1/4
Active
$135,000
Lot / land listing
130 Shorewood Circle, Toccoa, GA 30577
About this home
Charming lakeside living! This property offers a 2 bed, 1 bath home with rental income potential of $1,200/month. Recently updated with a brand-new septic tank (2025) for peace of mind. The sale also includes an extra lot, giving you more space and investment potential. Enjoy lake access for fishing, boating, or simply relaxing in nature. Whether you’re looking for an income…
No HOARenovated
Listing remarks courtesy of Keller Williams Realty Atl Partners.
· FMLS #7657967678-252-1900
$923/mo est.
with $13,500 down · $135,000 list price*
Buyer services · Veribas Real Estate LLC — not the listing broker unless noted above
Home details
2006
Built
0.52 ac
Lot
None
HOA
$977/yr
Est. taxes
Sep 30, 2025
Listed
Offer insights
Choose an offer strength
List price: $135,000
$134K–$135K
70% to 90% chance of a winning offerJust under asking — competitive when the home is fresh.
335 days on market — sitting listings negotiate. A moderate offer here does more than these odds suggest.
Balanced-market odds from list price and typical winning offers — your agent tunes this to the street. Ask a Veribas agent before you commit a number.
Home facts
Payment calculator
$962/mo
Principal & interest$788
Property taxes$135
Home insurance$39
Down payment$13,500 (10%)
Interest rate6.750%
Estimates only — taxes at 1.2%/yr and insurance at 0.35%/yr of price. Get exact terms from a lender via pre-qualification.
Assumable loan?
If the seller has an FHA, VA or USDA mortgage, you may be able to take it over and keep their rate, often far below today’s. This listing doesn’t say. Ask, and a Veribas agent will check the seller’s loan and tell you the rate, the balance and what you’d need down.
Down payment assistance
Upper-income census tract 13257970201 · Stephens County · FFIEC 2026
Georgia Dream down payment assistance
Up to $10,000 or 5% of the price · Deferred loan (0% — repaid on sale, refinance or payoff)
For down payment. First-time buyers only. 640+ credit score. Ends Dec 31, 2026.
The State of Georgia's program (Georgia DCA), offered through Southeast Mortgage. A 0% second mortgage with no monthly payment covers 5% of the price up to $10,000 (6% up to $12,500 for nurses, educators, public protectors and households with a disabled member); repaid when you sell, refinance or move out. First-time buyers (no home in 3 years; waived in targeted areas and for veterans), household income and price limits by county, 640+ credit, $1,000 of your own money, homebuyer education. Source: dca.georgia.gov and southeastmortgage.com/uga (checked 2026-09-24).
Chenoa Fund down payment assistance
5% of the price · Forgivable loan (forgiven after a set time in the home)
For down payment. 600+ credit score. Ends Dec 31, 2026.
Value & price history
Estimated valueListed for sale
Listed for sale
Sep 30, 2025
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No junk fees — the numbers you agree to are the numbers you sign.
Schools
Big AElementary
Stephens CountyMiddle
Stephens CountyHigh
Location
5 for sale 10 sold
Listed by
Keller Williams Realty Atl Partners
Source: FMLS · #7657967
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© 2026 Veribas Real Estate LLC · (833) 837-4227 · Georgia Broker Lic. H-81905 · Qualifying Broker: Ahsan Charania, GREC #417366. Veribas Real Estate LLC is a licensed Georgia real estate brokerage. We are not a lender or mortgage loan originator; all financing is provided by independent NMLS-licensed lenders, and payment figures on this site are estimates only. Listing information is deemed reliable but not guaranteed and should be independently verified. We are committed to the federal Fair Housing Act and the Equal Credit Opportunity Act.