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1010 Lakeland Dr, Toccoa, GA, 30577

6beds
3baths
3,926sqft
$899,000
$229price/sqft
$6,055/moest. monthly cost
$242,200/yrincome needed

About This Home

Lake Hartwell New Construction. Beautiful newly built home with 3,926 total sqft, on Lake Hartwell located on the north end of the Tugaloo River. The main level offers a large kitchen, laundry, 2 bedrooms and 2 full baths. A large family room with vaulted ceilings and a dining room. Big windows that scale the lakeside of the home offering a lot of natural light and views. There is a sunroom off the owners suite for those quiet afternoons with your favorite book. The back deck if partially covered offering plenty of room for entertaining or a relaxed evening with the family. On the lower level is an unfinished living/rec area with 4 bedrooms, full bath and laundry. This will give 6 bedrooms, two family rooms and a second laundry room. The french doors open to a large patio overlooking the lake. This home is found on .66 of an acre with a gentle walk to the waterfront. There is a covered dock with a boat lift on big water with views of the mountains. There is also a car/boat open garage to park the lake toys or vehicles. Located conveniently to Toccoa and 985. Minutes from 85 and a short drive to the north Ga. mountains. Come see this hard to find new construction on the waterfront.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
2
BikeSomewhat Bikeable

Schools

--
Big A Elementary SchoolGrades PK-K6.8 mi
4/10
5/10

Construction

Condition

  • Property condition: New Construction
  • New construction: Yes
  • Year built: 2024

Materials

  • Roof: Metal
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Water Heater,Gas Water Heater,Oven/Range (Combo),Refrigerator,Stainless Steel Appliance(s)
  • Laundry features: In Kitchen,Laundry Closet

Basement

  • Has basement: Yes
  • Basement: Bath/Stubbed,Concrete,Exterior Entry,Full,Interior Entry,Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Features

  • High Ceilings,Master On Main Level,Other,Tray Ceiling(s),Vaulted Ceiling(s),Walk-In Closet(s)
  • Flooring: Laminate,Tile
  • Number of fireplaces: 1
  • Fireplace features: Gas Log
  • Fireplace: Yes
  • Finished area below ground: 1,824
  • Finished area above ground: 2,102

Heating & Cooling

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

Interior Area

  • Total structure area: 3,926
  • Total interior livable area: 3,926 sqft

Property

Details

  • Parcel number: 057E 003A

Features

  • Levels: Two
  • Stories: 2
  • 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,Waterfront

Lot

  • Lot size: 0.66 Acres
  • Features: Other

Parking

  • Parking features: Carport,Guest
  • 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

  • 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 $4,545$54,540
Home Insurance *$598$7,176
Property Taxes $531$6,372
Electricity $381$4,577
Total$6,055$72,660
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$207,600/yr
40% on housing$181,650/yr
45% on housing$161,466/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

$229This listing

vs Other Active Listings

Avg $/sqft

ZIP 30577$134
Stephens County$138

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
2026-03-16Listed for sale$899,000
2025-11-01Listing removed$950,000
2025-06-27Listed for sale$950,000
2020-12-15Sold$67,000

New Construction

AgentSusan Hill
BrokerageLake Homes Realty LLC

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