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Single Family ResidenceResidential
$243,829$169 / 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 94How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $110,000 on Jun 27, 2001

95 FERN VALLEY CIR

TOCCOA, GA 30577
3
Beds
2
Baths
1,447 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.
0.86 ac
Lot SizeThe size of the land the home sits on, from county records.
1989
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

$244K
$230K low$258K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$110,000 · Jun 27, 2001

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,140 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$77,977 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$4,641
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$73,336
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$52,648
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$194,942

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.10 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

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.1995
Lot (acres)The size of the land the home sits on, from county records.0.86
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
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 70 ft²Patio · 70 ft²Porch · 373 ft²

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 SchoolB-
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

95 Fern Valley Cir 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.

  • Costs more per square foot than 71% of homes in Toccoa 30577
  • Newer than 69% of homes in Toccoa 30577

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
$40K$725K

This home is worth more than 59% 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$243,829
CheaperTypical $218,923Pricier

Pricier than 59% of homes nearby

Price per ft²$169
CheaperTypical $144Pricier

Pricier than 71% of homes nearby

Living area1,447 ft²
SmallerTypical 1,495 ft²Bigger

Bigger than 47% of homes nearby

Lot size0.86 ac
SmallerTypical 0.98 acBigger

Bigger than 47% of homes nearby

Year built1989
OlderTypical 1976Newer

Newer than 69% of homes nearby

How 95 Fern Valley Cir ranks against every home in each area.
MeasureThis homeToccoa 30577Stephens County
Estimated valuepricier than$243,82959% of homes58% of homes
Price per ft²pricier than$16971% of homes67% of homes
Living areabigger than1,447 ft²47% of homes47% of homes
Lot sizebigger than0.86 ac47% of homes45% of homes
Year builtnewer than198969% of homes64% of homes

About 95 Fern Valley Cir

How much is 95 Fern Valley Cir, Toccoa, GA worth?

The TopHap Estimate for 95 Fern Valley Cir, Toccoa, GA is $243,829 as of Sep 24, 2026. The likely range is $230,019 to $257,639. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 95 Fern Valley Cir, Toccoa, GA last sell?

95 Fern Valley Cir, Toccoa, GA last sold on Jun 27, 2001 for $110,000, according to the county's recorded deed.

How big is 95 Fern Valley Cir, Toccoa, GA?

95 Fern Valley Cir, Toccoa, GA has 3 bedrooms, 2 bathrooms, 1,447 square feet of living space and a 0.86-acre lot.

When was 95 Fern Valley Cir, Toccoa, GA built?

95 Fern Valley Cir, Toccoa, GA was built in 1989, making it 37 years old. It is a ranch home. The building has 1 story.

What schools serve 95 Fern Valley Cir, Toccoa, GA?

95 Fern Valley Cir, Toccoa, GA is assigned to Stephens County High School (high), rated B-; 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 95 Fern Valley Cir, Toccoa, GA compare to other homes in Toccoa 30577?

Among the 8,873 homes in Toccoa 30577, it is worth more than 59% of them ($243,829 against a typical $218,923), its price per square foot is higher than 71% of them ($169 against a typical $144), it is bigger than 47% of them (1,447 ft² against a typical 1,495 ft²), its lot is bigger than 47% of them (0.86 ac against a typical 0.98 ac) and it is newer than 69% of them (1989 against a typical 1976). Measured against all of Stephens County, it is worth more than 58% 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 95 Fern Valley Cir, Toccoa, GA?

The 2025 property tax bill for 95 Fern Valley Cir, Toccoa, GA was $2,140. The county assessed it at $77,977.

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Assigned schools

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