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148 Moreland Dr, Toccoa, GA, 30577

3beds
2baths
1,480sqft
$274,900
$186price/sqft
$1,953/moest. monthly cost
$78,120/yrincome needed

About This Home

Quaint 3 bed, 2 bath brick home located just off Tugalo Street in downtown Toccoa! This spacious residence features a large kitchen, main-level master suite, and basement. Enjoy the convenience of downtown living with the added bonus of exterior buildings for extra storage or workspace. Don't miss this great opportunity!

Getting Around

8
WalkingCar-Dependent
0
TransitVery Limited Transit
10
BikeSomewhat Bikeable

Schools

4/10
Toccoa Elementary SchoolGrades 2-41.1 mi
4/10
5/10

Construction

Condition

  • Property condition: Resale
  • Year built: 1956

Materials

  • Roof: Composition
  • Construction materials: Brick

Type & Style

  • Home type: SingleFamily
  • Architectural style: Brick 4 Side
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Other
  • Laundry features: Mud Room

Basement

  • Has basement: Yes
  • Basement: Exterior Entry,Unfinished

Bedrooms & Bathrooms

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

Features

  • Master On Main Level
  • Flooring: Carpet,Hardwood,Laminate
  • Finished area below ground: 0
  • Finished area above ground: 1,480

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,480
  • Total interior livable area: 1,480 sqft

Property

Details

  • Parcel number: T34 057

Features

  • Levels: One
  • Stories: 1

Lot

  • Lot size: 1.20 Acres
  • Features: Open Lot

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

  • 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 $1,390$16,680
Home Insurance *$182$2,184
Property Taxes $162$1,944
Electricity $219$2,637
Total$1,953$23,436
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$66,960/yr
40% on housing$58,590/yr
45% on housing$52,080/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

$186This listing

vs Other Active Listings

Avg $/sqft

ZIP 30577$136
Stephens County$140

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
2026-05-06Listed for sale$274,900
2026-05-06Listing removed$274,900
2026-04-10Price change$274,900
2025-10-16Listed for sale$279,900
2025-09-16Listing removed$289,900
2025-07-31Listed for sale$289,900
2022-04-30Sold$236,000
2022-03-06Pending sale$259,900
2022-02-10Listed for sale$259,900
2020-07-13Sold$139,900
2020-03-11Sold$70,000
2011-06-27Sold$69,000

For Sale by Agent

AgentThe Ward Team
BrokerageWard Properties of North GA

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