43 Mountain View Dr · Toccoa, GA 30577

$219,900

4 bd · 4.0 ba · 3,792 sqft · SingleFamily public records · 112 Days on market

Built 1956 1.27 ac lot Est $413k · 47% under ↓ 32% 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 +15.0/15.0
• Cash flow +8.7/30.0
• Appreciation +8.1/10.0
• Livability +3.4/5.0
• 1% rule +2.8/10.0
• Schools +2.8/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• DSCR +2.4/10.0

Listing remarks MLS

This spacious home in a quiet Toccoa neighborhood offers the perfect canvas for your next renovation project—whether you're an investor seeking value-add potential or a homeowner ready to personalize your space. With a unique floor plan, classic details, and functional layout, this home is full of character and opportunity. The main level includes a kitchen with breakfast area, formal dining space, and two living areas, one of which features a sunken den perfect for relaxing or hosting. Handcrafted original doors, wood floors, wainscoting in the hallway, and vintage charm carry throughout the home. A Jack-and-Jill bathroom connects additional bedrooms, and a breezeway adds flexibility between the breakfast nook and secondary bedroom wing. The primary suite includes a garden tub, separate shower, and wood flooring, while another en-suite bed and bath just past the den provides ideal guest accommodations. The pantry and dedicated laundry room offer convenience and storage. Downstairs, you'll find a finished basement with a wet bar, half bath, and extra space for a man cave, gym, or storage. A sliding door opens to a small concrete patio, and the home includes a crawl space with sump pump for added functionality. Exterior highlights include: an extended driveway, carport with adjacent storage, lower parking pad, gas-burning lamp posts, and a built-in party bench to enjoy the peaceful setting. Additional features include: a 4-point security camera system, a tennis court, basketball court and potential for cosmetic upgrades throughout, making this a strong remodel candidate with room to build equity. This one has all the bones—schedule your showing today and bring your vision to life!

Key facts

• Unique floor plan
• Wood floors
• Breezeway

Tags

• UNIQUE FLOOR PLAN
• HANDCRAFTED ORIGINAL DOORS
• WOOD FLOORS
• WAINSCOTING IN HALLWAY
• JACK-AND-JILL BATHROOM
• BREEZEWAY

What this means for you Summary

Snapshot

• This is a 4-bed/4.0-bath single-family listed at $220k.

Deal economics

• At list price, monthly cash flow is $-185 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $187k (14.8% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $171k (22.1% below list).
• Recommended offer: $171k (22.1% below list) — sets the bar for 1% rule.
• Cap rate 5.3% vs local median 3.4% in Toccoa — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

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: amenities F, commute F, employment 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.
• Zoned schools: Toccoa Elementary School (math 46% / reading 39%, grade F, #374 of 1,228 statewide, top 31%, 563 students, 75% FRL) — zoned schools average 75% FRL vs 51% district-wide (24 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 226 active listings in the ZIP; 52 units permitted in Stephens County in 2024 (0 in 5+ unit buildings).
• This rent runs 38% 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 $15k of equity ($2k loan paydown + $14k 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 3, paydown + projected appreciation supports a ~$38k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 112 days — a 9% lower offer ($200k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts; this cycle's ask has dropped $105k (32%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1956 — expect roof / HVAC / electrical / plumbing capex.
• 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 $171,222 (22.1% 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 112 days. Have you received any prior offers? Is the seller open to a 22% concession, seller financing, or rate buy-down credit?
3. Built in 1956 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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: 0.78% ✗
• Cap rate: 5.28%
• Cash-on-cash: -3.60%
• DSCR: 0.84
• GRM: 10.7

CMA / ARV

• ARV (on-the-fly): $413,328
• Comps found: 3

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
151 Boulevard	0.19mi	4/2.5	4,000 (+6%)	21mo	$479,000	$120	58
42 Oak Creek Cir	0.37mi	4/3.0	4,123 (+9%)	9mo	$448,000	$109	56
62 Rosedale St	0.47mi	3/4.0 (-1)	3,584 (-6%)	22mo	$275,000	$77	46

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: 13.1%
• Equity multiple: 1.89×
• Total profit: $55,090
• Equity at exit: $141,783

10-year hold

• IRR: 13.6%
• Equity multiple: 3.77×
• Total profit: $170,496
• Equity at exit: $260,234

Cash invested: $61,572 (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: 10.7×

Monthly cashflow live

• Estimated rent: $1,712 medium
• Mortgage (P&I): −$1,153
• Tax from tax record: −$293 /mo · $3,512/yr
• Insurance: −$92
• HOA: −$0
• Vacancy / Maint / Mgmt: −$360
• Net cashflow: $-185

Break-even live

Break-even rent $1,946

Max offer price $187,256

Occupancy floor —

Sensitivity live

Price	-10% $-60	-5% $-123	+0% $-185	+5% $-247	+10% $-309
Rent	-10% $-320	-5% $-252	+0% $-185	+5% $-117	+10% $-50
Rate	-1.0pp $-74	-0.5pp $-129	base $-185	+0.5pp $-242	+1.0pp $-300

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: $54,975
• Closing costs: $6,597
• Reserves months: —
• Total cash needed: —

Listing history 18 events

1. 2025-12-25
   status Under Contract

   Show marketing remark (1720 chars)

   This spacious home in a quiet Toccoa neighborhood offers the perfect canvas for your next renovation project—whether you're an investor seeking value-add potential or a homeowner ready to personalize your space. With a unique floor plan, classic details, and functional layout, this home is full of character and opportunity. The main level includes a kitchen with breakfast area, formal dining space, and two living areas, one of which features a sunken den perfect for relaxing or hosting. Handcrafted original doors, wood floors, wainscoting in the hallway, and vintage charm carry throughout the home. A Jack-and-Jill bathroom connects additional bedrooms, and a breezeway adds flexibility between the breakfast nook and secondary bedroom wing. The primary suite includes a garden tub, separate shower, and wood flooring, while another en-suite bed and bath just past the den provides ideal guest accommodations. The pantry and dedicated laundry room offer convenience and storage. Downstairs, you'll find a finished basement with a wet bar, half bath, and extra space for a man cave, gym, or storage. A sliding door opens to a small concrete patio, and the home includes a crawl space with sump pump for added functionality. Exterior highlights include: an extended driveway, carport with adjacent storage, lower parking pad, gas-burning lamp posts, and a built-in party bench to enjoy the peaceful setting. Additional features include: a 4-point security camera system, a tennis court, basketball court and potential for cosmetic upgrades throughout, making this a strong remodel candidate with room to build equity. This one has all the bones—schedule your showing today and bring your vision to life!

2. 2025-12-25
   status Pending 1720-char remark

   Show marketing remark (1720 chars)

   This spacious home in a quiet Toccoa neighborhood offers the perfect canvas for your next renovation project—whether you're an investor seeking value-add potential or a homeowner ready to personalize your space. With a unique floor plan, classic details, and functional layout, this home is full of character and opportunity. The main level includes a kitchen with breakfast area, formal dining space, and two living areas, one of which features a sunken den perfect for relaxing or hosting. Handcrafted original doors, wood floors, wainscoting in the hallway, and vintage charm carry throughout the home. A Jack-and-Jill bathroom connects additional bedrooms, and a breezeway adds flexibility between the breakfast nook and secondary bedroom wing. The primary suite includes a garden tub, separate shower, and wood flooring, while another en-suite bed and bath just past the den provides ideal guest accommodations. The pantry and dedicated laundry room offer convenience and storage. Downstairs, you'll find a finished basement with a wet bar, half bath, and extra space for a man cave, gym, or storage. A sliding door opens to a small concrete patio, and the home includes a crawl space with sump pump for added functionality. Exterior highlights include: an extended driveway, carport with adjacent storage, lower parking pad, gas-burning lamp posts, and a built-in party bench to enjoy the peaceful setting. Additional features include: a 4-point security camera system, a tennis court, basketball court and potential for cosmetic upgrades throughout, making this a strong remodel candidate with room to build equity. This one has all the bones—schedule your showing today and bring your vision to life!

3. 2025-12-09
   status Active 1720-char remark

   Show marketing remark (1720 chars)

   This spacious home in a quiet Toccoa neighborhood offers the perfect canvas for your next renovation project—whether you're an investor seeking value-add potential or a homeowner ready to personalize your space. With a unique floor plan, classic details, and functional layout, this home is full of character and opportunity. The main level includes a kitchen with breakfast area, formal dining space, and two living areas, one of which features a sunken den perfect for relaxing or hosting. Handcrafted original doors, wood floors, wainscoting in the hallway, and vintage charm carry throughout the home. A Jack-and-Jill bathroom connects additional bedrooms, and a breezeway adds flexibility between the breakfast nook and secondary bedroom wing. The primary suite includes a garden tub, separate shower, and wood flooring, while another en-suite bed and bath just past the den provides ideal guest accommodations. The pantry and dedicated laundry room offer convenience and storage. Downstairs, you'll find a finished basement with a wet bar, half bath, and extra space for a man cave, gym, or storage. A sliding door opens to a small concrete patio, and the home includes a crawl space with sump pump for added functionality. Exterior highlights include: an extended driveway, carport with adjacent storage, lower parking pad, gas-burning lamp posts, and a built-in party bench to enjoy the peaceful setting. Additional features include: a 4-point security camera system, a tennis court, basketball court and potential for cosmetic upgrades throughout, making this a strong remodel candidate with room to build equity. This one has all the bones—schedule your showing today and bring your vision to life!

4. 2025-12-09
   price $219,900 1720-char remark

   Show marketing remark (1720 chars)

   This spacious home in a quiet Toccoa neighborhood offers the perfect canvas for your next renovation project—whether you're an investor seeking value-add potential or a homeowner ready to personalize your space. With a unique floor plan, classic details, and functional layout, this home is full of character and opportunity. The main level includes a kitchen with breakfast area, formal dining space, and two living areas, one of which features a sunken den perfect for relaxing or hosting. Handcrafted original doors, wood floors, wainscoting in the hallway, and vintage charm carry throughout the home. A Jack-and-Jill bathroom connects additional bedrooms, and a breezeway adds flexibility between the breakfast nook and secondary bedroom wing. The primary suite includes a garden tub, separate shower, and wood flooring, while another en-suite bed and bath just past the den provides ideal guest accommodations. The pantry and dedicated laundry room offer convenience and storage. Downstairs, you'll find a finished basement with a wet bar, half bath, and extra space for a man cave, gym, or storage. A sliding door opens to a small concrete patio, and the home includes a crawl space with sump pump for added functionality. Exterior highlights include: an extended driveway, carport with adjacent storage, lower parking pad, gas-burning lamp posts, and a built-in party bench to enjoy the peaceful setting. Additional features include: a 4-point security camera system, a tennis court, basketball court and potential for cosmetic upgrades throughout, making this a strong remodel candidate with room to build equity. This one has all the bones—schedule your showing today and bring your vision to life!

5. 2025-12-09
   price $219,900

   Show marketing remark (1720 chars)

   This spacious home in a quiet Toccoa neighborhood offers the perfect canvas for your next renovation project—whether you're an investor seeking value-add potential or a homeowner ready to personalize your space. With a unique floor plan, classic details, and functional layout, this home is full of character and opportunity. The main level includes a kitchen with breakfast area, formal dining space, and two living areas, one of which features a sunken den perfect for relaxing or hosting. Handcrafted original doors, wood floors, wainscoting in the hallway, and vintage charm carry throughout the home. A Jack-and-Jill bathroom connects additional bedrooms, and a breezeway adds flexibility between the breakfast nook and secondary bedroom wing. The primary suite includes a garden tub, separate shower, and wood flooring, while another en-suite bed and bath just past the den provides ideal guest accommodations. The pantry and dedicated laundry room offer convenience and storage. Downstairs, you'll find a finished basement with a wet bar, half bath, and extra space for a man cave, gym, or storage. A sliding door opens to a small concrete patio, and the home includes a crawl space with sump pump for added functionality. Exterior highlights include: an extended driveway, carport with adjacent storage, lower parking pad, gas-burning lamp posts, and a built-in party bench to enjoy the peaceful setting. Additional features include: a 4-point security camera system, a tennis court, basketball court and potential for cosmetic upgrades throughout, making this a strong remodel candidate with room to build equity. This one has all the bones—schedule your showing today and bring your vision to life!

6. 2025-11-01
   historical 1720-char remark

   Show marketing remark (1720 chars)

   This spacious home in a quiet Toccoa neighborhood offers the perfect canvas for your next renovation project—whether you're an investor seeking value-add potential or a homeowner ready to personalize your space. With a unique floor plan, classic details, and functional layout, this home is full of character and opportunity. The main level includes a kitchen with breakfast area, formal dining space, and two living areas, one of which features a sunken den perfect for relaxing or hosting. Handcrafted original doors, wood floors, wainscoting in the hallway, and vintage charm carry throughout the home. A Jack-and-Jill bathroom connects additional bedrooms, and a breezeway adds flexibility between the breakfast nook and secondary bedroom wing. The primary suite includes a garden tub, separate shower, and wood flooring, while another en-suite bed and bath just past the den provides ideal guest accommodations. The pantry and dedicated laundry room offer convenience and storage. Downstairs, you'll find a finished basement with a wet bar, half bath, and extra space for a man cave, gym, or storage. A sliding door opens to a small concrete patio, and the home includes a crawl space with sump pump for added functionality. Exterior highlights include: an extended driveway, carport with adjacent storage, lower parking pad, gas-burning lamp posts, and a built-in party bench to enjoy the peaceful setting. Additional features include: a 4-point security camera system, a tennis court, basketball court and potential for cosmetic upgrades throughout, making this a strong remodel candidate with room to build equity. This one has all the bones—schedule your showing today and bring your vision to life!

7. 2025-10-29
   status Active 1720-char remark

   Show marketing remark (1720 chars)

   This spacious home in a quiet Toccoa neighborhood offers the perfect canvas for your next renovation project—whether you're an investor seeking value-add potential or a homeowner ready to personalize your space. With a unique floor plan, classic details, and functional layout, this home is full of character and opportunity. The main level includes a kitchen with breakfast area, formal dining space, and two living areas, one of which features a sunken den perfect for relaxing or hosting. Handcrafted original doors, wood floors, wainscoting in the hallway, and vintage charm carry throughout the home. A Jack-and-Jill bathroom connects additional bedrooms, and a breezeway adds flexibility between the breakfast nook and secondary bedroom wing. The primary suite includes a garden tub, separate shower, and wood flooring, while another en-suite bed and bath just past the den provides ideal guest accommodations. The pantry and dedicated laundry room offer convenience and storage. Downstairs, you'll find a finished basement with a wet bar, half bath, and extra space for a man cave, gym, or storage. A sliding door opens to a small concrete patio, and the home includes a crawl space with sump pump for added functionality. Exterior highlights include: an extended driveway, carport with adjacent storage, lower parking pad, gas-burning lamp posts, and a built-in party bench to enjoy the peaceful setting. Additional features include: a 4-point security camera system, a tennis court, basketball court and potential for cosmetic upgrades throughout, making this a strong remodel candidate with room to build equity. This one has all the bones—schedule your showing today and bring your vision to life!

8. 2025-10-28
   status Back On Market
9. 2025-08-07
   status Under Contract
10. 2025-08-04
    status Pending 1720-char remark

    Show marketing remark (1720 chars)

    This spacious home in a quiet Toccoa neighborhood offers the perfect canvas for your next renovation project—whether you're an investor seeking value-add potential or a homeowner ready to personalize your space. With a unique floor plan, classic details, and functional layout, this home is full of character and opportunity. The main level includes a kitchen with breakfast area, formal dining space, and two living areas, one of which features a sunken den perfect for relaxing or hosting. Handcrafted original doors, wood floors, wainscoting in the hallway, and vintage charm carry throughout the home. A Jack-and-Jill bathroom connects additional bedrooms, and a breezeway adds flexibility between the breakfast nook and secondary bedroom wing. The primary suite includes a garden tub, separate shower, and wood flooring, while another en-suite bed and bath just past the den provides ideal guest accommodations. The pantry and dedicated laundry room offer convenience and storage. Downstairs, you'll find a finished basement with a wet bar, half bath, and extra space for a man cave, gym, or storage. A sliding door opens to a small concrete patio, and the home includes a crawl space with sump pump for added functionality. Exterior highlights include: an extended driveway, carport with adjacent storage, lower parking pad, gas-burning lamp posts, and a built-in party bench to enjoy the peaceful setting. Additional features include: a 4-point security camera system, a tennis court, basketball court and potential for cosmetic upgrades throughout, making this a strong remodel candidate with room to build equity. This one has all the bones—schedule your showing today and bring your vision to life!

11. 2025-08-01
    historical 1720-char remark

    Show marketing remark (1720 chars)

    This spacious home in a quiet Toccoa neighborhood offers the perfect canvas for your next renovation project—whether you're an investor seeking value-add potential or a homeowner ready to personalize your space. With a unique floor plan, classic details, and functional layout, this home is full of character and opportunity. The main level includes a kitchen with breakfast area, formal dining space, and two living areas, one of which features a sunken den perfect for relaxing or hosting. Handcrafted original doors, wood floors, wainscoting in the hallway, and vintage charm carry throughout the home. A Jack-and-Jill bathroom connects additional bedrooms, and a breezeway adds flexibility between the breakfast nook and secondary bedroom wing. The primary suite includes a garden tub, separate shower, and wood flooring, while another en-suite bed and bath just past the den provides ideal guest accommodations. The pantry and dedicated laundry room offer convenience and storage. Downstairs, you'll find a finished basement with a wet bar, half bath, and extra space for a man cave, gym, or storage. A sliding door opens to a small concrete patio, and the home includes a crawl space with sump pump for added functionality. Exterior highlights include: an extended driveway, carport with adjacent storage, lower parking pad, gas-burning lamp posts, and a built-in party bench to enjoy the peaceful setting. Additional features include: a 4-point security camera system, a tennis court, basketball court and potential for cosmetic upgrades throughout, making this a strong remodel candidate with room to build equity. This one has all the bones—schedule your showing today and bring your vision to life!

12. 2025-07-31
    historical
13. 2025-07-22
    price $249,999 1720-char remark

    Show marketing remark (1720 chars)

    This spacious home in a quiet Toccoa neighborhood offers the perfect canvas for your next renovation project—whether you're an investor seeking value-add potential or a homeowner ready to personalize your space. With a unique floor plan, classic details, and functional layout, this home is full of character and opportunity. The main level includes a kitchen with breakfast area, formal dining space, and two living areas, one of which features a sunken den perfect for relaxing or hosting. Handcrafted original doors, wood floors, wainscoting in the hallway, and vintage charm carry throughout the home. A Jack-and-Jill bathroom connects additional bedrooms, and a breezeway adds flexibility between the breakfast nook and secondary bedroom wing. The primary suite includes a garden tub, separate shower, and wood flooring, while another en-suite bed and bath just past the den provides ideal guest accommodations. The pantry and dedicated laundry room offer convenience and storage. Downstairs, you'll find a finished basement with a wet bar, half bath, and extra space for a man cave, gym, or storage. A sliding door opens to a small concrete patio, and the home includes a crawl space with sump pump for added functionality. Exterior highlights include: an extended driveway, carport with adjacent storage, lower parking pad, gas-burning lamp posts, and a built-in party bench to enjoy the peaceful setting. Additional features include: a 4-point security camera system, a tennis court, basketball court and potential for cosmetic upgrades throughout, making this a strong remodel candidate with room to build equity. This one has all the bones—schedule your showing today and bring your vision to life!

14. 2025-07-22
    price $249,999

    Show marketing remark (1720 chars)

    This spacious home in a quiet Toccoa neighborhood offers the perfect canvas for your next renovation project—whether you're an investor seeking value-add potential or a homeowner ready to personalize your space. With a unique floor plan, classic details, and functional layout, this home is full of character and opportunity. The main level includes a kitchen with breakfast area, formal dining space, and two living areas, one of which features a sunken den perfect for relaxing or hosting. Handcrafted original doors, wood floors, wainscoting in the hallway, and vintage charm carry throughout the home. A Jack-and-Jill bathroom connects additional bedrooms, and a breezeway adds flexibility between the breakfast nook and secondary bedroom wing. The primary suite includes a garden tub, separate shower, and wood flooring, while another en-suite bed and bath just past the den provides ideal guest accommodations. The pantry and dedicated laundry room offer convenience and storage. Downstairs, you'll find a finished basement with a wet bar, half bath, and extra space for a man cave, gym, or storage. A sliding door opens to a small concrete patio, and the home includes a crawl space with sump pump for added functionality. Exterior highlights include: an extended driveway, carport with adjacent storage, lower parking pad, gas-burning lamp posts, and a built-in party bench to enjoy the peaceful setting. Additional features include: a 4-point security camera system, a tennis court, basketball court and potential for cosmetic upgrades throughout, making this a strong remodel candidate with room to build equity. This one has all the bones—schedule your showing today and bring your vision to life!

15. 2025-06-24
    price $299,999

    Show marketing remark (1720 chars)

    This spacious home in a quiet Toccoa neighborhood offers the perfect canvas for your next renovation project—whether you're an investor seeking value-add potential or a homeowner ready to personalize your space. With a unique floor plan, classic details, and functional layout, this home is full of character and opportunity. The main level includes a kitchen with breakfast area, formal dining space, and two living areas, one of which features a sunken den perfect for relaxing or hosting. Handcrafted original doors, wood floors, wainscoting in the hallway, and vintage charm carry throughout the home. A Jack-and-Jill bathroom connects additional bedrooms, and a breezeway adds flexibility between the breakfast nook and secondary bedroom wing. The primary suite includes a garden tub, separate shower, and wood flooring, while another en-suite bed and bath just past the den provides ideal guest accommodations. The pantry and dedicated laundry room offer convenience and storage. Downstairs, you'll find a finished basement with a wet bar, half bath, and extra space for a man cave, gym, or storage. A sliding door opens to a small concrete patio, and the home includes a crawl space with sump pump for added functionality. Exterior highlights include: an extended driveway, carport with adjacent storage, lower parking pad, gas-burning lamp posts, and a built-in party bench to enjoy the peaceful setting. Additional features include: a 4-point security camera system, a tennis court, basketball court and potential for cosmetic upgrades throughout, making this a strong remodel candidate with room to build equity. This one has all the bones—schedule your showing today and bring your vision to life!

16. 2025-06-24
    price $299,999 1720-char remark

    Show marketing remark (1720 chars)

    This spacious home in a quiet Toccoa neighborhood offers the perfect canvas for your next renovation project—whether you're an investor seeking value-add potential or a homeowner ready to personalize your space. With a unique floor plan, classic details, and functional layout, this home is full of character and opportunity. The main level includes a kitchen with breakfast area, formal dining space, and two living areas, one of which features a sunken den perfect for relaxing or hosting. Handcrafted original doors, wood floors, wainscoting in the hallway, and vintage charm carry throughout the home. A Jack-and-Jill bathroom connects additional bedrooms, and a breezeway adds flexibility between the breakfast nook and secondary bedroom wing. The primary suite includes a garden tub, separate shower, and wood flooring, while another en-suite bed and bath just past the den provides ideal guest accommodations. The pantry and dedicated laundry room offer convenience and storage. Downstairs, you'll find a finished basement with a wet bar, half bath, and extra space for a man cave, gym, or storage. A sliding door opens to a small concrete patio, and the home includes a crawl space with sump pump for added functionality. Exterior highlights include: an extended driveway, carport with adjacent storage, lower parking pad, gas-burning lamp posts, and a built-in party bench to enjoy the peaceful setting. Additional features include: a 4-point security camera system, a tennis court, basketball court and potential for cosmetic upgrades throughout, making this a strong remodel candidate with room to build equity. This one has all the bones—schedule your showing today and bring your vision to life!

17. 2025-05-27
    listed $324,999 New

    Show marketing remark (1720 chars)

    This spacious home in a quiet Toccoa neighborhood offers the perfect canvas for your next renovation project—whether you're an investor seeking value-add potential or a homeowner ready to personalize your space. With a unique floor plan, classic details, and functional layout, this home is full of character and opportunity. The main level includes a kitchen with breakfast area, formal dining space, and two living areas, one of which features a sunken den perfect for relaxing or hosting. Handcrafted original doors, wood floors, wainscoting in the hallway, and vintage charm carry throughout the home. A Jack-and-Jill bathroom connects additional bedrooms, and a breezeway adds flexibility between the breakfast nook and secondary bedroom wing. The primary suite includes a garden tub, separate shower, and wood flooring, while another en-suite bed and bath just past the den provides ideal guest accommodations. The pantry and dedicated laundry room offer convenience and storage. Downstairs, you'll find a finished basement with a wet bar, half bath, and extra space for a man cave, gym, or storage. A sliding door opens to a small concrete patio, and the home includes a crawl space with sump pump for added functionality. Exterior highlights include: an extended driveway, carport with adjacent storage, lower parking pad, gas-burning lamp posts, and a built-in party bench to enjoy the peaceful setting. Additional features include: a 4-point security camera system, a tennis court, basketball court and potential for cosmetic upgrades throughout, making this a strong remodel candidate with room to build equity. This one has all the bones—schedule your showing today and bring your vision to life!

18. 2025-05-27
    listed $324,999 Active 1720-char remark

    Show marketing remark (1720 chars)

    This spacious home in a quiet Toccoa neighborhood offers the perfect canvas for your next renovation project—whether you're an investor seeking value-add potential or a homeowner ready to personalize your space. With a unique floor plan, classic details, and functional layout, this home is full of character and opportunity. The main level includes a kitchen with breakfast area, formal dining space, and two living areas, one of which features a sunken den perfect for relaxing or hosting. Handcrafted original doors, wood floors, wainscoting in the hallway, and vintage charm carry throughout the home. A Jack-and-Jill bathroom connects additional bedrooms, and a breezeway adds flexibility between the breakfast nook and secondary bedroom wing. The primary suite includes a garden tub, separate shower, and wood flooring, while another en-suite bed and bath just past the den provides ideal guest accommodations. The pantry and dedicated laundry room offer convenience and storage. Downstairs, you'll find a finished basement with a wet bar, half bath, and extra space for a man cave, gym, or storage. A sliding door opens to a small concrete patio, and the home includes a crawl space with sump pump for added functionality. Exterior highlights include: an extended driveway, carport with adjacent storage, lower parking pad, gas-burning lamp posts, and a built-in party bench to enjoy the peaceful setting. Additional features include: a 4-point security camera system, a tennis court, basketball court and potential for cosmetic upgrades throughout, making this a strong remodel candidate with room to build equity. This one has all the bones—schedule your showing today and bring your vision to life!

ⓘ 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: $3,512 · $293/mo
• Projected year-2 tax: $3,512 · $293/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ 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 2/10 Low
• 🌡 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: $20,547
• − Mortgage interest: −$12,318
• − Property taxes: −$3,512
• − Insurance: −$1,100
• − Repairs & maintenance: −$1,644
• − Management: −$1,644
• − Depreciation: −$6,397
• Taxable loss: −$6,067
• Est. tax savings @ 24.0%: +$1,456
• After-tax cash flow: $-761/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

-32.3% since first listed

18 events — show timeline

• 2025-12-25 Pending — GAMLS
• 2025-12-25 Pending — CBOR
• 2025-12-09 Relisted — CBOR
• 2025-12-09 Price Changed $219,900 CBOR
• 2025-12-09 Price Changed $219,900 GAMLS
• 2025-11-01 Delisted — CBOR
• 2025-10-29 Relisted — CBOR
• 2025-10-28 Relisted — GAMLS
• 2025-08-07 Pending — GAMLS
• 2025-08-04 Pending — CBOR
• 2025-08-01 Delisted — CBOR
• 2025-07-31 Listing Removed — GAMLS
• 2025-07-22 Price Changed $249,999 CBOR
• 2025-07-22 Price Changed $249,999 GAMLS
• 2025-06-24 Price Changed $299,999 GAMLS
• 2025-06-24 Price Changed $299,999 CBOR
• 2025-05-27 Listed $324,999 CBOR
• 2025-05-27 Listed $324,999 GAMLS

Property tax history

+2.6%/yr

Latest (2025): $3,512 · +15.7% YoY. Source: county tax records.