97 Old Oak Valley Rd, Toccoa, GA 30577 Property Records

Stephens County property record for 97 Old Oak Valley Rd, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,964 sqft · built 1974
Lot Size	4.53 acres (197,327 sqft)
Owner	2 Individual Names on File
Last Sale	$145,500 (Oct 2017)
Tax Bill	$2,304 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`057 065`

Property Details

APN / Parcel Number

Primary APN	`057 065`
Alternative APN	`288400`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,964 sqft Heated Area
Basement Area	1,964 sqft
Unfinished Basement	1,964 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	197,327 sqft (4.53 acres)
Terrain	Gentle Slope
Garage Area	650 sqft

Exterior Amenities

Porch	Porch
Porch Area	88 sqft
Deck Area	572 sqft
Patio Area	232 sqft
Utility Building	358 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Account Number	288400
Street Address	97 OLD OAK VALLEY RD
City	TOCCOA
State	GA
Zip	30577-8667
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	OAK VALLEY RD SM AC
Jurisdiction	STEPHENS GA
Township / Civil Division	ROCK CREEK
Census Block Group	3
Census Block	3004
Census Tract	970202

Owner

Source: Stephens County records, as of March 11, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	97 OLD OAK VALLEY RD, TOCCOA, GA 30577-8667
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage SOUTH STATE BANK
Oct 25, 2017	Grant Deed, Transfer SOUTH ST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 23, 2017 · Amount on File
Deed Sale	Oct 23, 2017 · Amount on File
Deed Document Number	0011343901
Deed Book / Page	1134390 / 1
Last Transfer Date	Oct 25, 2017
Transfer Doc	0011340390
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	97 OLD OAK VALLEY RD, TOCCOA, GA 30577-8667
Transaction Type	Mortgage
Record Updated	Mar 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 OLD OAK VALLEY RD, TOCCOA, GA 30577-8667

Mortgage

Document Number	0012710000000100
Date	Oct 14, 2021
Book Page	0000001271/0000000100
Instrument	000580

Lender

Name	SOUTH STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 1, 2036

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STEPHENS GA
Recording Date	Oct 25, 2017
Property Address	97 OLD OAK VALLEY RD, TOCCOA, GA 30577-8667
Document Number	0011340390
Book / Page	001134 / 000390
Instrument Date	Oct 23, 2017
Transaction Type	Transfer
Record Updated	Feb 20, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$145.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	97 OLD OAK VALLEY RD TOCCOA GA 305778667, TOCCOA, GA 30577-8667

Mortgage

Document Number	11340392
Date	Oct 25, 2017
Book Page	001134/000392

Lender

Name	SOUTH ST BK
Type	Bank
Address	NCHARLESTON, SC 29406

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 24, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,304.00 (+16.72%) Homeowner's exemption	$100,145 (+46.58%) Land $7,610 Building $92,535	$250,364 (+46.58%) Land $19,026 Building $231,338
2023	$1,974.00 (+11.53%) Homeowner's exemption	$68,322 (+14.91%) Land $7,610 Building $60,712	$170,805 (+14.91%) Land $19,026 Building $151,779
2022	$1,770.00 Homeowner's exemption	$59,456 Land $7,610 Building $51,846	$148,642 Land $19,026 Building $129,616

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

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.

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TruVista Communications Fiber	5,000 / 5,000
Windstream Fiber · DSL	1,000 / 1,000
HTC Cable	1,000 / 50

Cell Coverage

4G LTE (outdoors only), no 5G reported

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