Stephens County property record for 987 Lovers Ln, Toccoa, GA 30577
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,070 sqft · built 1989 |
| Lot Size | 1.6 acres (69,696 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $181,000 (Mar 2017) |
| Tax Bill | $4,675 (2025) |
| Deeds & Mortgages | Mar 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T33 020 |
| Primary APN | T33 020 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,070 sqft Heated Area |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 2001 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 69,696 sqft (1.6 acres) |
| Terrain | Gentle Slope |
| Garage Area | 1,456 sqft |
| Parking Spaces | 3 Parking Spaces |
| Deck Area | 630 sqft |
| Patio Area | 110 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Account Number | 474500 |
|---|---|
| Street Address | 987 LOVERS LN |
| City | TOCCOA |
| State | GA |
| Zip | 30577-8682 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-IA |
| Legal Description | LOT 7 |
| Legal Subdivision | CROSS CREEK |
| Legal Tract | 7 |
| Legal Lot Number | 7 |
| Jurisdiction | STEPHENS GA |
| Township / Civil Division | TOCCOA |
| Census Block Group | 1 |
| Census Block | 1051 |
| Census Tract | 970102 |
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 27 DOYLE ST, TOCCOA, GA 30577-3676 |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 10, 2017 · Amount on Record |
| Deed Sale | Mar 10, 2017 · Amount on Record |
| Deed Document Number | 0000011161 |
| Deed Book / Page | 1116 / 1 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEPHENS GA |
| Recording Date | Mar 10, 2017 |
| Property Address | 987 LOVERS LN, TOCCOA, GA 30577-8682 |
| Document Number | 0011160001 |
| Book / Page | 001116 / 000001 |
| Instrument Date | Mar 10, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jan 9, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $181.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 987 LOVERS LN TOCCOA GA 305778682, TOCCOA, GA 30577-8682 |
| Document Number | 11160003 |
|---|---|
| Date | Mar 10, 2017 |
| Book Page | 001116/000003 |
| Name | OCONEE FED'L S&L ASSN |
|---|---|
| Type | Federal Savings Bank |
| Address | TOCCOA, GA 30577 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 9, 2047 |
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 | $4,675.00 (+55.32%) | $134,002 (+57.45%) Land $8,364 Building $125,638 | $335,004 (+57.45%) Land $20,909 Building $314,095 |
| 2023 | $3,010.00 (+5.5%) | $85,110 (+5.48%) Land $8,364 Building $76,746 | $212,773 (+5.48%) Land $20,909 Building $191,864 |
| 2022 | $2,853.00 | $80,687 Land $8,364 Building $72,323 | $201,716 Land $20,909 Building $180,807 |
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 · 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 | 1 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 | 0.09% 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 36 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Point Broadband Fiber | 1,000 / 1,000 |
| TruVista Communications Cable | 500 / 50 |
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