694 Lovers Ln, Toccoa, GA, 30577
About This Home
"AGGRESSIVE SELLER!!" Beautifully Updated Home Near Downtown Toccoa & Toccoa Falls College! Welcome to this charming and move-in ready home ideally located just minutes from the downtown city of Toccoa and Toccoa Falls College. This inviting property offers a perfect blend of comfort, style, and convenience. Step inside to find a spacious layout featuring a warm and welcoming living area with a cozy fireplace-perfect for relaxing evenings at home. The home showcases updated flooring, neutral tones, and abundant natural light throughout, creating a bright and airy feel. The kitchen and dining area provide a functional and open space ideal for everyday living and entertaining. Bedrooms are generously sized, offering comfort and flexibility for family, guests, or a home office. Enjoy the outdoors from your property, with room to relax, garden, or entertain. Whether you're a first-time buyer, downsizing, or looking for an investment opportunity, this home checks all the boxes. Conveniently located near shopping, dining, schools, and just a short drive to downtown Toccoa and Toccoa Falls College-this is one you don't want to miss!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 1989
Materials
- Roof: Composition
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Cape Cod
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Gas Water Heater,Oven/Range (Combo),Refrigerator
- Laundry features: In Hall
Basement
- Has basement: Yes
- Basement: Bath/Stubbed,Concrete,Exterior Entry,Finished,Interior Entry,Partial,Unfinished
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 2
- Main level bathrooms: 1
- Main level bedrooms: 1
Dining Room
- Features: Dining Rm/Living Rm Combo
Features
- Master On Main Level
- Flooring: Carpet,Tile
- Number of fireplaces: 1
- Fireplace features: Family Room,Gas Log,Gas Starter,Living Room
- Fireplace: Yes
- Finished area below ground: 910
- Finished area above ground: 2,041
Heating & Cooling
- Heating features: Central,Natural Gas
- Cooling features: Ceiling Fan(s),Central Air
Interior Area
- Total structure area: 2,951
- Total interior livable area: 2,951 sqft
Kitchen
- Features: Breakfast Area,Kitchen Island
Property
Details
- Parcel number: T32 019
- Special condition: As Is
Features
- Levels: Two
- Stories: 2
- Patio & porch: Deck,Porch
- Fencing: Back Yard,Chain Link
- On waterfront: Yes
- Waterfront features: Creek
Lot
- Lot size: 0.63 Acres
- Features: Other
Parking
- Total spaces: 2
- Parking features: Garage
- Has garage: 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
- Lightning
- Tornado
- Cold Wave
- Hail
- Inland Flooding
- Strong Wind
How This Home’s Risks Compare
FEMA Declared Disasters Across Georgia Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,516 | $18,192 |
| Home Insurance * | $199 | $2,388 |
| Property Taxes | $177 | $2,124 |
| Electricity | $286 | $3,440 |
| Total | $2,178 | $26,136 |
Income You'd Need if You Spent...
Georgia FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-23 | Price change | $349,900 |
| 2026-04-07 | Price change | $369,000 |
| 2026-03-24 | Price change | $389,000 |
| 2026-03-10 | Listed for sale | $399,000 |
| 2022-09-02 | Sold | $239,000 |
| 2022-08-10 | Pending sale | $239,000 |
| 2022-08-08 | Listed for sale | $239,000 |
| 2022-08-05 | Pending sale | $239,000 |
| 2022-08-01 | Price change | $239,000 |
| 2022-07-26 | Price change | $249,000 |
| 2022-07-20 | Price change | $259,000 |
| 2022-07-13 | Price change | $264,900 |
| 2022-07-01 | Price change | $268,900 |
| 2022-06-13 | Price change | $275,000 |
| 2022-06-03 | Price change | $282,000 |
| 2022-05-26 | Price change | $289,000 |
| 2022-05-21 | Price change | $299,000 |
| 2022-05-17 | Listed for sale | $319,000 |
| 2016-05-18 | Sold | $126,500 |
| 2016-04-26 | Pending sale | $138,500 |
| 2016-04-14 | Price change | $138,500 |
| 2016-03-28 | Price change | $135,500 |
| 2015-12-02 | Listed for sale | $145,000 |
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