 |
|---|---|
| Date | Aug 23, 2017 |
| Book Page | 1129/443 |
| Name | FIDELITY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
| Type Change Date | Sep 1, 2027 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 912 SHADY LN, TOCCOA, GA 30577-8395 |
| Transaction Type | Mortgage |
| Record Updated | Aug 4, 2022 |
| Name | Verified Name |
|---|---|
| Address | 912 SHADY LN, TOCCOA, GA 30577-8395 |
| Document Number | 0012830000000311 |
|---|---|
| Date | Jan 26, 2022 |
| Book Page | 0000001283/0000000311 |
| Instrument | 000144 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 1, 2042 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Sep 13, 2017 |
| Property Address | 912 SHADY LN, TOCCOA, GA 30577-8395 |
| Document Number | 0011310164 |
| Book / Page | 001131 / 000164 |
| Instrument Date | Sep 8, 2017 |
| Transaction Type | Transfer |
| Record Updated | Nov 28, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
Source: Stephens County assessment roll, as of March 12, 2026
| 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 | $2,163.00 (+37.33%) Homeowner's exemption Senior Citizen's exemption | $134,944 (+53.71%) Land $6,350 Building $128,594 | $337,360 (+53.71%) Land $15,876 Building $321,484 |
| 2023 | $1,575.00 (-36.72%) Homeowner's exemption | $87,793 (+4.96%) Land $6,350 Building $81,443 | $219,484 (+4.96%) Land $15,876 Building $203,608 |
| 2022 | $2,489.00 Homeowner's exemption | $83,641 Land $6,350 Building $77,291 | $209,103 Land $15,876 Building $193,227 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| 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 51% 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 |
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