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Active32 days listed

263 Cole Lake Drive, Toccoa, GA 30577

  • 4bd
  • 3ba
  • 3,064SF
  • 37.47ac lot

Single-family home

List price

$649,900

$212/SF list

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FMLS IDXFMLS #7844479 · Listing Provided By Pure Real Estate Solutions · 770-776-7721 · Listing agent Grove Homes Group

Location

263 Cole Lake Drive, Toccoa GA 30577

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About this home

Escape to your own private sanctuary in the heart of Northeast Georgia! Nestled on 37.47 sprawling, wooded acres in Stephens County, this extraordinary property offers a rare blend of seclusion, natural beauty, and ultimate countryside living. At the heart of the acreage lies private waterfront ownership on Lake Mona—a gorgeous, tranquil body of water perfect for peaceful mornings, fishing, or taking in serene views. The land features lush mature timber, offering ultimate privacy, peaceful nature trails, and abundant wildlife right in your backyard. For horse lovers, the property comes equipped with a dedicated one-horse stall and tack barn, ideal for keeping your horse close to home or utilizing the space for specialized outdoor storage. Whether you are looking to create a multi-generational family retreat, enjoy private lakefront living, or simply invest in prime Stephens County acreage, this property offers limitless potential. Bring your vision and make this quiet countryside retreat your forever home! Contact us today to schedule your private tour.

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
3,064 SF
Lot size
37.47 acres
Year built
2001
Levels
Two
Main-level bedrooms
2
Garage spaces
2
Parking
Driveway, Garage, Level Driveway
Basement
Daylight, Exterior Entry, Finished, Full
Style
Country, Craftsman
Construction
Vinyl Siding
Roof
Composition
Flooring
Ceramic Tile, Hardwood, Laminate, Vinyl
Heating
Forced Air, Heat Pump, Propane
Cooling
Ceiling Fan(s), Central Air, Electric
Appliances
Dishwasher, Electric Range, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater
Lot
Back Yard, Lake On Lot, Level, Private, Wooded
HOA
No
Annual tax
$2,815 (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 $649,900 and this week's average rate. Change anything to see your number.

Loan type
Estimated monthly payment

$4,621/mo

Principal and interest
$4,018
Property tax
$235
Home insurance
$125
Mortgage insurance
$244
Loan amount
$584,910
Cash down
$64,990

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 Pure Real Estate Solutions, 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.

Other property types for sale

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Thinking about a rental or a building instead? Send Jeff a message.

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