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$1,000,000   Price Analysis
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445 Cliffs Ridge Dr
Toccoa, GA 30577
Unknown bed 0 bath unknown SqFt ($0/SqFt)
1.3 acre lot. Built 2005
Listed 2024-06-01, Taxes $2,077
May be USDA loan restricted due to income limits
near Toccoa

3 Waterfront Homes PLUS 1 more buildable lot.

Includes 1 finished home, 2 homes that need some construction completed on 5 parcels that can be subdivided. Create your own residential community or live in your own home and rent out or sell off the rest. Or make this 3-4 homes in your rental portfolio. Another option is to use a design/build plan to com bine the 2 homes connected by a retaining wall and patio and turn into a larger 8-10 bedroom home. A true investment opportunity abounds here in North Georgia facing the Tugaloo Channel of Lake Hartwell in charming Toccoa, Georgia. This is perfect for the opportunistic investor, builder, developer or someone choosing to buy and hold. The finished home is an active income generating short-term rental/Airbnb and the 2 additional, partially finished homes plus one buildable lot are on over 1 acre of waterfront land. This location is unbeatable. Follow the stairs down to a large, covered dock with a boat slip and racks for kayaks. And you are sure to catch some fish in this area off the dock or on the water. A tremendous waterway for paddlers, as well! The finished home features 3 levels of living and multiple outdoor spaces to enjoy the wildlife all around you. Not is this property tucked away and quiet as you enjoy nature's calling from the wraparound porch, there is a massive patio between 2 of the homes with a firepit. It is even more serene at the dock where there is no other home in view. Inside enjoy the outside with a generous amount of natural light and seasonal views of the trees and the water from the windows at the loft level down to the main level.

Vaulted ceiling and open concept. The floor plans on all 3 homes are similar and 2 of the unfinished homes can still be modified to fit your design ideas. The finished home features 2 kitchens, 3 private bedrooms and one loft that acts as an additional full bedroom plus living area combined. This home has built-in movie theater seating and sound system. 3 living spaces make this home an ideal way to spread out on all levels. The electric insert for the stone fireplace makes gathering in the open living/dining/kitchen area cozy and safe. Main level owner's suite also has a separate, exterior entrance with easy 2 steps up. The opportunity to further modernize this finished home to your liking allows for many options and the 2 unfinished homes can be completed with the option to build yet 1 more home on the vacant buildable lot. This waterfront prperty area of Toccoa is close to the wonderful historic downtown Toccoa restaurants, galleries and shops, includes a stop on the Amtrak Crescent Line, is close to the Currahee Country Club and Golf Course, Toccoa Falls College, Tallulah Gorge State Park and many other waterfalls and trails. The Tugaloo River Water Trail, vineyards, wineries, local farms and tours and close by access to other outdoor recreational areas and parks like Lake Hartwell and its marinas, Lake Toccoa and the Links Golf Course, Toccoa Park, etc. This property and location is suitable for a long term investment or turning it around to make your profit after renovations. The Corps of Engineers will allow this land to have one more permittable dock for lots 8(empty sliver of a lot) and 9 (with structure) combined. This property will require a commercial loan, cash or hard money loan, not conventional loan, as it includes multiple homes and multiple parcels. For an excellent Georgia Commercial lender: Pat Walsh, VP with Tandem Bank. Listing agent is also co-owner. Listing agent is also co-owner. Also listed as detached home. #10310428


Presented by Marjory Lowman at
Keller Williams Realty Metro Atlanta.
Listing Agent Photo

Property MLS #10310414 from GeorgiaMLS

Cooling Features: Ceiling Fan(s), Central Air
Heating Features: Central
Number of Fireplaces: 3

Basement Description: Bath Finished, Daylight, Exterior Entry, Finished, Full

Water Body Name: Lake Hartwell

Lot Size Acres: 1.3
Lot Size Square Feet: 56628

Parking Features: Off Street
Parking Total: 6

Association: No
Calculated Total Monthly Association Fees: 0

Elementary School: Toccoa
High School: Stephens County
Middle School: Stephens County

Stephens County High School is a public high school located approximately 6.1 miles away.
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Toccoa Elementary School is a public elementary school located approximately 5.1 miles away.
directions icon Map directions

Stephens County Middle School is a public middle school located approximately 6.6 miles away.
directions icon Map directions

Annual Tax Amount: 2202.09
Source Listing Status: Active
County: Stephens
Directions: Located near Prather Bridge Rd and Sunshine Ridge Drive. Enter private, gravel driveway at cul de sac with basketball hoops and take to the top. Please use GPS.
Tax Year: 2023
Source Property Type: Residential Income
Green Water Conservation: Low-Flow Fixtures
Source Neighborhood: Toccoa
Owner Pays: Electricity, Water
Parcel Number: 039B 123
Subdivision: Toccoa
Source System Name: C2C

YearAssessments
Building + Land
Total
Tax
2022$66,438 + $3,356
$69,794
$2,077
2021$61,422 + $3,356
$64,778
$2,025
2020$61,264 + $3,356
$64,620
$2,040
2019$61,264 + $4,060
$65,324
$2,071
2018$61,264 + $4,060
$65,324
$2,071
2017$61,242 + $4,060
$65,302
$2,103
2016$61,242 + $4,060
$65,302
$2,070
2015$61,242 + $4,060
$65,302
$2,168
2014$62,482 + $4,060
$66,541
$2,246
2013$62,321 + $4,060
$66,380
$1,982
2012$16,680 + $4,060
$20,740
$620
2011$16,680 + $4,060
$20,740
$1,571
2010$38,520 + $23,160
$61,680
$1,848
2009$38,520 + $23,160
$61,680
$1,848
2008$unknown + $23,160
$23,160
$694
2007$unknown + $23,160
$23,160
$657

Listed 2024-06-01
$1,000,000
GeorgiaMLS
Listing removed 2024-05-17
$0
GeorgiaMLS
Listing removed 2024-05-16
$1,150,000
FMLS
Listing removed 2024-05-16
$1,150,000
FMLS
Price Changed 2024-02-26
$1,150,000
FMLS
Price Changed 2024-02-26
$1,150,000
FMLS
Price Changed 2024-02-26
$1,150,000
GeorgiaMLS
Listed 2024-02-22
$1,199,900
GeorgiaMLS
Listed 2024-02-12
$1,199,900
FMLS
Listed 2024-02-12
$1,199,900
FMLS
Sold 2013-05-31
$199,000
GeorgiaMLS
Sold 2013-05-23
$199,000
FMLS
Relisted 2013-05-10
$199,000
GeorgiaMLS
Listing removed 2013-05-08
$199,000
GeorgiaMLS
Listed 2013-04-23
$199,000
FMLS
Listed 2013-04-23
$199,000
GeorgiaMLS

Year Built: 2005
Construction Materials: Vinyl Siding, Wood Siding
Foundation Details: Slab
Levels: Three Or More
Property Age: 19
Property Condition: Resale
Structure Type: House

Sewer: Septic Tank
Electricity Individual Meters
Water Individual Meters
Water Source: Public
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The property loan eligibility may be subject to additional requirements beyond geographical location including but not limited to the condition of the property. Speak with a real estate professional to find out more about the eligibility of a specific property.