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$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…

Renovated

Listing remarks courtesy of Keller Williams Realty Atl. Partners.

Listing courtesy of Keller Williams Realty Atl. Partners· GAMLS #10615415

678-252-1900

$970/mo est.

with $13,500 down · $135,000 list price*

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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.

Offer insights

Choose an offer strength

List price: $135,000

$134K–$135K

70% to 90% chance of a winning offer

Just under asking — competitive when the home is fresh.

333 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.

Payment calculator

$970/mo

Principal, interest & taxes · $1,209/mo with home insurance and HOA

Principal & interest$835

Property taxes$135

Home insurance$39

HOA$200

Down payment$13,500 (10%)

Interest rate7.320%

Starts at today’s national average for a 30-year fixed, 7.32% (week of Oct 22). Not an APR or a loan offer. 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).