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773 Shorewood Cir, Toccoa, GA, 30577

5beds
2baths
2,048sqft
$364,999
$178price/sqft
$2,521/moest. monthly cost
$100,840/yrincome needed

About This Home

Welcome to your Lake Hartwell retreat in beautiful Shorewood Estates! This 5-bedroom, 2-bath cabin sits on a private wooded lot with private dock, and a path leading directly to the water. Enjoy 2,048 sq. ft. of living space featuring vaulted ceilings, Enjoy Natural wood finishes, hardwood and tile flooring, along with large windows that bring warmth and character throughout, and a spacious great room with large open windows, perfect for gathering. The kitchen offers ample counter space and a full appliance package. Five bedrooms provide room for family and guests, plus a partially finished basement with endless potential for future living area, rec room, or storage. Outside, the full front and side decks create the ideal spot for entertaining or relaxing with lake views. Enjoy a convenient pull-through driveway with parking for multiple vehicles, boats, or trailers. Perfect as a primary residence, vacation home, or investment property. Bring your boat or just walk down to your private dock and enjoy sitting by the water or fishing. Bring your vision, and start living the lake life today.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

--
Big A Elementary SchoolGrades PK-K7.7 mi
4/10
5/10

Construction

Condition

  • Property condition: Resale
  • Year built: 1974

Materials

  • Roof: Shingle
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cabin
  • Property subType: Single Family Residence,Residential,Cabin

Interior

Appliances

  • Appliances included: Dishwasher,Electric Cooktop,Electric Oven,Microwave
  • Laundry features: Common Area

Basement

  • Has basement: Yes
  • Basement: Daylight,Exterior Entry,Partial,Unfinished,Walk-Out Access

Bedroom

  • Features: Master on Main, Oversized Master

Bedrooms & Bathrooms

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

Dining Room

  • Features: None

Features

  • High Ceilings 10 ft Main,Vaulted Ceiling(s)
  • Window features: None
  • Flooring: Hardwood
  • Fireplace features: None
  • Finished area below ground: 480
  • Finished area above ground: 2,048
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,048
  • Total interior livable area: 2,048 sqft

Kitchen

  • Features: Breakfast Bar, Country Kitchen, Eat-in Kitchen, View to Family Room

Master Bathroom

  • Features: Double Vanity, Shower Only

Master Bedroom

  • Features: Master on Main, Oversized Master
  • Level: Master on Main, Oversized Master

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 063E066
  • Other equipment: None
  • Horse amenities: None

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Deck,Front Porch,Patio,Side Porch
  • Exterior features: None,Dock,Dock Permit
  • Spa features: None
  • Fencing: None
  • Has view: Yes
  • View description: Lake,Trees/Woods
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Lake Front,Lake
  • Waterbody name: Hartwell
  • Frontage length: Waterfrontage Length(318)

Lot

  • Lot size: 0.57 Acres
  • Features: Private,Sloped,Wooded
  • Lot size dimensions: 150 x 260

Parking

  • Total spaces: 4
  • Parking features: Driveway,Parking Pad,RV Access/Parking
  • 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 $1,845$22,140
Home Insurance *$242$2,904
Property Taxes $215$2,580
Electricity $219$2,637
Total$2,521$30,252
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$86,434/yr
40% on housing$75,630/yr
45% on housing$67,226/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

$178This listing

vs Other Active Listings

Avg $/sqft

ZIP 30577$135
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
2026-04-29Price change$364,999
2026-04-09Listed for sale$374,999
2026-04-07Listing removed$374,999
2026-02-15Price change$374,999
2026-01-04Price change$389,000
2025-10-15Listed for sale$399,000
2019-04-18Sold$152,000
2019-03-11Pending sale$149,000
2019-03-08Listed for sale$149,000
2019-03-05Pending sale$149,000
2019-02-21Listed for sale$149,000
2019-01-08Listing removed$159,000
2019-01-07Listed for sale$159,000
2018-12-28Pending sale$159,000
2018-11-14Listed for sale$159,000
2018-11-12Pending sale$159,000
2018-06-07Price change$159,000
2018-05-17Listed for sale$165,000
2018-05-10Pending sale$165,000
2018-05-03Listed for sale$165,000
2018-04-25Pending sale$165,000
2018-04-25Listed for sale$165,000
2010-11-05Sold$129,000

For Sale by Agent

AgentJeremy Cwikla
BrokerageEngel & Volkers Atlanta

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