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Active193 days listed

159 Manor Oak Trail, Toccoa, GA 30577

  • 4bd
  • 3ba
  • 1,660SF
  • 0.42ac lot

Single-family homeManor Oaks

List price

$995,000

$599/SF list

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FMLS IDXFMLS #7755415 · Listing Provided By Harry Norman REALTORS · 404-897-5558 · Listing agent Rachel Grindrod

Location

159 Manor Oak Trail, Toccoa GA 30577

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About this home

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.

How this list price compares in Toccoa

Figures are list prices from current FMLS IDX inventory (Active, Active Under Contract and Pending), not sales prices or appraisals.

Home facts

Property type
Single-family home
Status
Active
Bedrooms
4
Full baths
3
Living area
1,660 SF
Lot size
0.42 acres
Year built
1994
Levels
One
Main-level bedrooms
4
Parking
Driveway, Kitchen Level, Level Driveway, RV Access/Parking
Basement
Crawl Space
Style
Ranch, Cottage
Construction
Wood Siding
Roof
Composition
Flooring
Hardwood, Laminate, Tile, Other
Heating
Electric
Cooling
Central Air
Fireplaces
1
Appliances
Microwave, Refrigerator, Washer, Dryer, Dishwasher, Tankless Water Heater
Lot
Level, Cul-De-Sac, Wooded, Private, Lake On Lot
Community
Lake, Park, Near Trails/Greenway
HOA
No
Annual tax
$5,179 (2025)
County
Stephens

Assigned schools

As reported in the listing. Verify with the school district.

Payment estimate

Estimate the monthly payment

Prefilled with the list price of $995,000 and this week's average rate. Change anything to see your number.

Loan type
Estimated monthly payment

$7,081/mo

Principal and interest
$6,151
Property tax
$432
Home insurance
$125
Mortgage insurance
$373
Loan amount
$895,500
Cash down
$99,500

This is an estimate only. Not a lender, not a loan offer and not a rate quote. Rates: Freddie Mac PMMS weekly average for 2026-10-22: 30-yr 7.32%, 15-yr 6.68%. Tax uses the annual tax amount in the listing; insurance assumes $1,500 a year. Conventional adds 0.5% a year mortgage insurance under 20% down; FHA uses 3.5% minimum down, a 1.75% upfront premium financed and 0.55% a year MIP; VA adds a 2.15% funding fee financed under 5% down and no monthly MI. Talk to a licensed lender for a real quote.

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Questions about this home

How do I schedule a showing of this home?

Use the "Ask about this home" form on this page and include the days and times that work for you. Jeff Crowe will follow up to set up a showing.

How do I get more information about this listing?

Send your question through the form on this page. Listing details come from FMLS and are provided by Harry Norman REALTORS, so confirm them before making an offer.

Is this home still available?

This page shows the status reported in FMLS (Active) as of the last update. Status can change quickly, so ask through the form to confirm before you tour.

How is the monthly payment estimate calculated?

It uses the list price, an average mortgage rate, the tax amount in the listing (or an estimated tax rate when none is given), estimated insurance and any HOA dues in the listing. It is an estimate only, not a loan offer. Talk to a licensed lender for a real quote.

Where can I see similar homes for sale in Toccoa?

See the similar homes section on this page, or browse all homes for sale in Toccoa, GA.

Beyond homes

Also exploring Georgia investment real estate?

Jeff Crowe is a local, full-service agent with CENTURY 21 The Avenues who also works with buyers and sellers of apartment buildings, churches, commercial property and land across Georgia. The pages below are other property types and investor research, separate from this home listing.

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