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23 Cane Brake Cir, Toccoa, GA, 30577

3beds
2baths
1,984sqft
$325,000
$164price/sqft
$2,270/moest. monthly cost
$90,800/yrincome needed

About This Home

Located on a desirable corner lot in one of the area's most sought-after neighborhoods, this well-maintained single-level home offers the ideal combination of comfort, functionality, and convenience. Featuring 3 spacious bedrooms and 2 full bathrooms, this thoughtfully designed home is well suited for families, empty nesters, or anyone looking to enjoy the ease of one-level living. A classic Southern-style front porch welcomes you inside, where the foyer is flanked by a formal living room and a separate dining room, creating a warm and inviting first impression. The open floor plan connects the family room, kitchen, and breakfast area, making it an ideal space for everyday living and entertaining. A cozy fireplace anchors the family room, while hardwood floors add warmth and character throughout the main living areas. The kitchen offers solid surface countertops, ample cabinetry, and generous workspace, making meal preparation both convenient and enjoyable. The separate dining room provides the perfect setting for family dinners, holiday gatherings, and entertaining guests. The spacious primary suite offers a private retreat with an en-suite bathroom, while two additional bedrooms provide flexibility for family, guests, or a home office. Step outside to enjoy the spacious backyard, offering plenty of room for gardening, outdoor entertaining, or simply relaxing. An attached two-car garage provides ample storage for vehicles, tools, and recreational equipment. Conveniently located within the city limits, you'll enjoy easy access to shopping, dining, schools, and everyday amenities while still appreciating the quiet atmosphere of this established neighborhood. Freshly painted and move-in ready, this home is ready for its next owners to settle in and make it their own. Some photos in the listing are virtually staged.

Getting Around

28
WalkingCar-Dependent
0
TransitVery Limited Transit
17
BikeSomewhat Bikeable

Schools

4/10
Toccoa Elementary SchoolGrades 2-40.5 mi
5/10
5/10

Construction

Condition

  • Property condition: Resale
  • Year built: 1984

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Oven/Range (Combo),Refrigerator,Stainless Steel Appliance(s)
  • Laundry features: In Hall

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

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

Dining Room

  • Features: Separate Room

Features

  • Double Vanity,Master On Main Level,Tile Bath,Vaulted Ceiling(s),Walk-In Closet(s)
  • Window features: Double Pane Windows
  • Flooring: Carpet,Hardwood,Tile
  • Number of fireplaces: 1
  • Fireplace features: Family Room,Living Room,Masonry
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,984
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

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

Interior Area

  • Total structure area: 1,984
  • Total interior livable area: 1,984 sqft

Kitchen

  • Features: Breakfast Area,Pantry,Solid Surface Counters

Property

Accessibility

  • Accessibility features: Accessible Entrance

Details

  • Parcel number: T26 168

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck,Porch

Lot

  • Lot size: 0.35 Acres
  • Features: Level

Parking

  • Parking features: Garage,Garage Door Opener,Kitchen Level,Side/Rear Entrance,Storage
  • 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

  • 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 $1,643$19,716
Home Insurance *$216$2,592
Property Taxes $192$2,304
Electricity $219$2,637
Total$2,270$27,240
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$77,828/yr
40% on housing$68,100/yr
45% on housing$60,533/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

$164This 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)

No zestimate history available

Price History

DateEventPrice
2026-08-12Pending sale$325,000
2026-07-14Listed for sale$325,000
2026-05-26Sold$304,999
2026-04-26Pending sale$325,000
2026-04-16Listed for sale$325,000
2026-04-08Pending sale$325,000
2026-04-07Listed for sale$325,000
2019-01-15Sold$155,000

For Sale by Agent

AgentStephen P Caudell
BrokerageHammock Realty North Georgia

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