Stephens County property record for 965 Fernside Dr, Toccoa, GA 30577
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,598 sqft · built 1980 |
| Lot Size | 1.4 acres (60,984 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,303 (2025) |
| Deeds & Mortgages | Sep 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 042E 044 |
| Primary APN | 042E 044 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,598 sqft Heated Area |
| Basement Area | 1,637 sqft |
| Finished Basement | 961 sqft |
| Unfinished Basement | 676 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 60,984 sqft (1.4 acres) |
| Terrain | Gentle Slope |
| Garage Area | 546 sqft |
| Porch | Porch |
| Porch Area | 210 sqft |
| Patio Area | 217 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Account Number | 395400 |
|---|---|
| Old Parcel Number | 042E 044 |
| Street Address | 965 FERNSIDE DR |
| City | TOCCOA |
| State | GA |
| Zip | 30577-7821 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-IA |
| Legal Description | LOTS 1 & 2 BLK A FOXDALE S/D |
| Legal Subdivision | FOXDALE |
| Legal Block | A |
| Legal Lot Number | 1,2 2 |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | TOCCOA |
| Census Block Group | 4 |
| Census Block | 4033 |
| Census Tract | 970102 |
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 |
|---|---|
| Mailing Address | 965 FERNSIDE DR, TOCCOA, GA 30577-7821 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 10, 2003 |
| Deed Sale | Oct 10, 2003 |
| Deed Document Number | 0000629455 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS GA |
| Property Address | 965 FERNSIDE DR, TOCCOA, GA 30577-7821 |
| Document Number | 0012240307 |
| Instrument Date | Sep 22, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 965 FERNSIDE DR TOCCOA GA 305777821, TOCCOA, GA 30577-7821 |
| Document Number | 0012240307 |
|---|---|
| Date | Oct 2, 2020 |
| Book Page | 001224/000307 |
| Name | PEACH ST FCU |
|---|---|
| Type | Credit Union |
| Address | LAWRENCEVILLE, GA 30043 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 144 Months |
| Due | Oct 1, 2032 |
| Rate Type | Adjustable Rate |
|---|
Source: Stephens County assessment roll, as of July 1, 2025
| 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 | $2,303.00 (+53.64%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $113,590 (+56.37%) Land $7,778 Building $105,812 | $283,974 (+56.37%) Land $19,445 Building $264,529 |
| 2023 | $1,499.00 (-38.62%) Homeowner's exemption | $72,643 (+5.19%) Land $7,778 Building $64,865 | $181,607 (+5.19%) Land $19,445 Building $162,162 |
| 2022 | $2,442.00 Homeowner's exemption | $69,058 Land $7,778 Building $61,280 | $172,646 Land $19,445 Building $153,201 |
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 · 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 | 3 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 45% of the US · above 45% 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 81 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| TruVista Communications Cable · Fiber in parts of the area | 500 / 50 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Point Broadband, Windstream.
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