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13 Brown St, Toccoa, GA, 30577

4beds
2baths
2,071sqft
$299,900
$145price/sqft
$2,111/moest. monthly cost
$84,440/yrincome needed

About This Home

Welcome to the home you've been waiting for! Nestled in one of Toccoa's most established and desirable neighborhoods, this beautifully renovated 4-bedroom, 2-bath brick ranch offers over 2,000 square feet of thoughtfully updated living space where timeless character meets modern style. From the moment you step inside, you'll appreciate the attention to detail. Original hardwood floors have been beautifully restored, while the completely redesigned kitchen features gorgeous white stone countertops, custom cabinetry, and brand-new stainless steel appliances. Both bathrooms have been tastefully renovated with high-end finishes, creating a fresh, clean, and luxurious feel throughout. Nearly every inch of this home has been updated, including lighting, plumbing fixtures, interior doors, and so much more-allowing you to enjoy the charm of a classic brick home without the worries of major renovations. A cozy wood-burning fireplace anchors the living space, while the spacious floor plan offers room for family, entertaining, or working from home. Outside, you'll find a large, level yard with plenty of space to relax, entertain, or play. Conveniently located just minutes from shopping, dining, schools, and everything Toccoa has to offer, this move-in-ready home truly checks all the boxes. Homes with this level of renovation, space, and location don't come along often. Schedule your private showing today and see why 13 Brown Street feels like home.

Getting Around

9
WalkingCar-Dependent
0
TransitVery Limited Transit
10
BikeSomewhat Bikeable

Schools

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

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1969

Materials

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

Type & Style

  • Home type: SingleFamily
  • Architectural style: Brick/Frame,Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Electric Water Heater,Ice Maker,Oven/Range (Combo),Refrigerator,Stainless Steel Appliance(s)
  • Laundry features: Mud Room

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 4

Features

  • Master On Main Level,Tile Bath,Walk-In Closet(s)
  • Flooring: Hardwood
  • Number of fireplaces: 1
  • Fireplace features: Living Room,Masonry
  • Fireplace: Yes
  • Attic: Pull Down Stairs
  • Finished area below ground: 0
  • Finished area above ground: 2,071

Heating & Cooling

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

Interior Area

  • Total structure area: 2,071
  • Total interior livable area: 2,071 sqft

Kitchen

  • Features: Country Kitchen

Property

Details

  • Parcel number: T25 069

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Porch
  • Residential vegetation: Grassed

Lot

  • Lot size: 0.29 Acres
  • Features: Corner Lot

Parking

  • Total spaces: 2
  • Parking features: Attached,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 $1,516$18,192
Home Insurance *$199$2,388
Property Taxes $177$2,124
Electricity $219$2,637
Total$2,111$25,332
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$72,377/yr
40% on housing$63,330/yr
45% on housing$56,293/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

$145This 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
2026-08-11Price change$295,000
2026-08-03Price change$299,000
2026-08-03Price change$299,900
2026-07-30Price change$325,000
2026-07-29Price change$299,000
2026-07-15Price change$325,000
2026-06-25Listed for sale$339,000
2025-12-18Sold$81,161

For Sale by Agent

AgentSusan H Ayers
BrokerageClickit Realty Inc.

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