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731 Racetrack Rd, Toccoa, GA, 30577

3beds
2baths
1,516sqft
$336,400
$222price/sqft
$2,342/moest. monthly cost
$93,680/yrincome needed

About This Home

New construction ranch style home offering the perfect blend of modern comfort and peaceful country living. This 3 bedroom 2 bath home features an open concept floor plan designed for easy living and effortless entertaining, with spacious living areas ideal for gatherings. Restrictive covenants help preserve the neighborhood's charm and long-term value without the burden of an HOA. Enjoy the quiet setting while still benefitting from the convenient access to the Toccoa Bypass. For added peace of mind, the builder includes a 2-10 Home Warranty. Builder renderings, floor plans and elevations are for illustrative purposes only and may not reflect the final construction; builder reserves the right to modify plans, specifications, materials, and features at their discretion.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
12
BikeSomewhat Bikeable

Schools

--
5/10
5/10

Construction

Condition

  • Property condition: Under Construction
  • New construction: Yes
  • Year built: 2026

Materials

  • Roof: Composition
  • Construction materials: Other

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave
  • Laundry features: Other

Basement

  • Basement: None

Bedrooms & Bathrooms

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

Features

  • Double Vanity,Walk-In Closet(s)
  • Flooring: Carpet,Other
  • Number of fireplaces: 1
  • Fireplace features: Factory Built,Living Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,516
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

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

Interior Area

  • Total structure area: 1,516
  • Total interior livable area: 1,516 sqft

Kitchen

  • Features: Solid Surface Counters,Kitchen Island,Pantry

Property

Details

  • Parcel number: 034 104M

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Other

Lot

  • Lot size: 1 Acres
  • Features: Level,Open Lot

Parking

  • Total spaces: 6
  • Parking features: Garage Door Opener,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

  • Hail
    HailRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Hail
Ice Storm
Lightning
Cold Wave
Inland Flooding
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 $1,701$20,412
Home Insurance *$223$2,676
Property Taxes $199$2,388
Electricity $219$2,637
Total$2,342$28,104
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$80,297/yr
40% on housing$70,260/yr
45% on housing$62,453/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

$222This 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)

Price History

DateEventPrice
2026-05-22Listed for sale$336,400

New Construction

AgentElizabeth Cheek
BrokerageBHHS Georgia Properties

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