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Active

$136,000

Veribas Valuation $171,000asking 20% belowhow we got this

2 beds · 1 baths · 800 sqft

3515 Rock Creek Road, Toccoa, GA 30577

Great deal

Priced about $35,000 (20%) below comparable homes. Estimated market value $171,000, based on 6 comparable homes nearby.

Estimate from Veribas listing comps — a guide, not an appraisal.

About this home

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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.

Veribas Valuation

Veribas Verified · from nearby MLS sales

$171,000range $161,000 – $181,000

Based on 6 sold homes within a mile (3 in the last 12 months), checked against 4 active/pending listings, adjusted for this home's updates · asking 20% below this value

Automated estimate from nearby MLS sales — not an appraisal.

Offer insights

Choose an offer strength

List price: $136,000

$135K–$136K

70% to 90% chance of a winning offer

Just under asking — competitive when the home is fresh.

Veribas Valuation: $171,000 — asking sits below our value; strong offers here still buy under market.

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

$977/mo

Principal, interest & taxes · $1,017/mo with home insurance

Principal & interest$841

Property taxes$136

Home insurance$40

Down payment$13,600 (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

Middle-income census tract 13257970202 · 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).