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760 E Tugalo St, Toccoa, GA, 30577

5beds
3baths
3,396sqft
$688,000
$203price/sqft
$4,671/moest. monthly cost
$186,840/yrincome needed

About This Home

This is a must-see Tugalo Street dream home where timeless character meets thoughtful modern updates. Carefully renovated with the home's original integrity in mind, it offers the charm of a classic Craftsman. The main level features soaring 10-foot ceilings, stunning white oak hardwood floors, and abundant natural light. A beautifully appointed living room with a fireplace, recessed lighting, and plantation shutters flows seamlessly into a cozy sitting room that opens to a screened porch with copper screening, perfect for relaxing or entertaining. The fully renovated kitchen is a showstopper, featuring custom cabinetry, solid surface quartz countertops, a commercial-grade gas oven/stove combo with vent hood, updated stainless steel appliances, and a charming breakfast nook perfect for casual dining or morning coffee. The owner's suite is conveniently located on the main level and features a walk-in tile shower. An additional bedroom on the main level offers flexibility for guests with it's own full bath. The laundry room is truly exceptional, complete with built-in cabinetry, sink, and folding island. Upstairs, you'll find spacious secondary bedrooms, a full bath, a bonus room, and a charming loft/office overlooking the front yard-ideal for a reading nook, study, or workspace. This four-sided brick Craftsman also includes major upgrades such as a newer roof, tankless water heater, and whole-house humidifier, while preserving original doors and hardware for added character. The property offers excellent access and curb appeal with a unique portico and a driveway featuring two entrances, allowing you to conveniently drive through for easy entry and exit. Step outside to enjoy thoughtfully designed outdoor living with a grilling area, fire pit, greenhouse, and screened porch for year-round enjoyment. A newly constructed carriage house, built to match the home's architecture, features swing doors and a convenient elevator lift to the attic, an incredibly rare and functional addition. A true standout property blending historic charm, quality craftsmanship, and modern conveniences, this rare find won't last long. Schedule your private showing today.

Getting Around

34
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

4/10
Toccoa Elementary SchoolGrades 2-40.6 mi
4/10
5/10

Construction

Condition

  • Property condition: Resale
  • Year built: 1928

Materials

  • Foundation: Block
  • Roof: Composition
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Gas Water Heater,Microwave,Oven/Range (Combo),Refrigerator,Stainless Steel Appliance(s),Tankless Water Heater
  • Laundry features: Mud Room

Basement

  • Has basement: Yes
  • Basement: Crawl Space,Exterior Entry,Interior Entry

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 2
  • Main level bedrooms: 2

Dining Room

  • Features: Seats 12+,Separate Room

Features

  • Bookcases,Double Vanity,High Ceilings,Master On Main Level,Separate Shower,Tile Bath
  • Window features: Window Treatments
  • Flooring: Hardwood
  • Number of fireplaces: 1
  • Fireplace features: Family Room,Masonry
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 3,396

Heating & Cooling

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

Interior Area

  • Total structure area: 3,396
  • Total interior livable area: 3,396 sqft

Kitchen

  • Features: Breakfast Area,Solid Surface Counters

Property

Details

  • Parcel number: T26 039

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Porch,Screened

Lot

  • Lot size: 0.58 Acres
  • Features: Level

Parking

  • Parking features: Attached,Detached,Garage Door Opener,Kitchen Level,Parking Pad,Side/Rear Entrance
  • Has garage: Yes
  • Has uncovered spaces: 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

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

How This Home’s Risks Compare

Ice Storm
Lightning
Tornado
Cold Wave
Hail
Inland Flooding
Strong Wind

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 $3,478$41,736
Home Insurance *$457$5,484
Property Taxes $407$4,884
Electricity $329$3,959
Total$4,671$56,052
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$160,148/yr
40% on housing$140,130/yr
45% on housing$124,560/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

$203This listing

vs Other Active Listings

Avg $/sqft

ZIP 30577$134
Stephens County$139

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
2026-05-07Listed for sale$785,000
2022-01-26Sold$413,000
2021-11-22Pending sale$429,000
2021-10-01Listed for sale$429,000
2019-11-18Sold$332,500
2019-10-17Pending sale$354,900
2019-09-27Listed for sale$354,900
2009-09-11Sold$265,000

For Sale by Agent

AgentStephen P Caudell
BrokerageHammock Realty North Georgia

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