97 Valley Rd, Toccoa, GA 30577 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,713 sqft · built 1968
Lot Size	0.33 acres (14,375 sqft)
Owner	Individual Name on File
Last Sale	$80,100 (Mar 2017)
Tax Bill	$2,537 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`042E 007`

Property Details

APN / Parcel Number

Primary APN	`042E 007`
Alternative APN	`768100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,713 sqft Heated Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1983
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,375 sqft (0.33 acres)
Terrain	Gentle Slope
Garage Area	216 sqft

Exterior Amenities

Porch	Porch
Porch Area	120 sqft
Deck Area	267 sqft
Patio Area	267 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Account Number	768100
Street Address	97 VALLEY RD
City	TOCCOA
State	GA
Zip	30577-6341
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-IA
Legal Description	LOT 31 CLEARVIEW S/D
Legal Subdivision	CLEARVIEW S/D
Legal Lot Number	31
Jurisdiction	STEPHENS GA
Township / Civil Division	TOCCOA
Census Block Group	4
Census Block	4037
Census Tract	970102

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	97 VALLEY RD, TOCCOA, GA 30577-6341
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Mar 28, 2017	Grant Deed, Transfer HOMESTAR FIN'L

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 20, 2017 · Amount on Record
Deed Sale	Mar 20, 2017 · Amount on Record
Prior Sale	Nov 1, 2016
Deed Document Number	2017-000258
Deed Book / Page	1117 / 105
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	97 VALLEY RD, TOCCOA, GA 30577-6341
Document Number	0012080479
Instrument Date	Apr 30, 2020
Transaction Type	Mortgage
Record Updated	Jun 8, 2020
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 VALLEY RD TOCCOA GA 305776341, TOCCOA, GA 30577-6341

Mortgage

Document Number	0012080479
Date	May 8, 2020
Book Page	001208/000479

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 7, 2035

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STEPHENS GA
Recording Date	Mar 28, 2017
Property Address	97 VALLEY RD, TOCCOA, GA 30577-6341
Document Number	0011170105
Book / Page	001117 / 000105
Instrument Date	Mar 16, 2017
Transaction Type	Transfer
Record Updated	Jun 11, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$80.10
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 VALLEY RD TOCCOA GA 305776341, TOCCOA, GA 30577-6341

Mortgage

Document Number	11170107
Date	Mar 28, 2017
Book Page	001117/000107

Lender

Name	HOMESTAR FIN'L
Type	Funding / Finance Company
Address	GAINESVILLE, GA 30501

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 27, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,537.00 (+59.26%)	$72,730 (+61.41%) Land $5,588 Building $67,142	$181,823 (+61.41%) Land $13,969 Building $167,854
2023	$1,593.00 (+5.71%)	$45,059 (+5.69%) Land $5,588 Building $39,471	$112,647 (+5.69%) Land $13,969 Building $98,678
2022	$1,507.00	$42,634 Land $5,588 Building $37,046	$106,585 Land $13,969 Building $92,616

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 47% of the US · above 53% of Georgia
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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 Fiber Holding, Uniti Group.

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