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2688 Nub Garland Rd, Toccoa, GA, 30577

11beds
10baths
7,063sqft
$449,900
$64price/sqft
$4,087/moest. monthly cost
$163,480/yrincome needed

About This Home

Seller says it's time to retire-creating a rare opportunity to own a well-established personal care home. This impressive property offers 7,063 square feet of finished space, all priced below wholesale value and situated on 2.68 acres. The care facility includes 7 personal care rooms with 7 private bathrooms, designed for comfort and functionality. A separate residential living area features 4 bedrooms and 2 full baths, ideal for owner occupancy, on-site management, or staff accommodations. Ample space, versatile layout, and serene surroundings make this an exceptional investment opportunity. Properties of this size and use are rarely available-schedule your showing today!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
14
BikeSomewhat Bikeable

Schools

--
4/10
5/10

Construction

Condition

  • Property condition: Resale
  • Year built: 2003

Materials

  • Roof: Composition
  • Construction materials: Brick,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Convection Oven,Cooktop,Dishwasher,Microwave,Oven/Range (Combo)
  • Laundry features: Other

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 11
  • Bathrooms: 10
  • Full bathrooms: 9
  • 1/2 bathrooms: 1
  • Main level bathrooms: 9
  • Main level bedrooms: 11

Features

  • Double Vanity,Master On Main Level,Other,Walk-In Closet(s)
  • Flooring: Carpet,Laminate
  • Finished area below ground: 0
  • Finished area above ground: 7,063

Heating & Cooling

  • Heating features: Central
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 7,063
  • Total interior livable area: 7,063 sqft

Property

Details

  • Parcel number: 023 160

Features

  • Levels: One
  • Stories: 1

Lot

  • Lot size: 2.68 Acres
  • Features: Level

Parking

  • Parking features: Carport
  • Carport: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hail
    HailRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Hail
Ice Storm
Lightning
Cold Wave
Inland Flooding
Strong Wind
Tornado

FEMA Declared Disasters Across Georgia Counties

Flood
Hurricane
Severe Storm
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,274$27,288
Home Insurance *$299$3,588
Property Taxes $828$9,936
Electricity $686$8,234
Total$4,087$49,044
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$140,125/yr
40% on housing$122,610/yr
45% on housing$108,986/yr

Georgia FAIR Plan Programs

Georgia Underwriting Association

Covered
WildfireWildfire
Add-on available
WindWind
Visit Website →

Georgia Underwriting Association - Coastal

Covered
HailHail
WindWind
Visit Website →
Current Policies
Residential: 8,778Commercial: 638
Total Premiums$16.25M
Total Exposure$2.20B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 7.8%
7.8%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -1.1%
-1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$64This listing

vs Other Active Listings

Avg $/sqft

ZIP 30577$138
Stephens County$141

vs Homes Sold Last Month

Median $/sqft

ZIP 30577$154
Stephens County$152

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-02-02Listed for sale$599,000

For Sale by Agent

AgentJames Allison
BrokerageLeading Edge Real Estate LLC

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