Toccoa GA Bungalow/Cottage Style Homes for Sale

This great Lake Hartwell home will make a great second home, but it also has everything you would need for full-time living. The front porch welcomes you to the great room, which features soaring ceilings, a fireplace, wood flooring and a wall of windows overlooking the lake. The great room opens to the granite kitchen, which features stainless steel appliances and the large dining area. The owner's suite is on this level and includes dual vanities, a separate tub and shower and an oversized closet adjacent to the laundry room. The owner's suite opens to a covered porch with a hot tub and there is also a large open deck spanning the width of the house. Upstairs there are three bedrooms and a full bath. Two of the bedrooms open onto a large upper level porch overlooking the lake. The terrace level features a huge rec room currently set up with a television viewing area, a pool table, and exercise equipment. Also, there is a second full kitchen and dining area. This level also has two flex rooms for an office, exercise area or additional sleeping. The terrace level opens onto a lakefront patio which connects via an improved walkway to the covered slip dock on one of the lake's main channels. This property features a concrete driveway with plenty of parking and covered parking for two cars or boats. There is also a handy storage building for all of your lake toys. All furnishings are included in the asking price.

669 Shorewood Circle, Toccoa

$155,000

2 Beds ⋅ 1 Baths ⋅ 10836106 MLS

Welcome to this charming 1950s bungalow in the heart of Toccoa! This two-bedroom, one-bath home is full of character and has been thoughtfully updated over the years, offering the perfect blend of vintage charm and modern convenience. Located just past the elementary school, the home is also within walking distance of downtown Toccoa, shopping, churches, restaurants and more. Inside, the inviting family room flows seamlessly into the kitchen, creating a cozy and functional space for everyday living. The home has been carefully maintained while preserving the character that makes a 1950s bungalow so special. The bathroom has been recently renovated and features a beautiful tiled shower and new vanity. Just off the kitchen, you'll find an enclosed back porch with washer and dryer hookups, along with additional unfinished space that offers plenty of possibilities. Use it as a walk in pantry, additional bathroom, storage room, or finish it to fit your specific needs. Central HVAC provides year-round comfort, while the gas wall heater offers a reliable backup source of heat during cooler months. Whether you're a first-time buyer, looking to downsize, or searching for a home close to everything downtown Toccoa has to offer, this bungalow is ready to welcome you home!

504 N Pond Street, Toccoa

$191,500

2 Beds ⋅ 2 Baths ⋅ 10833630 MLS

VA FORECLOSURE --Minutes from Downtown Toccoa! 2BR, 2BA Home Sits on 0.38 acres in Stephens County, Zoned for Big A Elementary, Stephens County Middle, and Stephens County High School. Updated Exterior with Covered Front Porch. Inside, Living and Dining Areas Flow -- Fully Remodeled in 2022. Family Room with Electric FP -- The Kitchen Has Quartz Countertops, White Shaker Cabinets, Farmhouse Sink, and Stainless Steel Appliances. Both Bathrooms Have Tile Showers; The Property was Originally Built in 1955; Updates Appear to have Included the Roof, HVAC, and Water Heater. Property is Being Sold "As Is" and Seller will not Make Any Repairs. Come Take a Look!!

345 PRATHER BRIDGE RD., Toccoa

$230,000

3 Beds ⋅ 1 Baths ⋅ 10832913 MLS

Charming 1940s Cottage in the Heart of Toccoa..Enjoy easy, single-level living in this charming 1940s cottage located on a quiet residential street just off Big A Road. Conveniently situated within walking distance of restaurants, grocery stores, and a pharmacy, and only 2-3 miles from Downtown Toccoa for shopping, dining, and medical services. The home features a spacious front yard, attached carport, and inviting gable entrance. Inside, you'll find a cozy living room with fireplace and hardwood floors throughout the main living areas. The updated kitchen offers granite countertops, shaker-style cabinets, and stainless steel appliances. Three spacious bedrooms provide hardwood floors and ample closet space. The updated full bath features a tiled shower surround and convenient hallway access. A spacious laundry room offers exterior access to the fenced backyard. The flat backyard includes a concrete slab ideal for a small basketball court, patio, or future shed. Move-in ready with a roof and water heater approximately six years old, plus a 2-10 Home Warranty included with the purchase. A great option for a first-time buyer, down-sizer, retiree, or anyone looking for convenient, low-maintenance living. Schedule your private showing today!

119 Parkway Drive, Toccoa

$365,000

2 Beds ⋅ 2 Baths ⋅ 10832860 MLS

Welcome to 557 Benttree Circle! This property features two dwellings positioned on a 1.24 acre pond front lot with two docks. The main home is 1500 square feet with two bedrooms and two bathrooms. It has a large living area, spacious kitchen with a large island and stainless steel appliances. You can enjoy your evening coffee or cocktail on the deck, or screened in porch located on the back of the house overlooking the water. The second dwelling is a cozy 680 square foot 1 bed 1 bath cabin with a rocking chair front porch. The cabin currently has tenants. The property also includes a storage building and a RV hookup. This property would make a great residence, getaway, or investment opportunity.

557 Benttree Circle, Toccoa

$445,000

5 Beds ⋅ 5 Baths ⋅ 10832535 MLS

CHARMING & SPRAWLING VINTAGE BUNGALOW ON COVETED E TUGALO ST STEPS DOWNTOWN TOCCOA...Enjoy an amazing location just moments from historic shops, dining, and seasonal festivals = CONVENIENT INTOWN LIVING! Major Renovation makes this a must see! Main level features beautiful hardwood floors that flow seamlessly throughout the home. Super Functional and Open Floor plan with cozy sunroom, dedicated office or bedroom, and an UPDATED Kitchen complete with quartz countertops, Kitchen-Aid Double wall ovens, Two side by side refrigerators, plus room for additional drop in freezer or coffee bar. MASSIVE Living Room in the heart of the home with vaulted ceilings, exposed beams, and an abundance of natural lighting. Large Primary Bedroom on Main Level with private ensuite including a double vanity and vintage soaking bathtub. 3 Ample-sized Guest Bedrooms on main level sharing the 2.5 bathrooms provides comfort and ease for family and friends! Expansive Loft space overlooks the main living area-offering the ideal spot for a home library, game room, or playroom. Basement level is fully equipped to serve as an exceptional Multigenerational Living Suite, complete with its own Kitchen, Living Area, Bedroom space, and full Bathroom. Outdoors, the property turns into a private oasis with an in-ground pool, a full privacy fence, and dedicated outdoor dining area for hosting friends and family! Topped off with a NEW ROOF and an unmatchable location within walking distance of Toccoa's lively Main Street, this move-in-ready gem offers historic character combined with modern lifestyle versatility. Recent upgrades/updates: New HVAC 2019, kitchen, bathrooms, electrical service panels, plumbing and hot water heater. This is a must see! Contact our team today for your private viewing!

334 E Tugalo Street, Toccoa

$720,000

5 Beds ⋅ 4 Baths ⋅ 10829198 MLS

QUALITY CRAFTSMANSHIP IN THIS LIKE NEW HOME with TWO RIVER ROCK fireplaces, two kitchens, EXPANSIVE OUTDOOR SPACES and COOKS DELIGHT KITCHEN. Tucked away on a private, wooded 2-acre lot, this spacious home offers an impressive combination of comfortable everyday living, abundant storage and flexible space rarely found in one property. The Hardie board with stone exterior and metal roof provide the low maintenance peace of mind you want in your new home. A large covered front porch and stunning stone work will welcome your guests in style. Inside, the expansive open living area offers two distinct seating areas, including a beautiful stone fireplace with built-in custom cabinetry, plus a generous dining area that makes the home ideal for both everyday living and entertaining. The kitchen provides a breakfast area, breakfast bar and two pantries, including a large walk-in pantry. A spacious laundry room is conveniently located near the garage entry. The primary suite features a large bath with double vanity, separate shower and soaking tub. New carpet in all bedrooms and fresh paint throughout a large portion of the main level make the home move-in ready. Outdoor living is equally impressive with a huge screened porch with new screening plus an adjoining deck, creating plenty of room to relax, dine and enjoy the wooded surroundings. The lower level dramatically expands the possibilities of this home featuring a commercial-style kitchen with stainless steel workspace and islands, oversized multipurpose room with concrete floors, an additional bedroom, walk-in closet and full bath. Whether used for entertaining, hobbies, recreation, a home-based workspace or extended living space, this level offers exceptional flexibility. Need storage? You'll find more than 1,200 square feet of dedicated storage space with metal shelving, along with a second garage. A 32,000-watt whole-house propane generator with automatic transfer switch provides valuable backup power, and a security system is already in place. All of this in a private setting while remaining conveniently located for access to Toccoa, Commerce and Habersham County. With generous living spaces, extensive storage, multiple garages and an unusually versatile lower level, this property offers room to live, work, entertain and grow.

157 Dusty Trail, Toccoa

$299,900

3 Beds ⋅ 2 Baths ⋅ 10821352 MLS

Wonderfully renovated ranch on 1 acre! This home has undergone extensive renovations and is like new! This 1600 sq ft home boasts 3 bedrooms, 2 full baths, living room and den. Kitchen has a farm sink with new cabinets, solid surface countertops and new stainless appliances. Home has LVP throughout. There is a wood burning stove, all new electrical and all new pex piping for the plumbing. The home has all new insulation and sheetrock. Primary bath has a walk in shower. The back porch is screened in and the home has a new water heater. The home has all new lights, fans, and fixtures. This property has a single garage, a 1 car carport, a 2 car carport and a workshop. Beautiful landscaped yard with many flowering shrubs and large shade trees! This home is move in ready and won't last long! It's only a 10 minute drive to Toccoa Falls, a 186 foot waterfall! Less than 10 minutes to grocery stores. Stephens County hospital is right in town as well. Enjoy the downtown antique shops and local eateries. Visit multiple parks and state parks in the area and Lake Hartwell is just a short drive away!

1707 Buena Vista Drive, Toccoa

$550,000

6 Beds ⋅ 4 Baths ⋅ 10818520 MLS

**HISTORIC TOCCOA LANDMARK | RESIDENCE + SEPARATE PROFESSIONAL OFFICE | 5,200+ SQ FT** Step into a piece of Toccoa history at **359 E. Tugalo Street**, a distinctive 1928 property that has been lovingly owned by only four families throughout its history. Rich in character, architectural detail, and versatility, this rare property offers **more than 5,200 square feet of combined space** between the historic main residence and a separate two-story professional office building-all in the heart of Toccoa. The approximately **4,027-square-foot main residence** beautifully blends historic character with thoughtful modern updates. Original details include soaring ceilings, beautiful mahogany interior doors, plantation shutters, French doors between spacious rooms, and two original fireplaces, one of which has been converted to gas. The main level offers approximately 2,801 square feet with a gracious dining room, spacious great room, inviting sunroom, kitchen with pantry and butler's pantry, laundry room, and a beautifully updated bedroom suite featuring a walk-in shower and walk-in closet. Upstairs, approximately 1,226 square feet provides three additional bedrooms and a full bath, offering exceptional space for family, guests, or flexible living arrangements. **The separate two-story professional office building is a standout feature of this property**, offering approximately **1,232 square feet** with 616 square feet on each level. Currently configured for professional use, it includes a kitchen and two half baths and could accommodate a variety of uses such as a professional practice, office, studio, meeting space, creative workspace, or business headquarters. For the right buyer, the possibilities are especially appealing: **live in the historic residence while operating your business just steps away**, create a private office or studio, or utilize the additional building for rental or professional purposes, subject to applicable zoning and approvals. The property's **C-3 commercial zoning** adds another layer of flexibility and opportunity rarely found with a property of this character and size. Combined with the residence, detached office, covered parking for two vehicles, and convenient location near downtown Toccoa, this property offers a unique opportunity for someone seeking a home with substantially more functionality than a traditional residence. Modern improvements include double-pane windows, replacement windows in the main house installed in 2012, HVAC installed in 2005, furnace replaced in 2012, water heater replaced in 2024, and a new deck completed in 2025. Whether you're searching for a **historic home with room to spread out, a live/work property, a professional headquarters, a creative studio, or a property with future commercial possibilities**, 359 E. Tugalo Street offers a combination that is truly difficult to duplicate. **Historic character. Exceptional space. Separate professional building. C-3 zoning. Endless possibilities.** Properties with this combination of history, size, location, and versatility rarely become available in Toccoa.

359 E Tugalo Street, Toccoa

$250,000

3 Beds ⋅ 3 Baths ⋅ 10810462 MLS

Complete and total renovation from the studs. Covered with fiber cement boards instead of vinyl siding. Every inch has been touched with new materials, too much to list. View the pictures and come check out this gorgeous home on a large lot on a very quiet street. You won't be disappointed.

545 Shady Lane, Toccoa

$200,000

2 Beds ⋅ 2 Baths ⋅ 10792566 MLS

Perfect starter home or rental property. Move in ready condition. Plenty of parking. Great yard for the kids and pets with lots of room for a garden or adding a play structure. Enjoy your covered front porch in your rocking chairs or a nap on the screened porch. Includes a large master suite with a walk-in closet, private bath and laundry. Spacious kitchen includes all appliances with room for the whole family. Located off of Falls Road, it's less than a mile from downtown Toccoa, shopping, restaurants, hospital and Toccoa Falls College.

52 Watson Extension, Toccoa

$199,990

2 Beds ⋅ 1 Baths ⋅ 10761420 MLS

This fully renovated 2-bedroom, 1-bath home offers country living at its best. Sitting on a spacious lot with beautiful open yard space and surrounded by nature, it's the kind of place where you can slow down, enjoy the outdoors, and feel right at home. Inside, everything has been updated with a fresh, clean feel, including new appliances and modern finishes, while still keeping the warm character of a country cottage. Public records show an effective year built of 1970, but the updates make this home feel fresh and move-in ready. Enjoy mornings on the covered front porch, plenty of room for gardening, pets, or outdoor hobbies, and best of all - no HOA telling you what you can and can't do. Whether you're looking for a starter home, downsizing, or just wanting a simpler country lifestyle, this property is one you'll want to see

1186 E Tugalo Street, Toccoa

$995,000

4 Beds ⋅ 3 Baths ⋅ 10735894 MLS

Tucked into a quiet, wooded cove on Lake Hartwell, Inn the Cove is a fully renovated, fully furnished retreat with a private covered dock that typically floats year-round with approximately 6 feet of water at full pool. Inside, vaulted ceilings, exposed wood beams, large windows, and abundant natural light give the home a relaxed, open feel. The kitchen features an oversized island, quartz countertops, farmhouse sink, and custom cabinetry, opening to the dining and living areas. Open the oversized kitchen windows and the counter becomes a pass-through bar to the screened porch, perfect for serving drinks, sharing meals, and keeping everyone connected between the kitchen and one of the home's favorite gathering spaces. Voted favorite spot for a rainy afternoon nap! The main house includes three bedrooms, laundry, and two full baths, including a primary suite with outdoor access, a bunk room, and guest bedroom. A detached recreation space serves as a game room, lounge, and fourth bedroom with four beds, plus its own full bath and large storage closet. New Trex decking offers plenty of room for dining and relaxing, while the dock makes boating, swimming, and kayaking easy. A public boat ramp is just two minutes away. Ideal as a full-time home, weekend retreat, or established income-producing rental with outstanding reviews. Inn the Cove is offered fully furnished, with high end furnishings and details throughout. In the owner's experience, 2026 was the only year that the dock did not remain floating year-round, due to extreme drought and unusually low managed lake levels.

159 Manor Oak Trail, Toccoa

$279,900

3 Beds ⋅ 2 Baths ⋅ 10594457 MLS

Brand New 2025 Construction - 596 Watson St, Toccoa, GA. Welcome to this beautifully crafted new build, located just 5 minutes from Toccoa Falls College! This modern home features 3 spacious bedrooms and 2 full bathrooms, designed with comfort and functionality in mind. Enjoy an open floor plan with vaulted ceilings at the main entrance, tile flooring throughout, and a stylish kitchen complete with granite countertops and stainless steel appliances. The master suite includes a walk-in closet and private bath, while the home also offers a dedicated pantry and laundry closet for added convenience. Don't miss this opportunity to own a quality new construction home!

596 Watson Street, Toccoa

$169,000

2 Beds ⋅ 2 Baths ⋅ 10538892 MLS

Welcome to easy one-level living in this beautifully remodeled 2 bedroom, 2 bath gem, nestled on a private lot at the end of the street with NO HOA! Completely renovated in 2022-including a brand-new roof-this home combines stylish modern upgrades with timeless charm. Whether you're a first-time buyer or a savvy investor looking to add a turnkey property to your rental portfolio, this home is a must-see. Inside, you'll find a bright and open layout with updated finishes throughout, while outside, the spacious fenced-in backyard offers a secure haven for kids and pets. You're just minutes from the heart of downtown Toccoa, where shops, restaurants, parks, and local attractions await. Don't miss this opportunity for location, comfort, and value in one perfect package!

128 Branch Street, Toccoa

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Toccoa Bungalow/Cottage Style Real Estate & Homes