309 Quail Forest Cir · Toccoa, GA 30577

$292,000

3 bd · 2.5 ba · 1,854 sqft · SingleFamily public records · 71 Days on market

Built 2023 0.41 ac lot $157/sqft · 16% below area Est $338k · 14% under $33/mo HOA · 2% of rent ↓ 19% since listing

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Why this score? — see what drove the D- grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• ARV discount +13.6/15.0
• Appreciation +8.1/10.0
• Cash flow +4.7/30.0
• Livability +3.4/5.0
• Schools +2.8/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +0.1/10.0
• DSCR +0.0/10.0

Listing remarks MLS

HUGE PRICE REDUCTION - Traditional Two Story Craftsman Style Home (with Exterior Concrete/Stone) on a 0.410 acre lot with 2-Car Garage - 3BR, 2.5BA; Family Room with Fireplace (wood burning) and Powder Room; Kitchen has Breakfast Area/Bar and Granite Countertops; Dining Room/Living Room Combo; Master Bedroom on Main Level and Master Bathroom with Double Vanities and Enlarged Walk In Shower; Laminate Flooring throughout and Marble Like Flooring in the Bathrooms and Laundry Room; Storage Area Underneath the Stairs; Property is a VA Foreclosure Home and Being Sold "As Is" and No Repairs to be Made by Seller; Property does Qualify for 100% USDA Financing; Quail Forest Subdivision is a Quaint Community in Toccoa; Local Attractions Include Toccoa Falls, Currahee Vineyard and Historic Ritz Theatre - Great Place to Call Home.

Key facts

• Craftsman style home
• Breakfast area bar
• Double vanities

Tags

• CRAFTSMAN STYLE HOME
• EXTERIOR CONCRETE STONE
• BREAKFAST AREA BAR
• GRANITE COUNTERTOPS
• MASTER BEDROOM ON MAIN LEVEL
• DOUBLE VANITIES

What this means for you Summary

Snapshot

• This is a 3-bed/2.5-bath single-family listed at $292k.

Deal economics

• At list price, monthly cash flow is $-731 ($-9k/yr) — negative.
• To cash-flow at today's rent, offer at most $163k (44.2% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $148k (49.2% below list).
• Recommended offer: $148k (49.2% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 68/100 on livability (#131 in GA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: schools D-, amenities F, commute F.
• Stephens County (rural): math 34% / reading 34% proficiency, ranked #74 of 174 in GA (top 42%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 226 active listings in the ZIP; 52 units permitted in Stephens County in 2024 (0 in 5+ unit buildings).
• This rent runs 33% of the median local income ($54k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $20k of equity ($2k loan paydown + $18k appreciation (6.2% local appreciation)).
• Stephens County population projected at -21% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• By year 2, paydown + projected appreciation supports a ~$32k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 71 days — a 6% lower offer ($274k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 3y ago; this cycle's ask has dropped $30k (9%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $148,226 (49.2% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 71 days. Have you received any prior offers? Is the seller open to a 49% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
7. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
8. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
9. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
10. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 0.51% ✗
• Cap rate: 3.29%
• Cash-on-cash: -10.73%
• DSCR: 0.52
• GRM: 16.4

CMA / ARV

• ARV (median comp): $338,205
• List price: $292,000
• Delta: -13.66%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 9 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
345 Quail Forest Circle (lot 3)	0.04mi	3/2.5	1,855 (+0%)	16mo	$310,000	$167	85
324 Quail Forest Circle (lot 35)	0.05mi	3/2.5	1,855 (+0%)	18mo	$302,400	$163	83
261 Quail Forest Cir	0.07mi	3/2.5	1,742 (-6%)	10mo	$320,000	$184	78
95 Quail Forest Circle (lot 20)	0.08mi	3/2.5	1,742 (-6%)	18mo	$299,900	$172	71
95 Quail Forest Cir Unit (LOT 20)	0.08mi	3/2.5	1,742 (-6%)	18mo	$299,900	$172	71
136 Julia Ct	0.30mi	4/2.0 (+1)	1,911 (+3%)	7mo	$240,000	$126	68
241 Quail Forest Cir	0.11mi	3/2.5	1,742 (-6%)	22mo	$355,000	$204	66
442 Cedar Ln	0.20mi	4/2.0 (+1)	1,756 (-5%)	10mo	$283,000	$161	66
43 Sycamore Dr	0.47mi	3/3.0	2,045 (+10%)	2mo	$186,000	$91	57

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

6.25% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 7.4%
• Equity multiple: 1.52×
• Total profit: $42,134
• Equity at exit: $188,271

10-year hold

• IRR: 9.3%
• Equity multiple: 2.95×
• Total profit: $159,175
• Equity at exit: $345,558

Cash invested: $81,760 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 90 Strongly Landlord-Friendly
• State Georgia: 90 Strongly Landlord-Friendly · R+3
• County: — inherits STATE
• City: — inherits STATE

Magistrate court evictions in 10-30 days; no rent control; preempted; few tenant protections.

Methodology + full state rankings →

ZIP-level market 30577

• Home prices YoY: 2.0%
• Active inventory: 226
• Price-to-rent: 16.4×

Monthly cashflow live

• Estimated rent: $1,482 medium
• Mortgage (P&I): −$1,531
• Tax from tax record: −$216 /mo · $2,591/yr
• Insurance: −$122
• HOA: −$33
• Vacancy / Maint / Mgmt: −$311
• Net cashflow: $-731

Break-even live

Break-even rent $2,407

Max offer price $162,889

Occupancy floor —

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $73,000
• Closing costs: $8,760
• Reserves months: —
• Total cash needed: —

HOA detail

• Monthly dues: $33 · $396/yr

Listing history 26 events

1. 2026-06-19
   days on market $292,000 Active 71 DOM
2. 2026-06-18
   days on market $292,000 Active 70 DOM
3. 2026-06-17
   days on market $292,000 Active 69 DOM
4. 2026-06-16
   days on market $292,000 Active 68 DOM
5. 2026-06-15
   statusdays on market $292,000 Active 67 DOM
6. 2026-06-14
   days on market $292,000 Price Change 65 DOM
7. 2026-06-12
   pricestatusdays on market $292,000 Price Change 64 DOM
8. 2026-06-09
   days on market $307,000 Active 61 DOM
9. 2026-06-08
   days on market $307,000 Active 60 DOM
10. 2026-06-07
    days on market $307,000 Active 59 DOM
11. 2026-06-07
    days on market $307,000 Active 58 DOM
12. 2026-06-03
    days on market $307,000 Active 55 DOM
13. 2026-06-02
    days on market $307,000 Active 54 DOM
14. 2026-06-01
    days on market $307,000 Active 53 DOM
15. 2026-05-31
    days on market $307,000 Active 52 DOM
16. 2026-05-31
    days on market $307,000 Active 51 DOM
17. 2026-05-14
    price $307,000 839-char remark

    Show marketing remark (839 chars)

    HUGE PRICE REDUCTION - Traditional Two Story Craftsman Style Home (with Exterior Concrete/Stone) on a 0.410 acre lot with 2-Car Garage - 3BR, 2.5BA; Family Room with Fireplace (wood burning) and Powder Room; Kitchen has Breakfast Area/Bar and Granite Countertops; Dining Room/Living Room Combo; Master Bedroom on Main Level and Master Bathroom with Double Vanities and Enlarged Walk In Shower; Laminate Flooring throughout and Marble Like Flooring in the Bathrooms and Laundry Room; Storage Area Underneath the Stairs; Property is a VA Foreclosure Home and Being Sold "As Is" and No Repairs to be Made by Seller; Property does Qualify for 100% USDA Financing; Quail Forest Subdivision is a Quaint Community in Toccoa; Local Attractions Include Toccoa Falls, Currahee Vineyard and Historic Ritz Theatre - Great Place to Call Home.

18. 2026-04-13
    soldstatus $260,555
19. 2026-04-09
    listed $322,500 New 839-char remark

    Show marketing remark (839 chars)

    HUGE PRICE REDUCTION - Traditional Two Story Craftsman Style Home (with Exterior Concrete/Stone) on a 0.410 acre lot with 2-Car Garage - 3BR, 2.5BA; Family Room with Fireplace (wood burning) and Powder Room; Kitchen has Breakfast Area/Bar and Granite Countertops; Dining Room/Living Room Combo; Master Bedroom on Main Level and Master Bathroom with Double Vanities and Enlarged Walk In Shower; Laminate Flooring throughout and Marble Like Flooring in the Bathrooms and Laundry Room; Storage Area Underneath the Stairs; Property is a VA Foreclosure Home and Being Sold "As Is" and No Repairs to be Made by Seller; Property does Qualify for 100% USDA Financing; Quail Forest Subdivision is a Quaint Community in Toccoa; Local Attractions Include Toccoa Falls, Currahee Vineyard and Historic Ritz Theatre - Great Place to Call Home.

20. 2024-05-09
    soldstatus $345,000 Closed 2236-char remark

    Show marketing remark (2236 chars)

    **$20,000 CREDIT to use ANYWAY YOU WANT when Buyer uses our preferred lender!! $10,000 PRICE IMPROVEMENT!! MOVE-IN READY !! **BUILT BY EMC HOMES GA**. This Lawson Plan on Lot #5 is quite unique and provides more privacy than others in the community. This two story is accented with a stone watertable and focal area of front of house. It has 3 bedrooms, 2.5 bathrooms and 1810 sq ft sits back off the road, and backed up to almost the woodline. This house has been greatly customized with 42" painted white cabinetry, granite countertops, stainless steel appliances, gooseneck sprayer faucet, Laminate flooring throughout, and beautiful marble like tile flooring in the bathrooms and laundry room. Open concept with dining area and a eat-in breakfast bar open from kitchen to family room. This Lawson Plan has a spacious Primary bedroom on the main floor, and Primary bathroom with enlarged shower, and a dual vanity, as well as a large walk-in closet. There is a Powder Room just off from the Family Room, as well as a storage area made underneath the stairs with it's own doorway. The Family Room also has an electric fireplace. Then just inside the internal garage door is your pantry with thick sturdy wooden shelving, and laundry room. Moving on to the upper level, there is an open metal stair railing leading to two ample sized secondary bedrooms (JUST AS LARGE AS PRIMARY BDRM), both with spacious walk-in closets, and share a full size jack-n-jill bathroom that has been customized with an enlarged shower and framed door. All working windows and doors have already been installed with 3" faux wood blinds. The external corners of the house also have already been prewired for motion censored security lights. ***PHOTOS ARE OF ACTUAL PROPERTY/HOUSE*** ***Property does qualify for $0 Down 100% USDA Financing*** Settled in Northeast Georgia near the South Carolina border, Quail Forest is a quaint community in Toccoa offering affordable ranch and two-story homes. You’ll love the serene setting of small-town living, away from the hustle and bustle of the city. With local attractions like Toccoa Falls, the Currahee Vineyard and Winery and the Historic Ritz Theatre, Toccoa is a great place to call home.

21. 2024-04-10
    status Pending 2236-char remark

    Show marketing remark (2236 chars)

    **$20,000 CREDIT to use ANYWAY YOU WANT when Buyer uses our preferred lender!! $10,000 PRICE IMPROVEMENT!! MOVE-IN READY !! **BUILT BY EMC HOMES GA**. This Lawson Plan on Lot #5 is quite unique and provides more privacy than others in the community. This two story is accented with a stone watertable and focal area of front of house. It has 3 bedrooms, 2.5 bathrooms and 1810 sq ft sits back off the road, and backed up to almost the woodline. This house has been greatly customized with 42" painted white cabinetry, granite countertops, stainless steel appliances, gooseneck sprayer faucet, Laminate flooring throughout, and beautiful marble like tile flooring in the bathrooms and laundry room. Open concept with dining area and a eat-in breakfast bar open from kitchen to family room. This Lawson Plan has a spacious Primary bedroom on the main floor, and Primary bathroom with enlarged shower, and a dual vanity, as well as a large walk-in closet. There is a Powder Room just off from the Family Room, as well as a storage area made underneath the stairs with it's own doorway. The Family Room also has an electric fireplace. Then just inside the internal garage door is your pantry with thick sturdy wooden shelving, and laundry room. Moving on to the upper level, there is an open metal stair railing leading to two ample sized secondary bedrooms (JUST AS LARGE AS PRIMARY BDRM), both with spacious walk-in closets, and share a full size jack-n-jill bathroom that has been customized with an enlarged shower and framed door. All working windows and doors have already been installed with 3" faux wood blinds. The external corners of the house also have already been prewired for motion censored security lights. ***PHOTOS ARE OF ACTUAL PROPERTY/HOUSE*** ***Property does qualify for $0 Down 100% USDA Financing*** Settled in Northeast Georgia near the South Carolina border, Quail Forest is a quaint community in Toccoa offering affordable ranch and two-story homes. You’ll love the serene setting of small-town living, away from the hustle and bustle of the city. With local attractions like Toccoa Falls, the Currahee Vineyard and Winery and the Historic Ritz Theatre, Toccoa is a great place to call home.

22. 2024-03-09
    price $364,900 2236-char remark

    Show marketing remark (2236 chars)

    **$20,000 CREDIT to use ANYWAY YOU WANT when Buyer uses our preferred lender!! $10,000 PRICE IMPROVEMENT!! MOVE-IN READY !! **BUILT BY EMC HOMES GA**. This Lawson Plan on Lot #5 is quite unique and provides more privacy than others in the community. This two story is accented with a stone watertable and focal area of front of house. It has 3 bedrooms, 2.5 bathrooms and 1810 sq ft sits back off the road, and backed up to almost the woodline. This house has been greatly customized with 42" painted white cabinetry, granite countertops, stainless steel appliances, gooseneck sprayer faucet, Laminate flooring throughout, and beautiful marble like tile flooring in the bathrooms and laundry room. Open concept with dining area and a eat-in breakfast bar open from kitchen to family room. This Lawson Plan has a spacious Primary bedroom on the main floor, and Primary bathroom with enlarged shower, and a dual vanity, as well as a large walk-in closet. There is a Powder Room just off from the Family Room, as well as a storage area made underneath the stairs with it's own doorway. The Family Room also has an electric fireplace. Then just inside the internal garage door is your pantry with thick sturdy wooden shelving, and laundry room. Moving on to the upper level, there is an open metal stair railing leading to two ample sized secondary bedrooms (JUST AS LARGE AS PRIMARY BDRM), both with spacious walk-in closets, and share a full size jack-n-jill bathroom that has been customized with an enlarged shower and framed door. All working windows and doors have already been installed with 3" faux wood blinds. The external corners of the house also have already been prewired for motion censored security lights. ***PHOTOS ARE OF ACTUAL PROPERTY/HOUSE*** ***Property does qualify for $0 Down 100% USDA Financing*** Settled in Northeast Georgia near the South Carolina border, Quail Forest is a quaint community in Toccoa offering affordable ranch and two-story homes. You’ll love the serene setting of small-town living, away from the hustle and bustle of the city. With local attractions like Toccoa Falls, the Currahee Vineyard and Winery and the Historic Ritz Theatre, Toccoa is a great place to call home.

23. 2024-03-09
    status Active 2236-char remark

    Show marketing remark (2236 chars)

    **$20,000 CREDIT to use ANYWAY YOU WANT when Buyer uses our preferred lender!! $10,000 PRICE IMPROVEMENT!! MOVE-IN READY !! **BUILT BY EMC HOMES GA**. This Lawson Plan on Lot #5 is quite unique and provides more privacy than others in the community. This two story is accented with a stone watertable and focal area of front of house. It has 3 bedrooms, 2.5 bathrooms and 1810 sq ft sits back off the road, and backed up to almost the woodline. This house has been greatly customized with 42" painted white cabinetry, granite countertops, stainless steel appliances, gooseneck sprayer faucet, Laminate flooring throughout, and beautiful marble like tile flooring in the bathrooms and laundry room. Open concept with dining area and a eat-in breakfast bar open from kitchen to family room. This Lawson Plan has a spacious Primary bedroom on the main floor, and Primary bathroom with enlarged shower, and a dual vanity, as well as a large walk-in closet. There is a Powder Room just off from the Family Room, as well as a storage area made underneath the stairs with it's own doorway. The Family Room also has an electric fireplace. Then just inside the internal garage door is your pantry with thick sturdy wooden shelving, and laundry room. Moving on to the upper level, there is an open metal stair railing leading to two ample sized secondary bedrooms (JUST AS LARGE AS PRIMARY BDRM), both with spacious walk-in closets, and share a full size jack-n-jill bathroom that has been customized with an enlarged shower and framed door. All working windows and doors have already been installed with 3" faux wood blinds. The external corners of the house also have already been prewired for motion censored security lights. ***PHOTOS ARE OF ACTUAL PROPERTY/HOUSE*** ***Property does qualify for $0 Down 100% USDA Financing*** Settled in Northeast Georgia near the South Carolina border, Quail Forest is a quaint community in Toccoa offering affordable ranch and two-story homes. You’ll love the serene setting of small-town living, away from the hustle and bustle of the city. With local attractions like Toccoa Falls, the Currahee Vineyard and Winery and the Historic Ritz Theatre, Toccoa is a great place to call home.

24. 2024-02-10
    historical Active Under Contract 2236-char remark

    Show marketing remark (2236 chars)

    **$20,000 CREDIT to use ANYWAY YOU WANT when Buyer uses our preferred lender!! $10,000 PRICE IMPROVEMENT!! MOVE-IN READY !! **BUILT BY EMC HOMES GA**. This Lawson Plan on Lot #5 is quite unique and provides more privacy than others in the community. This two story is accented with a stone watertable and focal area of front of house. It has 3 bedrooms, 2.5 bathrooms and 1810 sq ft sits back off the road, and backed up to almost the woodline. This house has been greatly customized with 42" painted white cabinetry, granite countertops, stainless steel appliances, gooseneck sprayer faucet, Laminate flooring throughout, and beautiful marble like tile flooring in the bathrooms and laundry room. Open concept with dining area and a eat-in breakfast bar open from kitchen to family room. This Lawson Plan has a spacious Primary bedroom on the main floor, and Primary bathroom with enlarged shower, and a dual vanity, as well as a large walk-in closet. There is a Powder Room just off from the Family Room, as well as a storage area made underneath the stairs with it's own doorway. The Family Room also has an electric fireplace. Then just inside the internal garage door is your pantry with thick sturdy wooden shelving, and laundry room. Moving on to the upper level, there is an open metal stair railing leading to two ample sized secondary bedrooms (JUST AS LARGE AS PRIMARY BDRM), both with spacious walk-in closets, and share a full size jack-n-jill bathroom that has been customized with an enlarged shower and framed door. All working windows and doors have already been installed with 3" faux wood blinds. The external corners of the house also have already been prewired for motion censored security lights. ***PHOTOS ARE OF ACTUAL PROPERTY/HOUSE*** ***Property does qualify for $0 Down 100% USDA Financing*** Settled in Northeast Georgia near the South Carolina border, Quail Forest is a quaint community in Toccoa offering affordable ranch and two-story homes. You’ll love the serene setting of small-town living, away from the hustle and bustle of the city. With local attractions like Toccoa Falls, the Currahee Vineyard and Winery and the Historic Ritz Theatre, Toccoa is a great place to call home.

25. 2024-01-10
    price $374,900 2236-char remark

    Show marketing remark (2236 chars)

    **$20,000 CREDIT to use ANYWAY YOU WANT when Buyer uses our preferred lender!! $10,000 PRICE IMPROVEMENT!! MOVE-IN READY !! **BUILT BY EMC HOMES GA**. This Lawson Plan on Lot #5 is quite unique and provides more privacy than others in the community. This two story is accented with a stone watertable and focal area of front of house. It has 3 bedrooms, 2.5 bathrooms and 1810 sq ft sits back off the road, and backed up to almost the woodline. This house has been greatly customized with 42" painted white cabinetry, granite countertops, stainless steel appliances, gooseneck sprayer faucet, Laminate flooring throughout, and beautiful marble like tile flooring in the bathrooms and laundry room. Open concept with dining area and a eat-in breakfast bar open from kitchen to family room. This Lawson Plan has a spacious Primary bedroom on the main floor, and Primary bathroom with enlarged shower, and a dual vanity, as well as a large walk-in closet. There is a Powder Room just off from the Family Room, as well as a storage area made underneath the stairs with it's own doorway. The Family Room also has an electric fireplace. Then just inside the internal garage door is your pantry with thick sturdy wooden shelving, and laundry room. Moving on to the upper level, there is an open metal stair railing leading to two ample sized secondary bedrooms (JUST AS LARGE AS PRIMARY BDRM), both with spacious walk-in closets, and share a full size jack-n-jill bathroom that has been customized with an enlarged shower and framed door. All working windows and doors have already been installed with 3" faux wood blinds. The external corners of the house also have already been prewired for motion censored security lights. ***PHOTOS ARE OF ACTUAL PROPERTY/HOUSE*** ***Property does qualify for $0 Down 100% USDA Financing*** Settled in Northeast Georgia near the South Carolina border, Quail Forest is a quaint community in Toccoa offering affordable ranch and two-story homes. You’ll love the serene setting of small-town living, away from the hustle and bustle of the city. With local attractions like Toccoa Falls, the Currahee Vineyard and Winery and the Historic Ritz Theatre, Toccoa is a great place to call home.

26. 2023-12-22
    listed $379,900 Active 2236-char remark

    Show marketing remark (2236 chars)

    **$20,000 CREDIT to use ANYWAY YOU WANT when Buyer uses our preferred lender!! $10,000 PRICE IMPROVEMENT!! MOVE-IN READY !! **BUILT BY EMC HOMES GA**. This Lawson Plan on Lot #5 is quite unique and provides more privacy than others in the community. This two story is accented with a stone watertable and focal area of front of house. It has 3 bedrooms, 2.5 bathrooms and 1810 sq ft sits back off the road, and backed up to almost the woodline. This house has been greatly customized with 42" painted white cabinetry, granite countertops, stainless steel appliances, gooseneck sprayer faucet, Laminate flooring throughout, and beautiful marble like tile flooring in the bathrooms and laundry room. Open concept with dining area and a eat-in breakfast bar open from kitchen to family room. This Lawson Plan has a spacious Primary bedroom on the main floor, and Primary bathroom with enlarged shower, and a dual vanity, as well as a large walk-in closet. There is a Powder Room just off from the Family Room, as well as a storage area made underneath the stairs with it's own doorway. The Family Room also has an electric fireplace. Then just inside the internal garage door is your pantry with thick sturdy wooden shelving, and laundry room. Moving on to the upper level, there is an open metal stair railing leading to two ample sized secondary bedrooms (JUST AS LARGE AS PRIMARY BDRM), both with spacious walk-in closets, and share a full size jack-n-jill bathroom that has been customized with an enlarged shower and framed door. All working windows and doors have already been installed with 3" faux wood blinds. The external corners of the house also have already been prewired for motion censored security lights. ***PHOTOS ARE OF ACTUAL PROPERTY/HOUSE*** ***Property does qualify for $0 Down 100% USDA Financing*** Settled in Northeast Georgia near the South Carolina border, Quail Forest is a quaint community in Toccoa offering affordable ranch and two-story homes. You’ll love the serene setting of small-town living, away from the hustle and bustle of the city. With local attractions like Toccoa Falls, the Currahee Vineyard and Winery and the Historic Ritz Theatre, Toccoa is a great place to call home.

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast GA · Resets to sale price

• Current annual tax: $2,591 · $216/mo
• Projected year-2 tax: $2,686 · $224/mo
• Expected delta: +$96/yr (+$8/mo · 3.7%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 5/10 Major 7 d/yr ≥104°F today · 17 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 2% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 3 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,787
• − Mortgage interest: −$16,357
• − Property taxes: −$2,591
• − Insurance: −$1,460
• − Repairs & maintenance: −$1,423
• − Management: −$1,423
• − HOA: −$396
• − Depreciation: −$8,495
• Taxable loss: −$14,357
• Est. tax savings @ 24.0%: +$3,446
• After-tax cash flow: $-5,325/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Stephens County
• NCES district ID: 1304560
• Math proficiency: 34% ▼ -6.00%
• Reading proficiency: 34% ▼ -4.00%
• Median HH income: $38,416
• Composite: 28.42/100
• National rank: #6759
• State rank: #74 of 174 in GA

Livability — Toccoa

• Score: 68/100
• State rank: #131
• US rank: #9152

Category grades

Amenities F Commute F Cost of living A+ Crime C Employment F Housing A+ Health & safety A+ User ratings B

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Toccoa, GA
• County: Stephens County · 22,964 people
• City population: 22,964
• Metro: Toccoa, GA
• Population (ZIP): 22,964
• Household income: $53,818
• Rent vs Own: 27.7% rent · 72.3% own
• Severe rent burden: 594.0

Population outlook (Stephens County) Hauer SSP2

• Today (2025): 23,797 people
• By 2030: 22,785 · -4.3%
• By 2040: 20,653 · -13.2%
• By 2050: 18,745 · -21.2%
• By 2075: 14,780 · -37.9%
• By 2100: 11,079 · -53.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (79%)
• Race & ethnicity: White 79% Black 12% Hispanic / Latino 4% Two or more races 4% Asian 1%
• Common ancestry: Serbian 2% Slovak 2% Italian 1%
• Foreign-born: 4% · Canada
• Languages at home: 95% English-only · Spanish 3% Other Indo-European 1% German/W. Germanic 1%

Political lean MEDSL · Stephens

• 2024 margin: Solid R (+62.8) · D 18.4% · R 81.2%
• 2008→2024 swing: -15.4pp toward R · 2008: -47.4pp · 2024: -62.8pp
• All cycles: 2024: R+62.8 2020: R+58.7 2016: R+59.9 2012: R+53.7 2008: R+47.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 6.25%
• Current HPI: 320.5275
• Rent YoY: —
• Metro: Toccoa, GA
• State GDP YoY: ▲ 2.66%
• F500 in state: 28

Industry mix (Fortune 500 HQ in GA)

Industry	F500 HQs	Revenue
▸Paper / Packaging	2	$29B
▸Retail	1	$160B
▸Transportation / Logistics	1	$91B
▸Airlines	1	$62B
▸Consumer Goods	1	$47B
▸Utilities	1	$25B

Price history

-19.2% since first listed

10 events — show timeline

• 2026-05-14 Price Changed $307,000 GAMLS
• 2026-04-13 Sold (Public Records) $260,555 Public Records
• 2026-04-09 Listed $322,500 GAMLS
• 2024-05-09 Sold (MLS) $345,000 FMLS
• 2024-04-10 Pending — FMLS
• 2024-03-09 Price Changed $364,900 FMLS
• 2024-03-09 Relisted — FMLS
• 2024-02-10 Contingent — FMLS
• 2024-01-10 Price Changed $374,900 FMLS
• 2023-12-22 Listed $379,900 FMLS

Property tax history

+146.7%/yr

Latest (2025): $2,591 · -9.1% YoY. Source: county tax records.