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371 Shorewood Cir, Toccoa, GA, 30577

4beds
4baths
3,503sqft
$590,000
$168price/sqft
$4,753/moest. monthly cost
$190,120/yrincome needed

About This Home

Curated over time to accommodate family and guests alike, this spacious Lake Hartwell home offers the perfect blend of comfort, functionality, and breathtaking waterfront views. From the welcoming foyer entry to the soaring ceilings found across all three levels, the home was thoughtfully designed for everyday living and memorable gatherings at the lake. The main level features a warm and inviting layout with a formal living room, dining room with pass-through to the kitchen, and a spacious kitchen that opens seamlessly into the breakfast area and family room. The kitchen is equipped with solid surface countertops, making it both stylish and practical for entertaining. The impressive great room showcases vaulted ceilings, a wood-burning fireplace, and expansive lake views that continue throughout almost every room in the home. Also on the main floor are a guest bedroom, full bathroom, laundry room, private office, and a comfortable owner's suite complete with its own full bath. Upstairs, you'll find two additional bedrooms and a full bathroom, providing excellent space for family and overnight guests. With a total of four bedrooms, four full bathrooms, and a possible fifth bedroom or flex space, there is room for everyone to enjoy lake living. Outdoor spaces are equally impressive with a 40-foot screened porch designed for relaxing and taking in the peaceful waterfront setting. The wide lot and close Corp line create a private atmosphere rarely found on the lake. Enjoy a covered slip dock situated on great water, where the dock normally rests in approximately 10 feet of water - ideal for swimming, boating, and year-round lake enjoyment. The concrete driveway provides parking access on multiple levels, and the oversized 27x22 two-car garage offers excellent storage for lake toys and vehicles. Additional highlights include: * Covered slip dock on great water * 2018 water heater * Outbuilding * Wood-burning fireplace * High ceilings throughout three floors * Normally approximately 10 feet of water at the dock * Nearly every room enjoys a view of Lake Hartwell. Experience the beauty of lakefront living in a home that has been lovingly expanded and enjoyed through the years - a true Lake Hartwell retreat designed for making memories.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
7
BikeSomewhat Bikeable

Schools

--
Big A Elementary SchoolGrades PK-K7.4 mi
4/10
5/10

Construction

Condition

  • Property condition: Resale
  • Year built: 1988

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Oven/Range (Combo),Refrigerator
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Daylight,Exterior Entry,Finished,Interior Entry,Partial

Bedrooms & Bathrooms

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

Dining Room

  • Features: Separate Room

Features

  • Beamed Ceilings,Separate Shower,Soaking Tub,Tile Bath,Walk-In Closet(s)
  • Flooring: Carpet,Hardwood,Tile,Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area below ground: 900
  • Finished area above ground: 2,603

Heating & Cooling

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

Interior Area

  • Total structure area: 3,503
  • Total interior livable area: 3,503 sqft

Kitchen

  • Features: Country Kitchen,Solid Surface Counters,Walk-in Pantry

Property

Details

  • Parcel number: 063E 046

Features

  • Levels: Three Or More
  • Stories: 3
  • Patio & porch: Deck,Patio,Porch,Screened
  • Exterior features: Dock
  • Has spa: Yes
  • Spa features: Bath
  • Has view: Yes
  • View description: Lake
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Corps of Engineers Control,Deep Water Access,Dock Rights,Floating Dock,Lake,Lake Privileges
  • Waterbody name: Lake Hartwell
  • Frontage type: Lakefront

Lot

  • Lot size: 0.47 Acres
  • Features: Sloped

Parking

  • Parking features: Attached,Garage,Parking Pad
  • 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

  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Hail
Inland Flooding
Ice Storm
Lightning
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 $2,983$35,796
Home Insurance *$392$4,704
Property Taxes $1,038$12,456
Electricity $340$4,084
Total$4,753$57,036
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$162,960/yr
40% on housing$142,590/yr
45% on housing$126,746/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

$168This listing

vs Other Active Listings

Avg $/sqft

ZIP 30577$135
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
2026-05-08Listed for sale$600,000

For Sale by Agent

AgentBradley Sanders
BrokerageHammock Realty North Georgia

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