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Single Family ResidenceResidential
$257,063$152 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 91How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026
Last sold for $134,000 on Jun 1, 2017

495 FERN VALLEY DR

TOCCOA, GA 30577
3
Beds
2
Baths
1,687 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.57 ac
Lot SizeThe size of the land the home sits on, from county records.
1981
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$257K
$233K low$281K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$134,000 · Jun 1, 2017

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,414 (2026)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$89,693 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$7,245
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$82,448
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$86,498
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$224,233

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Ranch
CountySTEPHENS
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1996
Lot (acres)The size of the land the home sits on, from county records.0.57
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Raised (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 200 ft²Patio · 200 ft²Porch · 49 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Stephens County High SchoolC
High · Grades 9–12 · 1.9 mi
M
Stephens County Middle SchoolC+
Middle · Grades 6–8 · 2.3 mi
E
Liberty Elementary School
Elementary · Grades 1–2 · 2.6 mi

District: Stephens County School District

Neighborhood · ZIP 30577These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.104
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.94
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.78

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.90%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.9.7%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.12%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.22,510
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.144 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$58,385
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$70,564
Average tempThe average temperature here across a full year.61°F
Annual precipHow much rain and melted snow falls here in a typical year.58 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.61%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

495 Fern Valley Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Has a smaller lot than 67% of homes in Stephens County

What homes are worth in Toccoa 30577

Each bar is how many homes fall in that price range. The marker is this home.

This home
$38K$688K

This home is worth more than 64% of homes in Toccoa 30577.

How it measures up in Toccoa 30577

The dot is this home. The mark in the middle is the typical home in Toccoa 30577.

Estimated value$257,063
CheaperTypical $215,341Pricier

Pricier than 64% of homes nearby

Price per ft²$152
CheaperTypical $143Pricier

Pricier than 57% of homes nearby

Living area1,687 ft²
SmallerTypical 1,512 ft²Bigger

Bigger than 61% of homes nearby

Lot size0.57 ac
SmallerTypical 0.97 acBigger

Bigger than 35% of homes nearby

Year built1981
OlderTypical 1977Newer

Newer than 57% of homes nearby

How 495 Fern Valley Dr ranks against every home in each area.
MeasureThis homeToccoa 30577Stephens County
Estimated valuepricier than$257,06364% of homes64% of homes
Price per ft²pricier than$15257% of homes55% of homes
Living areabigger than1,687 ft²61% of homes60% of homes
Lot sizebigger than0.57 ac35% of homes33% of homes
Year builtnewer than198157% of homes52% of homes

About 495 Fern Valley Dr

How much is 495 Fern Valley Dr, Toccoa, GA worth?

The TopHap Estimate for 495 Fern Valley Dr, Toccoa, GA is $257,063 as of Oct 21, 2026. The likely range is $232,672 to $281,454. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 495 Fern Valley Dr, Toccoa, GA last sell?

495 Fern Valley Dr, Toccoa, GA last sold on Jun 1, 2017 for $134,000, according to the county's recorded deed.

How big is 495 Fern Valley Dr, Toccoa, GA?

495 Fern Valley Dr, Toccoa, GA has 3 bedrooms, 2 bathrooms, 1,687 square feet of living space and a 0.57-acre lot.

When was 495 Fern Valley Dr, Toccoa, GA built?

495 Fern Valley Dr, Toccoa, GA was built in 1981, making it 45 years old. It is a ranch home. The building has 1 story.

What schools serve 495 Fern Valley Dr, Toccoa, GA?

495 Fern Valley Dr, Toccoa, GA is assigned to Stephens County High School (high), rated C; Stephens County Middle School (middle), rated C+; Liberty Elementary School (elementary). All sit in Stephens County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 495 Fern Valley Dr, Toccoa, GA compare to other homes in Toccoa 30577?

Among the 8,952 homes in Toccoa 30577, it is worth more than 64% of them ($257,063 against a typical $215,341), its price per square foot is higher than 57% of them ($152 against a typical $143), it is bigger than 61% of them (1,687 ft² against a typical 1,512 ft²), its lot is bigger than 35% of them (0.57 ac against a typical 0.97 ac) and it is newer than 57% of them (1981 against a typical 1977). Measured against all of Stephens County, it is worth more than 64% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 495 Fern Valley Dr, Toccoa, GA?

The 2026 property tax bill for 495 Fern Valley Dr, Toccoa, GA was $2,414. The county assessed it at $89,693.

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