Mrs. Judy Payne Andrews

Mrs. Judy Payne Andrews, age 79, of Toccoa, passed away Monday, July 6, 2026 at Northeast Georgia Medical Center – Habersham.

Born July 18, 1946 in Toccoa, she was a daughter of the late Gordon Samuel and Minnie Lutrell Kesler Payne.  Judy was a member of New Bethel Baptist Church and faithfully watched Tom’s Creek Baptist Church services online every week.  She and her late husband, Bobby, owned and operated Currahee RV for many years. Judy had also worked at Trogdon Furniture as a receptionist and she retired from Stephens County Hospital as the ER Registration Clerk with 15 years of service.

Above all, Judy was completely devoted to her family.  She loved traveling and catching the ocean breeze at the beach, but her ultimate joy in life was her grandchildren and great-grandchild.  She cherished every moment spent surrounded by the people she loved most.

Family members include her son and daughter-in-law, Chad and Christy Andrews; grandchildren, Bronson Andrews and Madison; Ivey Andrews Smith and David; and Eve Andrews; and her great-grandson, born on her birthday, Lawson Keith Andrews.

She was preceded in death by her parents, her husband, William Bobby Andrews; and her infant brother, Trinnon Samuel Payne.

The family will receive friends at the mortuary Friday, July 10, 2026 from 5pm – 8pm and Saturday, July 11, 2026 from 1pm – 1:45pm.

Funeral services will be held two o’clock Saturday, July 11, 2026 from the Chapel of Whitlock Mortuary with the Rev. Wayne Marcus officiating.

Burial will follow at New Bethel Baptist Church Cemetery with Mr. Barry Adams officiating at the graveside service.

Bronson Andrews, David Smith, Colby Fowler, Barry Adams, Doug Adams, and Gary Adams will serve as pallbearers.

In lieu of flowers, memorial donations may be made to Tom’s Creek Baptist Church Video Ministry.

Please keep the family in your thoughts and prayers and sign the online guestbook at www.whitlockmortuary.net.

Whitlock Mortuary, Funerals and Cremations is honored to be serving the family of Mrs. Judy Payne Andrews.