Seller's Agent in 2025
Joni Scott
Hammock Realty North Georgia
(706) 963-0269
340 Total Sales
11 Cross Creek Dr Toccoa, GA 30577
5
Beds
3
Baths
2,385
Sq Ft
0.76
Acres
Highlights
- RV or Boat Parking
- Traditional Architecture
- Bonus Room
- Deck
- Wood Flooring
- Corner Lot
About This Home
As of September 2025Classic Southern Charm with Modern Comfort in Cross Creek! From the inviting wraparound porch to the beautifully landscaped corner lot, this home captures the essence of Southern living. Picture your porch mornings with coffee in hand, surrounded by tranquility and charm. Step inside the foyer flanked by a private office and formal dining room. The heart of the home is the kitchen, boasting stainless steel appliances, custom tile work, a breakfast bar, and open views to the breakfast room and great room. Gather around the masonry fireplace in the great room for cozy evenings in style. The entrance from the 3-car garage welcomes you with a stunning herringbone brick floor, combining style and functionality as you transition from everyday life into your elegant home. Enjoy everyday living or entertaining on the screened porch-complete with a mounted TV and furniture that remain with the home. Upstairs, you'll find four spacious bedrooms, one bedroom doubles as a versatile playroom. The dreamy owner's suite with tray ceiling, hardwood floors, a spa-inspired bath, and an oversized walk-in closet. The upstairs laundry adds everyday convenience. Located in one of Toccoa's most desirable neighborhoods, this home blends timeless curb appeal with modern functionality, offering the perfect balance of elegance and comfort. Toccoa Screened porch, Cross Creek home, three car garage, upscale detail!
Last Agent to Sell the Property
Hammock Realty North Georgia License #254504 Listed on: 06/03/2025
Home Details
Home Type
- Single Family
Est. Annual Taxes
- $4,374
Year Built
- Built in 2011
Lot Details
- 0.76 Acre Lot
- Corner Lot
- Grass Covered Lot
Home Design
- Traditional Architecture
- Brick Exterior Construction
- Brick Frame
- Composition Roof
- Concrete Siding
Interior Spaces
- 2,385 Sq Ft Home
- 2-Story Property
- Tray Ceiling
- Ceiling Fan
- Fireplace Features Masonry
- Mud Room
- Entrance Foyer
- Family Room with Fireplace
- Formal Dining Room
- Home Office
- Bonus Room
- Screened Porch
- Crawl Space
Kitchen
- Breakfast Area or Nook
- Breakfast Bar
- Walk-In Pantry
- Double Oven
- Microwave
- Dishwasher
- Stainless Steel Appliances
- Solid Surface Countertops
Flooring
- Wood
- Tile
Bedrooms and Bathrooms
- Walk-In Closet
- Double Vanity
- Soaking Tub
- Bathtub Includes Tile Surround
- Separate Shower
Laundry
- Laundry Room
- Laundry on upper level
Parking
- 3 Car Garage
- Parking Accessed On Kitchen Level
- Side or Rear Entrance to Parking
- Garage Door Opener
- RV or Boat Parking
Outdoor Features
- Deck
Schools
- Big A Elementary School
- Stephens County Middle School
- Stephens County High School
Utilities
- Central Heating and Cooling System
- Underground Utilities
- Septic Tank
- High Speed Internet
- Phone Available
- Cable TV Available
Community Details
- No Home Owners Association
- Cross Creek Subdivision
Ownership History
Date
Name
Owned For
Owner Type
Purchase Details
Listed on
Jun 3, 2025
Closed on
Sep 23, 2025
Sold by
Dobbs Amanda P
Bought by
Hopper Tonya Jamison and Hopper Jeffery Shane
Seller's Agent
Joni Scott
Hammock Realty North Georgia
Buyer's Agent
Glenda Broker
Non-Mls Company
List Price
$495,000
Sold Price
$466,000
Premium/Discount to List
-$29,000
-5.86%
Views
106
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
8.70%
Original Mortgage
$442,700
Outstanding Balance
$442,304
Interest Rate
6.56%
Mortgage Type
Purchase Money Mortgage
Estimated Equity
$28,382
Purchase Details
Closed on
Jun 14, 2024
Sold by
Smith Marilyn S
Bought by
Dobbs Amanda P and Dobbs Travis Weldon
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$459,146
Interest Rate
7.02%
Mortgage Type
FHA
Purchase Details
Listed on
Dec 6, 2023
Closed on
Feb 16, 2024
Sold by
Lowe William James
Bought by
Smith Marilyn S
Seller's Agent
Stephen Caudell
Hammock Realty North Georgia
Buyer's Agent
Stephen Caudell
Hammock Realty North Georgia
List Price
$499,900
Sold Price
$493,900
Premium/Discount to List
-$6,000
-1.2%
Views
134
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
-2.76%
Purchase Details
Closed on
May 2, 2018
Sold by
Roesch
Bought by
Lowe William James and Lowe Ashley H
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$278,293
Interest Rate
4.4%
Mortgage Type
New Conventional
Purchase Details
Closed on
May 7, 2012
Sold by
Telford Gordon
Bought by
Roesch Crystal Mcfarlin
Purchase Details
Closed on
Sep 17, 2004
Bought by
Telford Gordan
Create a Home Valuation Report for This Property
The Home Valuation Report is an in-depth analysis detailing your home's value as well as a comparison with similar homes in the area
Home Values in the Area
Average Home Value in this Area
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Limited Warranty Deed | $466,000 | -- | |
| Warranty Deed | $475,000 | -- | |
| Limited Warranty Deed | $493,900 | -- | |
| Warranty Deed | $286,900 | -- | |
| Warranty Deed | -- | -- | |
| Warranty Deed | $150,690 | -- | |
| Deed | $10,500 | -- |
Source: Public Records
Mortgage History
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Open | $442,700 | Purchase Money Mortgage | |
| Previous Owner | $459,146 | FHA | |
| Previous Owner | $278,293 | New Conventional |
Source: Public Records
Property History
| Date | Event | Price | List to Sale | Price per Sq Ft | Prior Sale |
|---|---|---|---|---|---|
| 09/23/2025 09/23/25 | Sold | $466,000 | -2.7% | $195 / Sq Ft | |
| 09/01/2025 09/01/25 | Pending | -- | -- | -- | |
| 08/22/2025 08/22/25 | Price Changed | $479,000 | -2.0% | $201 / Sq Ft | |
| 07/18/2025 07/18/25 | Price Changed | $489,000 | -1.2% | $205 / Sq Ft | |
| 06/03/2025 06/03/25 | For Sale | $495,000 | +0.2% | $208 / Sq Ft | |
| 02/16/2024 02/16/24 | Sold | $493,900 | -1.2% | $207 / Sq Ft | View Prior Sale |
| 01/29/2024 01/29/24 | Pending | -- | -- | -- | |
| 12/06/2023 12/06/23 | For Sale | $499,900 | -- | $210 / Sq Ft |
Source: Georgia MLS
Tax History Compared to Growth
Tax History
| Year | Tax Paid | Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. | Land | Improvement |
|---|---|---|---|---|
| 2024 | $4,314 | $122,707 | $3,973 | $118,734 |
| 2023 | $3,985 | $114,353 | $3,973 | $110,380 |
| 2022 | $3,153 | $107,898 | $3,973 | $103,925 |
| 2021 | $3,068 | $100,128 | $3,973 | $96,155 |
| 2020 | $3,068 | $99,155 | $3,973 | $95,182 |
| 2019 | $3,081 | $99,155 | $3,973 | $95,182 |
| 2018 | $2,995 | $96,445 | $5,070 | $91,375 |
| 2017 | $2,917 | $92,550 | $5,070 | $87,480 |
| 2016 | $2,871 | $92,550 | $5,070 | $87,480 |
| 2015 | $3,007 | $92,550 | $5,070 | $87,480 |
| 2014 | $3,139 | $94,972 | $7,492 | $87,480 |
| 2013 | -- | $94,972 | $7,492 | $87,480 |
Source: Public Records
Agents Affiliated with this Home
-
Joni Scott
-
Glenda Broker
Buyer's Agent in 2025
Glenda Broker
Non-Mls Company
(800) 289-1214
-
Stephen Caudell
Seller's Agent in 2024
Stephen Caudell
Hammock Realty North Georgia
(706) 491-3245
290 Total Sales
Map
Source: Georgia MLS
MLS Number: 10535157
APN: T33-022
Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.
The data relating to real estate for sale on this web site comes in part from the Broker Reciprocity Program of Georgia MLS. Real estate listings held by brokerage firms other than Redfin are marked with the Broker Reciprocity logo and detailed information about them includes the name of the listing brokers. Information deemed reliable but not guaranteed. Copyright 2025 Georgia MLS. All rights reserved.
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