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173 Cedar Dr, Toccoa, GA, 30577

5beds
3baths
2,490sqft
$265,000
$106price/sqft
$2,013/moest. monthly cost
$80,520/yrincome needed

About This Home

Privacy, acreage, and potential just minutes from town! Tucked away on 8 acres and the only home on the cul-de-sac, this spacious property offers a rare combination of seclusion, convenience, and room to create something truly special. The main level features three bedrooms and two baths, a spacious living area, kitchen with adjoining breakfast nook, separate dining area, and an oversized laundry room with utility sink. The full lower level dramatically expands the possibilities with a large recreation room, additional finished rooms, a bath, abundant utility and storage space, and plenty of flexibility for a workshop, home office, hobbies, or future living space. Outside, the property continues to impress with a 30x41 Quonset-style shop with power and a 10x20 utility building. The home needs updating, making it an ideal opportunity for buyers ready to renovate and personalize a substantial home on hard-to-find acreage. A new roof provides a great start to the transformation. With 8 acres, multiple outbuildings, generous square footage, privacy, and a convenient location near Toccoa, this property is packed with potential. Bring your vision and discover just how much this one has to offer!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

--
Big A Elementary SchoolGrades PK-K1.9 mi
5/10
5/10

Construction

Condition

  • Property condition: Resale
  • Year built: 1985

Materials

  • Foundation: Block
  • Roof: Composition
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Country/Rustic,Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Electric Water Heater,Oven/Range (Combo)
  • Laundry features: Other

Basement

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

Bedrooms & Bathrooms

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

Dining Room

  • Features: Separate Room

Features

  • Double Vanity,Master On Main Level,Tile Bath
  • Flooring: Carpet,Laminate,Tile,Vinyl
  • Finished area below ground: 1,000
  • Finished area above ground: 1,490
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 2,490
  • Total interior livable area: 2,490 sqft

Kitchen

  • Features: Breakfast Area

Property

Details

  • Parcel number: 042D 065
  • Special condition: Estate Owned

Features

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

Lot

  • Lot size: 8.01 Acres
  • Features: Cul-De-Sac,Private

Parking

  • Parking features: Attached,Garage,Kitchen Level
  • 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

  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Lightning
Cold Wave
Hail
Ice Storm
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 $1,339$16,068
Home Insurance *$176$2,112
Property Taxes $257$3,084
Electricity $241$2,903
Total$2,013$24,156
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$69,017/yr
40% on housing$60,390/yr
45% on housing$53,680/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

$106This listing

vs Other Active Listings

Avg $/sqft

ZIP 30577$137
Stephens County$141

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)

No zestimate history available

Price History

DateEventPrice
2026-08-13Pending sale$265,000
2026-07-08Listed for sale$265,000

For Sale by Agent

AgentJoann Nunnery
BrokerageHammock Realty North Georgia

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