981 Shady Ln, Toccoa, GA 30577 Property Records

Stephens County property record for 981 Shady Ln, Toccoa, GA 30577

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,863 sqft · built 1998
Lot Size	0.96 acres (41,818 sqft)
Owner	Individual Name on Record
Last Sale	$126,000 (Jun 2022)
Tax Bill	$2,796 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`043 261`

Property Details

APN / Parcel Number

Primary APN	`043 261`
Alternative APN	`317977`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,863 sqft Heated Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1999
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	41,818 sqft (0.96 acres)
Garage Area	924 sqft
Parking Spaces	2 Parking Spaces
Deck Area	594 sqft
Patio Area	762 sqft
Lean-To	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	317977
Street Address	981 SHADY LN
City	TOCCOA
State	GA
Zip	30577-8304
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	PT LOT 10 SHADY LN
Legal Lot Number	10
Jurisdiction	STEPHENS GA
Township / Civil Division	ROCK CREEK
Census Block Group	1
Census Block	1019
Census Tract	970202

Owner

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
Co-owner	Co-owner on Record
Mailing Address	981 SHADY LN, TOCCOA, GA 30577-8304
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2022	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE
Jun 29, 2022	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2022 · Amount on Record
Deed Sale	Jun 29, 2022 · Amount on Record
Prior Sale	Jan 31, 2011 · Amount on Record
Deed Document Number	0001304284
Deed Book / Page	1304 / 284
Record Updated	Jun 8, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Jun 29, 2022
Property Address	981 SHADY LN, TOCCOA, GA 30577-8304
Document Number	0013040284
Book / Page	1304 / 284
Instrument Date	Jun 29, 2022
Instrument	2022-001077
Transaction Type	Transfer
Record Updated	Nov 30, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	981 SHADY LN, TOCCOA, GA 30577-8304

Mortgage

Document Number	0013040000000286
Date	Jul 19, 2022
Book Page	0000001304/0000000286
Instrument	001194

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS GA
Recording Date	Jun 29, 2022
Property Address	981 SHADY LN, TOCCOA, GA 30577-8304
Document Number	0013040284
Book / Page	1304 / 284
Instrument Date	Jun 29, 2022
Instrument	2022-001077
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	981 SHADY LN, TOCCOA, GA 30577-8304

Mortgage

Document Number	0000001194
Date	Jun 29, 2022
Instrument	001194

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	355 Months
Due	Jan 1, 2052

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	$2,796.00 (+86.4%)	$101,881 (+59.78%) Land $2,958 Building $98,923	$254,702 (+59.78%) Land $7,394 Building $247,308
2023	$1,500.00 (-16.25%)	$63,765 (+5.93%) Land $2,958 Building $60,807	$159,412 (+5.93%) Land $7,394 Building $152,018
2022	$1,791.00	$60,194 Land $2,958 Building $57,236	$150,485 Land $7,394 Building $143,091

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
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 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.

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 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Shady Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures